vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Arcadia Holdings, LLC
State: NY

Complaint narrative:
On XX/XX/2020 around XXXX. I received a phone call from XXXX. The lady on the phone asked me for my personal info e.g. Date of birth. I told her with so much phone scam going on, i dont feel comfortable giving out my date of birth and other personal info. I also informed her that the {$100.00} balance was already paid by check on way to them. She told me that " now you are not going to have a good day ''. I feel this is a threat towards me and she is trying to give me a bad credit report because i dont want to give out my personal info over the phone. 
this behavior is very upsetting and she doesnt care i told her that the payment is already made, instead of asking me the payment details, she instead took the route to threat me. 
I want to report this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$4500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. I have attached a copy of the Note Balance History for your reference. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$4500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. I have attached a copy of the Note Balance History for your reference. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
There are three collections reporting on my credit file with Professional Adjusment Company for 3 medical bills from several years ago. First I never knew I had a balance for any type of medical bill it wasn't until I received a copy of my credit file. Once I did I wasn't even sure if they were truly mine. Once I did confirm I owed them, I paid all three in full. The debts the are showing occurred in XX/XX/2013 so I am assuming that the date open is when the this collection company received it. I could I pay for something I knew nothing about at the time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
A company called Gurstel Law Firm is trying to sue me for a credit card debt that does not exist. I have contacted Gurstel Law Firm on many occasions, filed a Cease and Desist Letter on XX/XX/XXXX and yet they are still trying to sue me for a non-existent debt. XXXX can not find ANY record of this card tied to my social security number. I spoke multiple times with XXXX and confirmed this. On XX/XX/XXXX the XXXX Security Operations officer confirmed once again, there is no debt tied to my social security number. She suggested I contact XXXX, the Consumer Financial Protection Bureau and the State Attorney General as this company is violating the Fair Debt Collections Practice Act. This 3rd party debt collector has harassed me for a year and a half and keeps trying to get more personal information from me over a debt that does not exist, and I am very concerned about Identity Theft. There is NOTHING on any of my 3 credit reports pertaining to this card. I was informed by XXXX Fraud department that Gurstel Law Firm is in violation of the Fair Debt Collections Practices Act. I want this lawsuit and harassment to stop ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
In CFPB complaint XXXX Goldman Sachs lied.  Has not updated info as stated. 

See screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AR Resources, Inc.
State: PA

Complaint narrative:
On XX/XX/19, I checked my credit report and I called multiple times to AR Recovery. Each time I called they wanted to verify information i am not comfortable with, nor obligated to share with anyone I do not know. I validated my name and address and that this account was on my credit report. I have never received any correspondence from this company, which if they are a collection agency is required. Nor does the credit report list any information to show which account they are referring. I am not paying any balance I do not know, nor would you. 

When i called AR Recovery, I disputed this debt and refused to give out my personal information further than address. This company wont let you go any further and actually hung up on me three consecutive times. I dispute this debt. I do not trust this company to house any information related to me and require that a document showing the validity. I don't know who they are, i don't know which account they are representing, i do not have any outstanding debts. 

The FCRA is pretty clear in its law that requires you validate whichever debt is on my credit report or remove it. You can not just hang up on people because they refuse to verify their SSN. You are required to provide customer service, yet you can not even handle a typical situation. These agents were very rude and hung up on me three times. One collector even advised that " He is the Compliance Manager '', he also seemed to call me a profane name in another language, which i called him out on and then he hung up on me. Either validate the debt or remove it, but you can not just hang up because the conversation isnt going the way you want it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone stole my information and opened accounts fraudulently while working on opening my business and applied and created all kinds of inquiries in my name ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone stole my information and opened accounts fraudulently while working on opening my business and applied and created all kinds of inquiries in my name ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone stole my information and opened accounts fraudulently while working on opening my business and applied and created all kinds of inquiries in my name ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting I Owe {$220.00} on my experian credit report. I NEVER HAD A XXXX XXXX ACCOUNT NOR ORDERED ANYTHING FROM XXXX XXXX. I WILL SUE XXXX XXXX  AND EXPERIAN IF THIS INCORRECT INFORMATION IS NOT REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I got a letter demanding payment for a debt that I didn't incur. They claim that the original debt was owed to a jeweler. I have never bought any thing from that jeweler. They got my name is wrong ( incorrect middle initial ). The last four digits of a credit card number were referenced, but I have never had a credit card with that number. 
The debt collection company is : United Collection Bureau XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Good afternoon, I enrolled my XXXX year old son in XXXX back in XX/XX/XXXX in XXXX, XXXX. I dis-enrolled him in XX/XX/XXXX because I did not see any results as promised and I found a teacher in his school who could provide tutoring to him after school. I signed him up for 110 sessions and we only used 31 of the sessions at the time of dis-enrollment. When you enroll in XXXX you have the option to take out a loan with Comenity-Your Tuition Solution Bank for the amount of your sessions and if you dis-enroll XXXX is supposed to notify Comenity-Your Tuition Solution in writing and I am supposed to receive back from Comenity-Your Tuition Solution the money for the unused portion of the loan. I met with XXXX on XX/XX/XXXX to dis-enroll and have been trying to get my account closed and settle with Comenity-Your Tuition Solution since that date. I have contacted XXXX numerous times and have always been told that someone would call me back or that the manager Ms. XXXX XXXX was out of the office and she would call when she returned. I am in the military and have been stationed in XXXX since XX/XX/XXXX, so I am no longer in XXXX XXXX. I did go to the office several times to speak with Ms. XXXX but she was never in the office. The amount of the loan that was taken out to over the tuition was {$5300.00} for 110 sessions. I have contacted Comenity-Your Tuition Solution and they informed me that I had to work with XXXX to get the account settled. I have attached the documents I received when I dis-enrolled, if you review the attached documents you will see that I should only have been required to pay {$2200.00} for the sessions that XXXX had completed. I do not believe that he even completed the 45 sessions that are stated on the receipt page 5 because on page 1, 2, and 7 it shows that he attended 30 classes would should have been approximately {$1400.00}. I am still receiving bills and continue to pay because I do not want this to ruin my credit. If you can please help me get this resolved I would greatly appreciate it. I am sure that other families in the XXXX area are dealing with the same problem and it is such a shame that this company is taking advantage of Soldiers. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
I have received calls from Sunrise concerning a bill with XXXX XXXX for services I never signed up for. I asked Sunrise for debt verification on two separate occasions on a recorded line and have yet to receive it. I have asked them not to contact me until they do. I have been a XXXX XXXX customer for years and have no need for XXXX XXXX. I plan to hire a credit protection attorney to look into this matter. I have asked for any contracts, signed work orders, receipts, or notes agreeing to pay for their services. This is not my account and the address they have on file is a rental home and is not my legal address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX of 2019 we signed loan documents in front of a Notary Signing Agent at a XXXX in XXXX XXXX. Those papers stated that our new Refinance Mortgage Payment was going to be {$2300.00} and that we were going to receive at closing {$1900.00}. I called and contacted XXXX XXXX the Processor at Cash Call Mortgage many times to ask him about when was the loan closing because it was taking so much time and he was finding many silly excuses to close the loan late, one time we wrote in one of his emails that every time I ask a question I hold my loan 1 day and the they were low in workers that was why he was taking forever to close my loan. It took about 2 weeks to close my loan after we signed the Loan Documents. Everything was legitimate in our end, paperwork, employment and credit but he was finding the minimal excuses to make the loan late. we were never told that the mortgage payment was going to increase and that we were going to receive less money at closing that we had agreed. We received {$1700.00} instead of {$1900.00} and they also charged some fees that were not disclosed on the signed documents. The fees were {$250.00} one was {$120.00} and it said QCD and the other was {$120.00} for Transfer Tax. The purpose for us to refinance was to lower our mortgage payment from XXXX of $ 2500ish and at the end Cash Call mortgage gave is the same payment. Their practices of doing Loans is not professional at all and they do wherever they please with their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I request a signed document from the company with my signature for verification of a debt for XXXX the date of my letter XX/XX/2020 no action taken by the company, I also disputed with the 3 credit reporting agency many times, they keep saying verified, how when they can not prove to me thats my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BB&T CORPORATION
State: TX

Complaint narrative:
My wife and I own a business, so when we moved to a new office space, I went to open a secondary business checking account at BB & T near our new office. The banker pitched a business credit card to me and I told him we could see what credit line we were pre-approved for. He called me back and said that our card was approved for $ XXXX and that everything was set to go. However, come to find out, he opened a new personal lines credit card in my WIFEs name only without her express consent and even went as far as signing her name onto the card application, as she never visited the bank on any occasion. They began reporting inaccurate information while I was attempting to escalate this matter and now the reported late payment has delayed our home closing due to our APR being increased, which would result in additional payments of $ 35- $ 40k over the 30 year loan period - we NEVER have any late payments on ANY of our accounts, so this has really damaged our credit, in spite of this being a fraudulent account and not being any fault of our own whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: AZ

Complaint narrative:
I took out an XXXX loan in XX/XX/2019 with a payment of around XXXX every other week. I did miss a payment in XXXX which the company in turn increased my payement to XXXX. I have paid over XXXX on this loan already and when I asked them about a settlement to get me out of this they said that I needed to pay XXXX to clear the debt today or continue paying the XXXX for the next 14 payment ( which is over 2600 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: New Era Asset Management, LLC
State: WA

Complaint narrative:
XXXX XXXX with New Era Assests called me on XX/XX/XXXX at XXXX. I called back shorly after and spoke to him about my debt. I advised him I would like to make a monthly payment arrangment for $ XXXX/month to pay off my debt. He was very rude an upset about this amount. He told me that they could try to do that with a automatic payment, but probably couldn't do that little of an amount, it would have to be {$160.00}. I told him I could call back on XX/XX/XXXX to make a payment, but that I didn't want to set up an automatic withdrawal. He got extremely upset, told me he would go back to his client to let them know I was unwilling to work with them, and then hung up on me. I am willing to pay back the money, and am only able to do {$100.00} at the moment, but have been advised not to do automatic payments. I was appalled at how rude I was treated, and have never been talked to like that by a debt collector. They are also contacting family of mine that was NEVER approved or written down on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
The previous mortgage servicing company, XXXX, apparently went out of business and the new mortgage company, Newrez took our account over on XX/XX/XXXX of this year. I had to wait until XX/XX/XXXX to make my payment online because Newrez was not prepared to process payments until then. I have always made my payments online and almost always on the first of the month. When I went to make my payment I found that the site was charging me {$1.00} to make the online payment. I called Newrez and their representative assured me that the site should not have that charge on it and that I would be reimbursed. I went online to make my XX/XX/XXXX payment only to find that the site again is charging {$1.00} to pay online. This is a violation of my mortgage agreement and Newrez is perpetrating a fraud on myself and other mortgagees. 

I sent an email to Newrez via their " contact us '' link on XX/XX/XXXX indicating that I wanted action taken on this matter. I advised them that I would contact the Federal Consumer Protection Bureau if they did not get back to me. I provided them with my phone number as requested on the Newrez " contact us '' site. I have not gotten any call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I want to file a complaint against Convergent Outsourcing Inc . I paid XXXX and by law, they must recall the account from Convergent Outsourcing. Convergent Outsourcing has no legal reason to report on my credit reports and must delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
Williams and Fudge , Inc. has been calling family members, leaving voicemails telling them that I have a defaulted Perkins loan from my university and that they are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief