vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I received a notice from Professional credit services that a medical bill has been sent to them. I do not even know what is happening as XXXX was taking automatic payments out of my debit card. 

Has this been reported to the credit bureau? If so please give me proof of this debt- I am dis tubing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: FL

Complaint narrative:
Attached is a complaint filed with the FTC and all the listed creditors and inquiries are a result of Identity theft. On XX/XX/2015 Me My Husband and children was victims of Identity theft. We was living in a home that was being rented by someone that did not own the house we statyed there until we was notified that the house was foreclosed and that we had to vacate the premises immediatly we had paid {$17000.00} in rent only to find out we was victims of fraud at the time we had XXXX kids and that left us XXXX with nowhere to go we was forced to leave stouff behind. Once we realized that our personal idnetifications was missing we returned to the house only to see our stuff flying down the street. we lost our social security cards for ourselves and the children, Birth certificates, Id 's and all since Taxes has been filed in our name XXXX XXXX   accouts has been opened credit cards furnitue has been leased in our name and inquries for home loans and car loans has been reporte on our credit report. Please assist us with this siuation and help us get these Items removed. This is our last result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/19 I went to Macy 's at the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX ) to purchase a coat. There was a promotion going on where you if you signed up for the Macy 's Credit Card you would get 20 % off. The coat was listed at {$340.00} and had a sale going on but I was happy to get an additional discount on a large purchase and I have a high ( over 800 ) credit score with a good income so I have never been denied for a credit card. The sales associate ran my information, pinged my credit ( I was informed of this by my credit card and credit monitoring services ), and told me I was denied and would receive a letter in the mail telling me why. I spend {$140.00} on the coat ( after the sales discount but with no 20 % for the new credit card ) and had to place it on my personal credit card. I got a letter in the mail dated XX/XX/19 from Macy 's at XXXX XXXX  XXXX, XXXX, OH XXXX indicating that I was approved for a credit card and needed to call to finish the process. When I called today XX/XX/19 to inquire about why I was denied I was told that I wasn't denied despite what I had been told in store and despite not getting the 20 % off my purchase. I asked that my application be canceled and to speak to a manager to ensure that the application was canceled and to lodge a complaint against them for pinging my credit to deny then approve me with no compensation. I was placed on hold then a CS rep came back to tell me that the hold would be indefinite as there were no managers available. I still am not sure if the credit card application has been canceled and I am very concerned about stores handling credit card applications this way. If I am denied tell me why, if I am approved give me the discount. Don't ping my credit the tell me I'm both denied and approved but refuse to give me the discount.

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 2019-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
In a desperate financial moment a few years ago I took out a {$3100.00} loan from NetCredit. For years I have been making timely payments. 

I've been going through a divorce for the past year, and was forced to change my checking account provider. I chose XXXX XXXX  - it's an online bank. My paychecks are directly deposited there twice per month. 

Since that time, NetCredit has annihilated my credit rating. It has tumbled some 100 points. I have spoken with associates every single month since then, and each time they tell me something different about why they can not take my payments. They have taken a few since I switched, but then sometimes don't and subsequently lower my score by 10-20 points. 

Also their notes, of course, never reflect the conversations I have with them. I finally opened a new account just to pay that one bill. It turns out they trashed my credit rating because their associates, including the collections manager, did not realize XXXX XXXX existed. 

This bit is beside the point, but also I still owe {$3400.00} after almost three years of timely {$160.00} payments - this is after borrowing {$3100.00}. 

Clearly NETCREDIT operates via some loophole in deficient consumer protections laws. 

They exploit consumers at their low points, charging them unimaginable amounts of interest, and then destroy their credit ratings if they switch to a bank they don't prefer. 

Just to clarify- I NEVER have attempted to pay NetCredit with a credit card. I have twice signed up for auto draft and they never seem to process it. I have at least XXXX times made phone payments that they do not complete for one reason or another. Finally - they don't even do me the dignity of notating my attempts to make payments or set them up. 

I feel NetCredit 's treatment of myself and probably many others is completely unethical and should not be allowed in the United States of America. NetCredit 's parent company, by the way, is operated by Americans, but they operate out of XXXX. It's very obvious why they would be based there - the practices of NetCredit are inconsistent with the values of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: AL

Complaint narrative:
My student loan was serviced by ACS ( now Conduent ) until XX/XX/2017, at which time which it was transferred to XXXX. 

I need to get the complete payment/account history for my account for the time that it was serviced by ACS, but can not find a working phone number for ACS/Conduent. I am also unable to log in on their website.

I would also like to know if my account was affected in any way by the mismanagement of loans that took place while under the control of ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
We were suppose to close on our mortgage on XX/XX/2019. I arrived at the XXXX  XXXX XXXX XXXX  XXXX at XXXX. At that time I was informed that XXXX XXXX ( XXXX XXXX  XXXX XXXX ) did not send the package yet. At XXXX, I sent an email to XXXX asking why she has not sent the package yet. 

Her response to me was very rude and she threatened me and my wife. I had nothing but email communication with her but she never told us the amount we needed to bring to closing. I have always been nice to her due that I was taught never bite the hand that gives you money. This email made my wife cry and I have been unable to sleep wondering what happened. I will attach the email to this complaint to prove how rude she was. She even threatened to retract the loan right on the closing date??

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Asset Management Group, Inc.
State: IL

Complaint narrative:
I have been getting threatening calls from Global Asset Management on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding an auto account that was discharged in a chapter XXXX bankruptcy on XX/XX/XXXX. I was told that they will be garnishing my check and it does not matter that the car was included and discharged in the bankruptcy. The amount I was told that I now owe is $ XXXXdollars. On Tuesday, XX/XX/XXXX I called the original creditors XXXX consumer auto finance. I spoke with a manager and was told that the account was not sold and I should not make any payment arrangements with Global Asset Management. 

I continue to get several calls a day from GAM and I was told my wages will begin being garnished on XX/XX/XXXX. I DO have a copy of my bankruptcy from the court and I have told GAM that I could send them a copy and they have refused. I have been hung up on and threatened that if I do not make payment arrangement they will file a civil complaint against me and sue me for the auto loan. 

I was told by GAM that I am being pursued by XXXX XXXX but when I called XXXX I was told to call XXXX  because XXXX handles all of XXXX auto loans, which I had already done. On XX/XX/XXXX I called XXXX again at XXXX and I was told again that this account is not in litigation. 

On XX/XX/XXXX I also spoke with an agent from GAM and was also explained the file is in litigation. They keep calling Help please

Company response to consumer: Untimely response
Consumer complaint received 2019-12-03 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: GA

Complaint narrative:
XXXX XXXX is reporting on my credit in which I never had an account my identity was stolen and this account don't belong to me I'm requesting to have this item removed, also the XXXX XXXX account was deleted and removed from my credit report due to fraud and now it's reporting back on my Equifax please remove those fraudulent accounts from my credit report I also sent both companies a copy of my police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — Store credit 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 a late payment on the date below : 30 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 explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
Debt was placed on my credit report that I have no knowledge of. I've never applied for, had or used any services from the company/creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
Radius Global Solutions has been attempting to collect a debt on behalf of XXXX 's that was paid in full to XXXX XXXX. They continue to post negative credit reporting against my report despite the payment being made in full. 

We were in the process of re-financing our home and this transaction required that we receive a payoff amount from XXXX XXXX and rectify the outstanding debt. We received the information from XXXX XXXX for a XXXX payoff of {$3500.00} that was then sent by XXXX XXXX  XXXX to XXXX 's on XX/XX/XXXX and deposited by XXXX 's on XX/XX/XXXX. 

We received additional collection in XXXX of XXXX via mail and responded to them on XX/XX/XXXX outlining the incorrect facts that their purported collections were based on and informing them that they had 30 days to rectify the situation. They responded in late XXXX, via mail again and are maintaining that their collections are valid. 

In XXXX, XXXX XXXX offered a settlement at nearly half of the value that was paid and the value that was paid was the full amount of the outstanding debt. I believe that Radius is performing collection practices that are outside of FTC regulations and local ordinances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: FL

Complaint narrative:
Attached is a complaint filed with the FTC and all the listed creditors and inquiries are a result of Identity theft. On XX/XX/2015 Me My Husband and children was victims of Identity theft. We was living in a home that was being rented by someone that did not own the house we statyed there until we was notified that the house was foreclosed and that we had to vacate the premises immediatly we had paid {$17000.00} in rent only to find out we was victims of fraud at the time we had XXXX kids and that left us homeless with nowhere to go we was forced to leave stouff behind. Once we realized that our personal idnetifications was missing we returned to the house only to see our stuff flying down the street. we lost our social security cards for ourselves and the children, Birth certificates, Id 's and all since Taxes has been filed in our name Pay pal accouts has been opened credit cards furnitue has been leased in our name and inquries for home loans and car loans has been reporte on our credit report. Please assist us with this siuation and help us get these Items removed. This is our last result.

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 2019-12-03 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: FL

Complaint narrative:
Attached is a complaint filed with the FTC and all the listed creditors and inquiries are a result of Identity theft. On XX/XX/2015 Me My Husband and children was victims of Identity theft. We was living in a home that was being rented by someone that did not own the house we statyed there until we was notified that the house was foreclosed and that we had to vacate the premises immediatly we had paid {$17000.00} in rent only to find out we was victims of fraud at the time we had XXXX kids and that left us homeless with nowhere to go we was forced to leave stouff behind. Once we realized that our personal idnetifications was missing we returned to the house only to see our stuff flying down the street. we lost our social security cards for ourselves and the children, Birth certificates, Id 's and all since Taxes has been filed in our name Pay pal accouts has been opened credit cards furnitue has been leased in our name and inquries for home loans and car loans has been reporte on our credit report. Please assist us with this siuation and help us get these Items removed. This is our last result.

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 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My home was awarded 100 % exclusively to me during a divorce by a State District Court Judge here in Texas. I had to provide a quit claim deed from her and did so releasing her from any obligation on the loan according to Texas State law and according to the Judge 's order. 

I sent the decree of Divorce and the quit claim deed to PennyMac along with a trove of other ditrius and paperwork like nine days of bank statements et cetera. 

All of this was turned in and carefully checked off according to a PennyMac statement.

Several PennyMac Assumption team " specialists '' confirmed that I had indeed turned everything I and my ex-spouse needed to turn in. Several of these people told me my wife 's name would be removed from the home in a matter of days. This was two months ago. Now these " specialists '' won't return my calls and I can do nothing with my home because PennyMac refuses to remove my wife 's name from our mortgage in defiance of a State District Court judges order. I can do nothing with my home to include refinancing it, or selling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 and 30 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 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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
When a third partys error has caused my account to go negative, Prosperity Bank resists disputing the charges, then the bank refuses to refund any negative balance fees that were not due to bank error ( instead, they ask YOU, the customer, to do the legwork and call and argue with the company/request that the company refund negative balance fees ). After escalating the issue, they have now agreed to refund two of the four. But that is not good enough. If its not my error, its not my responsibility to pay the fees. This has now happened twice in two months. I have also been told to take responsibility for actions that are not even mine ( fraudulent charges ). Customer service is deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash threatened me by way of XXXX XXXX XXXX saying if I do not repay the XXXX I borrowed I would owe them XXXX but also said there was a judgement on XX/XX/28 and I could face garnishments and what not. I was never served.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc
State: CA

Complaint narrative:
On XX/XX/2019 an auto rental company claims administrator requested I pay {$120.00} for administrative fees related to an insurance claim which was paid out by XXXX XXXX. XXXX XXXX paid out all fees except a {$120.00} administrative fee. I failed to pay this administrative fee by mistake. The invoice for this unpaid {$120.00} administrative fee is attached. 

In XXXX of 2019 ( assumed ) the claims administrator forwarded my {$120.00} debt to the JNR Adjustment Company , Inc., located at XXXX. XXXX XXXX, XXXX, FL XXXX, XXXX, for collection. The claims administrator of my original {$120.00} debt confirms this and refers me to JNR Adjustment Company at this point. 

On XX/XX/2019, JNR Adjustment Company sent me a letter ( attached ) indicating that I owe {$900.00}. 

It has been at most 1 month since JNR received this debt for collection and JNR Adjustment Company added {$770.00} in fees and interest to this debt ( {$770.00} + {$120.00} = {$900.00} ). 

On XX/XX/XXXX, I notified JNR that I hereby dispute the validity of the debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation