vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
A week or so back, I disputed the information on my credit report when I noticed this collection placed. I have no knowledge of this account, and am unsure of the debt. Since then, I still have not heard back from the company or XXXX. I have not received a notification to initiate a dispute for this information, 809 ( a ) of the Fair Debt Collection Practices Act. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute. However, I have not even received the information, regardless of when it was mailed out, and it is affecting my credit report. I want this information to dispute the debt, and receive validation of this supposed debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX is misrepresenting my debt, allowing the debt to incur outstanding interest before charging off. Ive have tried to contact bot no resolution. Them not charging off debt is only allowing for more interest charges to incur so it can amount to a huge amount that is far from original amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Beginning on XX/XX/XXXX, I started receiving calls from a company, XXXX XXXX, who indicated that they were calling to collect on a debt that I owed with Check n ' Go from XXXX ; 4 years ago. I explained to them that I never took out a loan. The address that they had for me was incorrect. I explained to them that I would need to file a stolen identification complaint with the government, as well as contact all of the three credit reporting agencies, which would take some time. However, I told them that I would pay the loan but that I would need to take a loan out of my 401k. I explained to her that it would take 10-14 days to complete this task. She repeatedly called me every day and began harassing me at work. She even contacted my human resource manager today XXXX XX/XX/XXXX XXXX that said that they were garnishing my wages. I have never been served with any correspondence, lawsuit, or emails, which they state they have forwarded to me. I received confirmation from my 401k company that the check was mailed to me on XX/XX/XXXX. However, they continued to harass me at work, calling several times a day and threatened to " come to my employer and take action. '' This occurred every day beginning XX/XX/XXXX. I attempted to contact them again today, XX/XX/XXXX, to make arrangements. On today 's date, XX/XX/XXXX, I told them that I would pay the debt, but would need something in writing before I did that. They told me that they verified my employment and they did not need to speak to me anymore and hung up the phone. The same person continued to call on a daily basis, but was calling from a different number every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have equifax identity theft restoration assistance.The website states that you should call the XXXX if you suspect your a victim of identity theft and they would help you restore your identity.But they told me that they would not set the product up and after arguing about 20 minutes to a 30 minutes just to get the manager to allow them to let me purchase the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Leviton Law Firm, Ltd.
State: CA

Complaint narrative:
Received a letter from The Liviton Law Firm Ltd stating that they have been retained by XXXX XXXX. They are saying i have an outstanding balance with XXXX XXXX and want to resolve it. Only problem is i don't and have never used XXXX XXXX. This appears to be a scam. I can see how an honest law abiding person could fall victim to this. Just want to warn people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX or cash app. I said I can do cash app because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted cash app for assistance, they told me to contact the bank I use. I filed a dispute with XXXX XXXX XXXX XXXX. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
The Mortgage Company is DITECH, XXXX. XXXX XXXX, XXXX, AZ XXXX, Tel. # XXXX-XXXX-XXXX Loan # XXXX My Wife XXXX and I have a Mortgage with Ditech Mortgage Company. Our current balance according t our statement is {$100000.00}, Ditech continues to harass us with the fact they claim our payment is due the 1st of each month which within is technically so. Our loan allows a 15 day grace period and is always paid each month consistently between the XXXX and XXXX in which we do electronically. 
My Wife works for the XXXX XXXX XXXX XXXX XXXX, she receives only one paycheck each month on the XXXX of each month. As soon as the funds are received electronically in our checking account we pay our Mortgage company payment, please remember the XXXX of each month moves. 
I've attached Mortgage Statements due for XX/XX/2019 & XX/XX/2019, please notice the balance due {$100000.00} for both months I mention, according to the XX/XX/2019 statement they are requesting a double payment due by this date. I've verified they received {$960.00} mortgage payment from XXXX XXXX XXXX XXXX on XXXX, XX/XX/2019 still within my 15 days grace period and they don't/wo n't provide an statement to me for XX/XX/XXXX that reflects payment received.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX the process of repossession of my car was started for falling behind on my payments on my loan with Santander Consumer USA Bank. I immediately paid the past due amount on the loan before the tow truck driver even had the car hooked up. So while speaking to a customer service rep at Santander that very same day, Miss. XXXX, she agreed to waive the repossession fees that they were going to charge to my account because I handled the situation in an expedited manner and brought the loan current immediately. Now, in XX/XX/XXXX I've made the final payment on the loan, and the loan has been paid on time since that incident in XX/XX/XXXX, but they have over {$370.00} worth of fees still open on the account for this repossession in XXXX/XXXX. The fees they promised to waive originally. I've since disputed these fees with a customer service rep, in early XXXX of XXXX, asking her to go back and review the recorded conversation I had with Miss XXXX that day in XX/XX/XXXX. She claimed she had no access to those records and told me that if I don't pay them that they will adversely effect my credit reports by reporting me as being 30 days, 60 days & even 90 days past due on the loan. The loan is paid off. So today XX/XX/XXXX, a representative from the " executive offices '' of Santander Bank called to speak to me about my dispute. She too claimed to not have access to the call I had with Miss. XXXX stating they don't keep those records more than a year or two, yet she had records of a conversation I had with a Mr. XXXX that took place BEFORE my conversation with Miss. XXXX. The executive representative then acknowledged she had the ability to waive the fees from my account and offered a {$50.00} reduction to them. I told her I wanted all the fees waived as I was promised by Miss. XXXX. She refused and so I asked what will happen if I continue to dispute these fees and don't pay them, she replied they would report it to the credit bureaus as unpaid and open and adversely effect my credit. At this point she then said " I won't be waiving any fees for you and I'm notating your account that way as well ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: IL

Complaint narrative:
My loan with XXXX XXXX was disbursed XX/XX/XXXX. My payments do not start until XX/XX/XXXX. Since the disbursement I have received monthly " billing '' emails, although these emails always ( correctly ) stated that a payment wasn't actually due and any payments I make would be optional. Then suddenly in XX/XX/XXXX - two years after the loan disbursement - XXXX XXXX started showing amounts that they stated were due ( even though my repayment start date, again, isn't for another three years ). On XX/XX/XXXX they charged me a late fee, even though - again - my repayment start date isn't until XX/XX/XXXX. Because of this late fee for absolutely no reason, my credit score dropped six points ; so now I have to go through the hassle of filing an appeal with the credit reporting agencies because XXXX XXXX is trying to collect on payments that aren't even due yet. I contacted the rep at XXXX XXXX who sent me the payment due notice to ask for an explanation of what they were doing, and after not getting a response for over two weeks I then contacted the VP of customer service at XXXX XXXX, XXXX XXXX, and he also chose not to respond ( it's been ten days and counting ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
ABILITY RECOVERY SERVICE IS IN VIOLATION OF THE FCRA. 
ABILITY RECOVERY SERVICE HAS AN ACCOUNT ON MY XXXX REPORT THAT IS NOT MINE AND DOES NOT BELONGS TO ME.

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 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Have written to XXXX, XXXX  and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2019 a client reserved XXXX XXXX at my campsite in the woods, paying through PayPal $ 200+ {$50.00} refundable deposit if she left the site as explained. The client acknowledged reading the website explicitly stating NO REFUNDS if the woods experience is not what she expected. Included in the disclaimer is " expect insects ... come prepared with bug spray. '' The client set up camp on my woods property on XX/XX/XXXX, but after a few hours texted me that she was leaving because her boyfriend found ticks on himself. I suggested they go to the screened level 14 feet into the trees and use insect spray. They left anyway. 
She demanded a full refund. 
I gave her {$140.00}, {$100.00} for the night not used + {$43.00} refund, although the agreement was no refunds. 
The client continued the conversation recorded in complaint # XXXX demanding the {$100.00} for the time she occupied my property. 
On XX/XX/XXXX I concluded the discussion involving PayPal and the client saying I had reiterated my case 3 times and had nothing more to say. 
I left on vacation in a remote area without computer XX/XX/XXXX. Upon my return, I find that PayPal has refunded the client {$250.00} of my funds without my consent on the basis that the client had said something more to which I did not respond. 
Evidently PayPal has a policy to reward whoever responds last and automatically defers to the one who makes the last statement. Of course I had responded., No camper goes into the woods without insect protection in Florida 's summer. The client does not deserve a refund at all, yet I gave her more than half of what she paid. 
Now the client has $ XXXX {$250.00} = {$390.00} of my money, at best an over refund of {$140.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17 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: AZ

Complaint narrative:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I took a loan out for XXXX and to pay back the interest is an outrageous amount. I called to ask for a solution and he gave me the opportunity to pay back one interest they took out of my back but my bank rejected the amount and that was XXXX interest. I would like to have a fair chance at paying this loan off quickly so I don't get stuck in this whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX was paid in full by XXXX XXXX, both on XX/XX/XXXX, XX/XX/XXXX. When i spoke to patience accts in XX/XX/XXXX, I was informed this was taken care off, as XXXX overpaid hospital bill and they where going to cover this amt. 


Hospital send this over to XXXX XXXX which close the acct as paid. 

now united collection bur is re billing on an acct taken care. of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Porfolio Recovery Associates, LLC calls multiple times per week from a different number some with local prefixes trying to collect some unknown debt. I have told them repeatedly DO NOT CALL ME, I am not paying the debt. They continue to call me, my friends, co-workers, etc. It needs to stop. I am not gon na pay them a dime, I have never done business with them, I don't even know who they are. They need to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
MILITARY STAR IS IN VIOLATION OF THE FRCA. THEY HAVE AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE.

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 2019-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I just received notification that my credit score has decreased by 31 points!! Capital One has reported an over the limit balance on my credit report for an account I did not sign for. I do not have a contractual obligation with Capital One. I should be listed as an authorized user and that is it! I did not complete an application for credit. This is my father 's XXXX XXXX 's account. This is adversely affecting me! I am prepared to take legal action if necessary!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been trying to get validation of the such debit. I have contacted the credit bureaus to send me proof that the debit is mine and still havent recieved original contracts with my signature on it that took our these loans. They have hurt my credit score and I'm not able to get credit under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: AZ

Complaint narrative:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17 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: SC

Complaint narrative:
Experian reporting accounts I know nothing about, goods I never received. Affirm for {$680.00} and {$1500.00}

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