vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have contacted Credence Resource Management on numerous occasions during the month of XX/XX/XXXX regarding a collection account on my credit report. the amount is {$260.00} and the original creditor said XXXX XXXX XXXX XXXX. I also contacted the credit reporting agencies because I had no information on the debt. No one could provide me with detailed information. On my credit report it said XX/XX/XXXX. I have been with XXXX for many years so I was confused. I called XXXX XXXX XXXX and was told I had no account. After repeated calls and attempts to locate an account on their website I spoke to someone who was able to give me the information that the account was From XXXX, he also said that although I had a zero balance when the phone was transferred to another service there could have been charges after the fact (? ). I had no knowledge of this and was not able to locate information without numerous disputes to the credit agencies and spending hours chasing down information. Credence Resource management was not only rude and aggressive but they had no information as to the details of the debt. I have since found out it was incurred after I changed cell phone companies, moved and changed jobs. I offered to pay XXXX XXXX XXXX but they will not remove it from my credit report and the collection agency has the wrong date and is reporting it as a late payment as of this year ( it says on my credit files past due as of XX/XX/XXXX ). I need this debt removed from my credit file ASAP. none of the information was reported correctly and no one has been able to help me. PLEASE HELP ASAP. I am a single mother and I am trying to buy a house. I was told it wouldn't do any good to pay it because the collection agency will continue to report it late in XXXX and it will stay on my credit report as a collection file with the starting date of the debt as! XX/XX/XXXX. This is not fair and if I'm not mistaken is not legal. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: AL

Complaint narrative:
I did not authorize the below companies to access my credit report : XXXX XXXX  Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX  XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 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: ID Analytics, Inc.
State: AL

Complaint narrative:
I didn't authorize the below inquiries : XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Third Floor XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX Bank XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Online <alerts@notify.wellsfargo.com> To : XXXX XX/XX/2019 at XXXX XXXX Wells Fargo logo Your available balance has reached or dropped below XXXX The available balance for your account NON has reached or dropped below XXXX dollars. 
Ending Balance - {$470.00} Available balance - {$470.00} This information is accurate as of XX/XX/2019 XXXX XXXX Mountain Time. For your most current balance and more account details, sign on and select your account. 
To quickly and easily move money between your Wells Fargo accounts or between your Wells Fargo accounts and accounts at other institutions, sign on and go to Transfer & Pay. 
If you have questions, Wells Fargo Customer Service is available 24 hours a day, 7 days a week at XXXX, or contact us by secure email. 
wellsfargo.com | Security Center Note about balances : Ending balance reflects transactions that have posted to your account and does not reflect pending deposits or withdrawals. The available balance is an indication of funds that are available to you today ; however, it may not reflect all transactions that you may have initiated or authorized.

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 2020-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We received a 2nd mortgage from CitiFinancial , Inc. on XX/XX/XXXX. We received an offer a few months later to borrow additional funds at a lower rate and rewrote the 2nd mortgage with CitiFinancial , Inc. on XX/XX/XXXX. The loan on XX/XX/XXXX included a payoff of the original loan on XX/XX/XXXX. 

We are now in the process of selling the home and the loan servicer filed a release of the XX/XX/XXXX loan on XX/XX/XXXX ; however, there was no release filed on the original loan when it was rewritten on XX/XX/XXXX. We have to get this cleared up before we close on the home. If we do not, the lender will pay the amount of the XX/XX/XXXX to CitiFinancial, when it was already paid in full. 

Please advise what we can do to clear up this issue. I have contacted CitiFinancial,  however, you can only reach them by email or by leaving a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I have reached out to XXXX many times to resolve this matter. They feel that because I have had service with them in the past that this is a verified debt. I have disputed this account with the original company, the debt collector and the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked Transunion to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts 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 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp
State: TX

Complaint narrative:
I was approached by Equitable Acceptance Corporation in reference to my Federal Student loan in XX/XX/2017. The company representative stated that I qualified for a special program of repayment. I was told at the time to pay a set monthly rate for three years with an annual income review each year. At the end of that period of time my student loan debt would be forgiven. I currently pay {$39.00} monthly.

I recently discovered that this company shows up on my credit report as a charge card.

I called Equitable Acceptance Corporation and got a total run-around. This led me to call The Department of Education/XXXX. The representative informed me at that time that this company is known to be scamming people in reference to student loans. All the payments that were collected were never applied to my loan. They provide no services. Consumers are able to negotiate repayment directly with the Department of Education free of charge.

After some internet searching I have discovered the following information : 1. The FTC has taken action against this company and other similar companies. I have included a  link to the article : https : //www.ftc.gov/XXXX 2. There is an ongoing class-action lawsuit filed against Equitable Acceptance Corporation by XXXX XXXX and XXXX XXXX XXXX. I have included a link to the article : https : XXXX 3. The company has also been sued by the state of New York. I have included a link to the article : https : XXXX 4. Here is another article on the same subject : https : XXXX These are by no means the only negative articles and information about this companies deceptive business practices. I was scammed by Equitable Acceptance Corporation and hope to prevent another person from being taken advantage of by their deception and outright lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Signed agreement with Wyndham XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX with Section stating You may cancel your Agreement without any penalty or obligation within ten ( 10 ) calendar days after the date you sign your Agreement or the date on which you receive the last of all documents required to be provided to you, pursuant to Section 721.07 ( 6 ) Florida Statues, whichever is later. Upon research, there is no Section 721.07 ( 6 ) of FL Statues thus entirely misleading. We did cancel sending by notarized & registered letter on XX/XX/XXXX within 10-day requirement of receiving official copy of agreement. However, Wyndham nor Wyndham Plus would not recognize ( along with Barclays & XXXX XXXX XXXX ) issued at contract signing with Wyndham XXXX. Further problems followed ( even though canceled contract, each bank started charging interest & late fees even though we were officially not members as per cancelled contract not eligible for any services nor using any. What Wyndham does is wrongly state in contract require 120 days to consider cancellation, finally issuing cancellation officially accepted. Meanwhile, Credit Cards only allow 60 days then charge interest & late fees from day one of contract. Thus, reported to credit rating agencies lowering credit score every month until settled. In fact, subsequent letters to Credit Cards by notarized & registered mail are not even acknowledged or answered! Credit Agencies were notified but answered Credit Cards indicate valid charges so do nothing! This disconnect in contract times to respond is a crooked scheme ruining credit scores for consumer as well no refund of  interest & fees paid. Wyndham finally sent letter accepting rescinding contract on XX/XX/XXXX with repayment of principal paid a week later. Meanwhile, Credit Cards continued to charge interest & fees on interest & fees overdue ( double illegal  charges ) which we finally paid off on XX/XX/XXXX. Barclays charged in XX/XX/XXXX total fees {$240.00} & total interest {$240.00} while XXXX   charged total fees {$140.00} & total interest XXXX - all illegally! While credit rating agencies will not accept our request for redress of false reduction in credit score. PS ; We have all documentation if required.

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 2020-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Auto Pro Title Pawn, Inc.
State: GA

Complaint narrative:
Payment wasnt due until XX/XX/XXXX they said they were refusing payment and would then pick my car up for being late and that the only choice I had was to payout the XXXX that they wouldnt accept any other payment. They also have charged multiple people with 25 percent interest for over 5 months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Terms state : " You can receive only one new business checking account opening related bonus every two years from the last enrollment date and only one bonus per account. '' https : //accounts.chase.com/consumer/business/online/500checking I have never rec

eived any bonus for a business checking account. I opened an account and used a coupon but the terms were not satisfied, according to Chase, and the bonus was never paid. I escalated this matte r three levels at Chase and each time they gave me re-worded explanations of those terms. They said things like 'you can only use one coupon ' or 'you can only have one offer applied to your account '. That is not what their terms say. The terms state very clearly that you can only RECEIVE one bonus. I qualify. But they will not give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked XXXX to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: GA

Complaint narrative:
I asked XXXX to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts 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 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I received a notice of intent to sue and incur costs letter from mandarich law group llp.. I had to respond by XX/XX/XXXX ... I called then XX/XX/XXXX ( date ingot the letter ) via my lawyer, that I could make a payment of {$350.00} on XX/XX/XXXX, and a payment arrangement for the balance. We were told that was ok, and no lawsuit would go thru and to cb in XXXX to make the 1st Pmt and start the payment arrangement. I got a call from some random attribution lawyer I have no idea how he got my number, that mandarich sued me XX/XX/XXXX!!! They lied and sued even tho we had an agreement they wouldnt and accepted my payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brown and Joseph, Ltd
State: WA

Complaint narrative:
This is a debt that is not mine. It belongs to a business entity and was cancelled because they insured the wrong party/address and in wrong state. I asked them to stop calling me. They call and leave voice mails as if they are attorneys and never specifying that this is a debt collection/attempting to collect a debt. 

Collection Agency : Brown & Joseph , Ltd. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a complaint involving XXXX XXXX. They have charged off my account # XXXX and sent it to XXXX and Equifax for {$15000.00} but yet sent it to XXXX XXXX XXXX XXXX and their saying I owe {$13000.00} a difference of {$2000.00} but I also know they resold it at an auction because the last time a representative spoke to me they said if I didnt pay by the end of XX/XX/2019 they would resale it at an auction. I also have proof but cant attach paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Assist
State: FL

Complaint narrative:
Currently, my wife and I live below the Federal threshold for poverty. College Assist ( XXXX XXXX, MN ) has consistently refused to allow me to resume payments on my outstanding student loans by repayment based upon income ( Income-based repayment agreement ). 
At this time, they are offsetting my Social Security payments and forcing us to discontinue vital and necessary medications. My job as a Florida XXXX XXXX does not pay enough for us to make " standard and required '' payments. 

College Assist is nothing more than a collection agency or contractor hired by the Federal Department of Education to harass and intimidate Federal student loan borrowers who are unable to repay their loans at the " required minimum payment level. '' If it were financially feasible, I would engage a local attorney in order to deal with this collection agency. Unfortunately, there really is no " third-party arbitrator '' available to deal with situations such as this.

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