vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems was sent a Request for Validation, Not Verification letter certified mail on XX/XX/2020. It was being sent about erroneous reporting to the Credit Bureaus. Also all three Credit Bureaus were sent letters certified mail pursuant to the fair Debit Collections Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. 

I asked to please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Provide the Statue of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : National Credit Services has not responded in 30 days. They sent a letter on XX/XX/2020 for a 50 % off of the debt of {$640.00} of the {$1200.00} if I responded by XX/XX/2020. 

Equifax Credit Bureau has sent a letter asking to verify my identity. My letter was sent with two forms of ID. Drivers license and Social Security number. 
Experian Credit Bureau has it pending until XX/XX/2020 Transunion has not responded about the dispute as well. 
This has caused my credit score to decline tremendously and caused me not getting a major purchase and defamation to my character because of the reporting on public record or collection of debt. 

All three major bureau 's have played stall tactics and continue to report erroneous information. I have all information from and return receipts of my first letters sent to bureau 's and National Credit Systems. 

They are in violation of the Fair Credit Reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of Character Please help me to expedite the results of removing these erroneous items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
XXXX XXXX : XXXX  XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} XXXX class action settlement. 
HIPPA

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 2020-02-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
XXXX XXXX : XXXX XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} XXXX class action settlement. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
i have disputed this problem with XXXX  since 2019 then in XXXX other Hard Pull from Pay -Pal credit i have disputed it several times and i have Pay -Pal credit and ever time they say we send letter and have it deleted and mark it as Fraud well all of it was lie all my letters all my calls was for nothing MY last call i was to point, well i was to point .The rep got on he was smart moth young kid and i was not in mood but i didn't say nothing back i ask are you i Fraud dept he said no i said then i need to talk to someone in the Fraud dept he said you like that i said i would since you don't nothing but answer the phone .The rep said i just do that i said then do it the Rep made a mistake and hit the button and connected me Synchrony Bank i ask are you Pay-Pal credit she no i am Synchrony Bank can you fix my problem since i connect somehow she said yes XXXX, And i never told her my name? She XXXX i am really sorry for all this i really am. i ask what can you do because all i have got is lies she said i no XXXX she said but i can fix it i will delete it and all the files it take about two weeks to run threw the system and XXXX please forgive me i am truly sorry, I ask he how this happen she said you woulde n't understand XXXX Okay but i am sorry i said let me guess she said i got to go XXXX i said give minute this account was never opened by me i no that she said i no But who did XXXX you wouldn't understand. I said let me guess Pay-Pal credit opened it in my name and your bank allowed she YES XXXX i got to go what you your name since you no mine and you sound like they more to this XXXX i no you i said don't worry about that what your name she said XXXX and XXXX i got to go. that was end? little strange to me. So i looked and looked for name at Synchrony Bank at it was hard to find she not rep she works in the vise president in litigation 's and i wonder how come she was talking in room in low voice and it was her middle name, Pay-Pal is opening Fraudulent accounts using people Social Security Numbers they did this before, my guess to his taxes, assets and so on millions of people will be hurt for years to come and i am

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 2020-02-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately.

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 2020-02-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX I co-leased a XXXX XXXX  XXXX at XXXX XXXX, today XXXX XXXX  in XXXX XXXX, CA, without any problem or late payment for more than two years. Unfortunately, on XX/XX/XXXX this car had an accident and was totaled. The insurance made all the arraignments and paid Kia   Finance a total of {$15000.00} on XX/XX/XXXX supposedly for the full payment of the car and covering all the expenses owed. Until XX/XX/XXXX we received an email from my credit card company saying that there was a change on our credit report and to our surprise there was still a balance on the XXXX   Finance account of {$280.00} dlls money owed for a car that was no longer in his possession since XX/XX/XXXX and that XXXX XXXX assured that the account was cleared. XXXX XXXX paid what was requested from KIA FINANCE but it seems that a balance was left unpaid and we never receive any letter requested by mail, email or call. To end this situation, we paid the balance of {$280.00} on XX/XX/XXXX but the damage to his credit was already done. 
We made calls and sent letters to Kia Finance clear this out, that I was never late in any payment but the company denied to fix it, and we are still disputing this issue with the credit companies and even hired a third party company to fix it.

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 2020-02-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately.

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 2020-02-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
Guaranteed rate is the originator of my mortgage and it is being serviced by XXXX XXXX XXXX XXXX ( Servicer for Guaranteed Rate ) Account # XXXX. My payments are not being being posted to my account in a timely manner. My payment for last month was credited to the wrong account and the error has still not been corrected despite numerous phone calls and messages thru the secure message app on the servicer 's website. I am concerned that my credit report and credit score will be ruined by this company 's errors on my account. My monthly payments are taking a very long time to credit to my account. I am now sending the payments very early in hopes of getting posted to my account on time but to no avail. I have really GOOD credit and I don't want it ruined by appearing to not be making my mortgage payments ( even though my bank statements prove otherwise ). I am making timely payments and should not suffer the consequences of this company 's inability to post payments to the proper account. Thank you for any help or advise you can provide to me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
On Monday XX/XX/2020, I attempted to complete a international money transfer to a family member utilizing MoneyGram. 

Transaction value : {$60.00} USD The transfer destination is XXXX, I am XXXX as well. I have previously sent a number of transfers to the specific recipient prior. Upon trying to conclude the transaction, I was given a vague error stating that " I can not complete the transaction online, in-store or over the phone ''. 

I reached out the customer service who proceeded to tell me that I was blacklisted/banned from using the service. The representative refused to provide any details on why this occurred. 

I have filed a customer service case with MoneyGram XXXX Case # XXXX XXXX. They have not responded to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: NY

Complaint narrative:
As previously notified I am a victim of identity theft

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 2020-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I send XXXX dollar to a two of my friends to XXXX XXXX on XX/XX/XXXX XXXX XXXX  us time so my frien receive the tracking number at XXXX XXXX time, my frien works in XXXX XXXX he is not getting out work till XXXX western union send me a text telling me the my friend pick up the money already at XXXX later on around XXXX or XXXX my frien text me back telling me the money was already pick up but not by any of my friends by somebody else at XXXX in la XXXX XXXX XXXX something is wrong here my couldn't pick up the money a this time he was workin by this time and XXXX is to far away is 22 hours driving from XXXX  to XXXX and yes I call western they told me the money was pick up in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
In 2012 the apartment l was renting flooded.l had to move quickly and at the time the light bill was only {$210.00}. I called to cancel service but they didnt and continued to bill me. When l realized the bill was almost {$400.00} and it went into collections.l tried to call them last month to see what they could do because the amount was wrong and they told me nothing.The lady on the phone was very rude.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I contacted GM Financial and spoke with a representative back in the beginning of XX/XX/XXXX to inquire about getting my payments lowered because my father was just diagnosed with XXXX and I would be helping to pay his bills. The rep tried to help but informed me that I couldn't lower my payments on my vehicle. I continued to call every month I knew my funds were going to be short but the company didn't help to lower my bills in which late marks was charged to my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
My father passed in XXXX of XXXX. I called the same month to inform the company about my XXXX payment but I still didn't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Amazon Rewards visa card charged me cash advance interest charge of {$7.00} and purchase interest of {$52.00} on XX/XX/20 after i paid my total balance before my due date which is XX/XX/20. My chase card agreement stated we will not charge interest on purchases if you pay by due date each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

INCORRECT ADDRESS : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lamont, Hanley & Associates, Inc.
State: CA

Complaint narrative:
My medical insurance company threw me into collections in the fall of 2019. 
The name of my medical insurance company is XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Their Tel : ( XXXX ) XXXX. Their reason : XXXX paid the claim amount directly to me and not to the hospital. 

It took XXXX XXXX XXXX over a year to prove it, though. I had to repeatedly ask for a copy of their cancelled check. After a year, they found it and sent it to me by mail. I began to make regular monthly payments on the total amount I owed {$760.00} I am disputing the conduct and fraudulent billing of the collection agency XXXX XXXX XXXX used. The collection company is : Lamont , Hanley & Associates , Inc., XXXX. XXXX XXXX, XXXX, NH XXXX Their Tel : ( XXXX ) XXXX. 

I have paid the total amount I owed of {$760.00} IN FULL by XX/XX/2019. Yet, this collection agency continues to send me bills of arbitrary amounts, requesting payment. I have called, written, left messages to this collection agency, demanding them to stop this. Nothing has worked. 

I even sent this collection agency copies of my cancelled checks ( front & back ) to prove I paid them the amount in full. By the way, I paid them all of the {$760.00} in less than 3 months. 

Today, I received yet another fraudulent notice, that I am in collections for non-payment. 
Please, investigate this collection agency. And, please investigate XXXX XXXX XXXX for using this agency. After all, XXXX XXXX XXXX should be accountable for who they choose to represent their company. Thank you for your kind assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
Company does not notify you that you need to change your password, instead locks your account when you attempt to log in and the " Forgot Password '' query does not work, no emails get sent to the email provided, you need to speak with a representative, they are providing fake options to consumers. If this happens after 5:00 pm or on the weekends there is literally no one available to help, meaning that the bill you tried to pay three days early suddenly becomes PAST DUE because this company does not allow you to get any customer support when you need it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted the company in XXXX XXXX  2019 to inform them of the sudden passing of my father. I informed the rep that in needed and extension or forbearance due to having to help pay for funeral arrangements. The rep was nice but said I didn't qualify for any extension or forbearance. The unwillingness to work with me was very disappointing since I had been a prompt paying customer up until that point.

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 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX, I found out that {$310.00} XXXX XXXX ) was taken from my account without my permission. I've called The Bank of America, and they had sent me a Unauthorized ACH Return Form which I need to fill out and FAX it back to them and told me to wait for updates. After I did fill out the form and FAX it back to them, for about 2 weeks I decided to call again and they told to that I still have to wait for about 2 months. Then I called back again, they told me that my I didn't fill out the form in the time frame of 24 hours on XXXX, when the transaction was taken, and that my claim was closed/deny and that the bank couldn't do anything about it, so my money can not be return back to me. I do not believe that there is such rule about me having to fill out a form in 24 hours on the day the transaction was taken, usually in this situation the bank would resolve the issue and give back my money but whenever I try to call again to figure out a solution they answer with why I am calling again and asking the same question and to figure it all out myself. I called the police seeing if they can help, and when they called The Bank of America for me and the bank said that they would send another form for me to fill out and FAX back, which I did and I called back to make sure weather if they had received the form or not, they replied saying why I'm calling back again and that my claim was closed they can't do anything about it. So now, I am hoping that you can help me get my money back.

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