vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
I called to cancel a line of credit with Umpqua Bank in 2018 after the fees became excessive. I called and requested to cancel and was told it was done. However, I checked my credit report and the account was never closed. Had I not checked, I would have ultimately been charged an annual account service fee. The representative on the phone assured me that they can not close them on the phone and rather I must send a formal, written request with the loan number to close the account.

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 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
On or about XX/XX/XXXX, we moved out of XXXX XXXX XXXX XXXX, XXXX, NH. We informed XXXX of our move then and asked for the services to be terminated. 
On XX/XX/XXXX, we called and spoke with XXXX about the XX/XX/XXXX bill of {$39.00} that wed received since we had previously called XXXX to terminate the contract. 
XXXX informed us that we could not terminate the contract, nor were we able to return any of the equipment. He informed us that we would be charged a termination fee of {$600.00}. We did not sign or were made aware of any termination fee. 
Back in XX/XX/XXXX, we understood that the service we had at our previous address at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was going to be a simple transfer of our services to our new address at XXXX XXXX XXXX XXXX, XXXX, NH XXXX. We never entered into a new contract, nor were we aware of any termination fee. 
We received a collection notice on XX/XX/XXXX from Credit Collection Services in the amount of {$600.00}. We are disputing this bill because we do not owe you any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MRS BPO, LLC
State: CA

Complaint narrative:
MRS Associates called my workplace regarding a debt. I have no out standing debts! I told them they were mistaken, became verbally abusive and threatened to tell my employer lies. 
I looked up the company and they have several complaints, I am attaching a print out from the XXXX XXXX Website They are based in XXXX XXXX New Jersey phone numbers are XXXX and XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I have paid early every month. They put one payment into suspension and then reversed it. Since then, they have been charging me a late fee. When trying to fix this by putting in reversals, I cant follow where the money is going. I have spoken to 3 customer service agents that cant follow where this is going as well. They see where it all stemmed from and why the reversals have been put in. They can not figure out why money is being applied to other and what that is. You also cant follow where the principle payments have been applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2019 Hunter Warfield Debt Collection Agency XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX-XXXX-XXXX-XXXX entered a debt collection on my credit report for a debt that I do not owe. It claims I owe XXXX  XXXX XXXX XXXX {$620.00} dollars account # XXXX which is untrue. I never resided at XXXX XXXX XXXX and never signed a lease or other contract agreeing to moving into a unit. This apartment complex is poorly ran where leasing employees keep sloppy records and mess up applicant credit reports via reporting things untrue. Infact, XXXX XXXX XXXX issued me a refund check for {$770.00} dollars. I demand that Hunter Warfield investigate and remove this erroneous debt from my credit report immediately and send me written confirmation of debt removal from my credit reports and undated letters of correction to all that have received my credit report within that last 60 days showing correction. I do not owe this debt. I did not agree to any contract with XXXX XXXX XXXX XXXX incurring a debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This incorrect address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL 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 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc.
State: NH

Complaint narrative:
Re : XXXX XXXX XXXX XXXX {$730.00} is charging me this amount that I am not aware of. This item is being reported on my credit report as a collection item by FST FINANCIAL RESOURCES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
This complaint is against Portfolio Recovery Associates LLC and XXXX XXXX XXXX for which there is already a Consent Order on file by your office. 

PRA obtained a judgment against XXXX in XXXX for a XXXX credit card account that was closed in XXXX. There was a subsequent appeal as the District Court did not allow XXXX to present evidence of his payments though a credit counseling service or present evidence that the statute of limitations had expired. The appellate court let the judgment stand. 

The ten-year old Judgment expired in XX/XX/XXXX and PRA did not collect due to en exemption. Now, 20 years after the junk debt was purchased by PRA they filed suit a second time and entered a new judgment for additional amounts owed. They have also threatened garnishment. 

Subsequent to the lost appeal in XXXX - XXXX was noticed in a class action suit ( i.e.XXXX ) that the Affidavits used by PRA ( XXXX XXXX ) were fake and similar to XXXX/XXXX affidavits used in the class action and the notary public was the same as in that case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX I recieved a letter from LVNV Funding LLC stating I owe money for XXXX XXXX XXXX ( 2 accounts ) going back to to XXXX and XXXX. I was living with my parents in XXXX and they were established in their place way before I moved in XXXX. I was pregnant and a single mother. Resurgent has sent me another letter due to me contacting LVNV LLC. I  do not owe either debts to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MD

Complaint narrative:
I was made aware that LeisNexis is reporting inaccurate information about my driving record after having a substantial surcharge applied to my auto insurance. LexisNexis is reporting that as of XX/XX/2017 I received a moving violation for having been found driving a motor vehicle on a suspended license. This is inaccurate and causing me inaccurate insurance rates. The matter of that date was Driving with a suspended Registration which is not a moving violation, rather an administrative violation. 

I am unable to contest this inaccurate information with my carrier and am unable to receive an accurate insurance quote as a result of their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
It is a hard inquiry. It doesn't show any amount or any dates. I haven't checked my credit in years but when I look on my report it's a lot of things i do not recognize at all. I did have someone do some fraudulent things with my SSN.

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 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
My XXXX Master Card with First National Bank, account number XXXX was lost or stolen and incurred charges totaling to {$35000.00} statement with due date on XX/XX/2019 Last statement they sent is totaling to {$35000.00} I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019. 
I clearly stated that I personally I have nothing to do with any of charges posted on that card. 
Today XX/XX/2019 I received letter stating that my claim was denied based on the matter that I personally called and confirmed transactions from my phone. 
They provided me with new number XXXX then XXXX XXXX for additional assistance. 
At the time of the claim opening I specifically stated that I never called and confirmed any of the charges. 
I contacted my phone company to find out if technology used today can give access to someone else 's phone without their knowledge and was confirmed that it is unfortunately a possibility. 
I am clearly a victim of identity fraud.

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 2019-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
This student loan is showing lates on my credit report, the debt is not mine, I was not in school at this time. This is fraud and the loan 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 2019-04-25 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: UT

Complaint narrative:
This student loan is showing lates on my credit report, the debt is not mine, I was not in school at this time. This is fraud and the loan 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 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates obtained a judgement against me back on XX/XX/15. At the time I didn't know my rights, as a consumer, and they won the judgement by default. I had never received proper debt validation from them and they were constantly calling me in the time leading up to the judgement about getting payment and threatening me with a lawsuit. I just read an article " CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts '' dated XX/XX/15 regarding Portfolio Recovery Associates and the legal action taken by the CFPB against them. I feel like I was in this category but it was quite a few years ago. Was there any class action suits filed against them for this? I was never advised about this until now so I'm looking into any new options I may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: CA

Complaint narrative:
Equifax will not allow me to check my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: E*TRADE BANK
State: IL

Complaint narrative:
Thought account was opened after mailing a check for {$100.00} to ETrade weeks ago. It really is weird they decided to close my account. As I funded the account appropriately. It makes me wonder why such a bank exists if it won't let a person like myself have an account. Its America. Land of the Free supposedly. XXXX open bank accounts all the time. I am XXXX born citizen. I should be allowed to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: NJ

Complaint narrative:
There are three creditors that are reporting accounts on my credit report that I did not authorize to be opened. The accounts are XXXX, XXXX XXXX XXXX and XXXX XXXX all these accounts were opened without my authorization and need to be removed from my credit report. I have attached a FTC Affidavit and Police Report. Please remove the accounts and send me an updated credit report with said changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: CA

Complaint narrative:
XXXX XXXX provide me a letter for XXXX, Transunion and XXXX  to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is XXXX, Transunion and XXXX not updating my credit report and scores.? 
Also for XXXX XXXX Loan # XXXX late payments is incorrect as evidence of my XXXX checking account ending # XXXX evidence states that XXXX, XX/XX/2019 auto loan was called in by phone on each month of the XXXX to XXXX XXXX Rep and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on XXXX and not on Transunion and XXXX.It needs to be added to Transunion and XXXX immediately. 

I am XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Please support me on my XXXX XXXX XXXX XXXX under Department of Justice. 
Very Urgent Matters! 
Does XXXX, XXXX and Transunion have a business partnership with 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 2019-04-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc.
State: TN

Complaint narrative:
XX/XX/2018 After paying {$110.00} on oringal loan & the principal of {$14.00}, XXXX for 18 years, XXXX sold to XXXX XXXX, then sold to XXXX XXXX XXXXXXXX, which doubled the mortgage from {$6000.00} to {$12000.00} & refused payment of {$110.00}, I filed Ch.XXXX Bankruptcy & notified them on XX/XX/2018 about Chapter XXXX bankruptcy. XXXX, refused payment of {$110.00}, called the loan, doubled the owed mortgage of {$6000.00} to {$12000.00} t & sold the BKXXXX mortgage to XXXX XXXX XXXX, Debt collections. XXXX XXXX XXXX KNOWS about the BKXXXX, which is in writing in 2 different letters. In addition, they know, I have satisfied the criteria & been discharged from BKXXXX in XX/XX/2018, which is also known & can be verified in the 2 different letters they have sent. However, the debt collection company continues to call me every Friday, without any regards to the Federal Bankruptcy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
On XX/XX/2019, an inquiry was done using my social security number for a XXXX  credit card through either XXXX XXXX or Continental Finance. I didnt not authorize this. I have tried to contact both companies and they tell me to contact each other regarding this matter. The only think XXXX XXXX could tell me, was that the inquiry was for a XXXX credit card. I finally called XXXX, and they told me to contact the companies. I stated that I have already tried and didnt get anywhere. XXXX told me that there was one other option, and that was to submit a complaint through this website. Again, I have tried and tried to contact everyone and all I get is call this company and this company. Can someone please dispute this inquiry. Im trying to rebuild my credit and this is hurting me. I have not authorized anything for any credit card. I dont even know anything about or heard of either one of these companies, XXXX XXXX or Continental Finance.

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 2019-04-25 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: CA

Complaint narrative:
the following account names XXXX XXXX, is not my account it is reporting under equifax only, this is an inaccurate reporting, i have disputed several times, they say comes back verified, this is inaccurate they are not disputing this correctly, and needs to be removed and blocked from my equifax credit file please help me to do so, appreciate thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased furniture from XXXX  XXXX using the account number below. 
Re : promotional offer expired XXXX XXXX XXXX XXXX I was on time and consistent with paying my account for the past 2 years, I had financial hardships and changes in my income. I paid on time each month. When the promotion ended, I was facing family challenges that distracted me from preparing to pay the {$740.00} balance, now my current balance has increased to {$1800.00}. On XX/XX/XXXX I called the company to request a 30 day extension to allow me to pay the previous balance, they declined stating if I called on XX/XX/XXXX, they could of approved it for 30 days. The credit card customer service representative communicated that this information regarding extending the promotion was not in writing.

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 monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I may a purchase but I could'nt find receipt, however when I went to store I was told that they could assist in returning item charged on credit card.

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