vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and Transunion requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents

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 2018-06-27 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 — Investigation took more than 30 days
Company: PCR Group
State: NC

Complaint narrative:
I've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've written a letter to dispute this several times to Experian and Experian has yet to validate this debt from XXXX XXXX XXXX in the amount of {$260.00} from 5 years ago.

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 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
I've written a letter to dispute this several times to XXXX and XXXX   has yet to validate this debt from American Credit Bureau in the amount of {$260.00} from 5 years ago.

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 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A few weeks ago, I started to receive letters from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ut XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a TJXRewardsMasterCard that was applied for and immediately a purchase of {$140.00} was charged on it at TJX on XX/XX/XXXX, on the same day and at the same time. 
The first week of XX/XX/XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit TJX Master card. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted TJ Maxx on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX in XXXX FL to send requests to get my so-called application of XX/XX/XXXX. I also contacted XXXX XXXX today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from XXXX XXXX today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.

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 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
It was said that the account was staying on my report, there is also a CA address under me and I have never lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I'm went in to XXXX XXXX XX/XX/XXXX with a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, XXXX Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I'm went in to XXXX XXXX XXXX 's XX/XX/XXXXwith a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, Barclay Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.

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 2018-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: RI

Complaint narrative:
Im getting harassing phone calls about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
I was a victim of identity theft. Someone proceeded to rent an apartment and cable in my name at XXXX XXXX XXXX. I spoke with the NCC Business Services and all three of the credit bureaus to advise of this problem. I also made a payment to NCC Business Services just so I can have this removed from my credit report. They are still reporting a negative, remaining balance that does not belong to me. I asked for a settlement to at least attempt to have this derogatory remark removed from my credit report but have received no luck. When I tried to dispute with the three credit bureaus, I still had no luck. This derogatory remark is making it very hard to rent a home and affecting my credit report. I would like to have this removed from my credit report immediately. The debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I need access to my financial data in apps. Please let me use services for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Northstar Location Services, LLC
State: TX

Complaint narrative:
I received a letter dated XX/XX/2017 from a company called XXXX XXXX XXXX ( attached ) stating they were the new owner of my credit card debt from XXXX. Subsequent to this letter, I have received numerous letters from other companies regarding the same debt. One even sent a letter with a fake XXXX XXXX logo on it. I received numerous phone calls on my phone ( work and home ) from someone threatening to file lawsuits against me for this debt. They also came to my home and left a card on my door claiming to be a XXXX County Courts Process Server. But the card did not include the court number or any other information. I have been getting letters from a several letters from supposed law firms wanting to represent me in this supposed lawsuit. I went to the public records as they stated in the letters and because I have no court documents or court number I couldn't find out any information. These people coming to my home over one credit card is an invasion of my privacy and makes me feel for my safety and for my elderly Father 's safety. He is very ill and these kinds of tactics are detrimental to his health. I have included all the correspondence but was unable to transpose the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I received the letter I have submitted today from a company called ARA. It says the original creditor is XXXX ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received the letter I have submitted today from a company called XXXX. It says the original creditor is Beneficial ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
Received recurring phone calls from a company by the name of Oracle Financial Group claiming fraud concerning an XXXX XXXX XXXX account. First couple of calls were from New York. The last 20 calls have been from an unknown number. 
This message is intended for XXXX. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning XXXX XXXX XXXX account. This matter is directly affiliated with your name date of birth as well. 

Gave the phone number to call back : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had an issue with Shellpoint mortgage reporting the status and amount of a mortgage account which was incorrect in both the amount and the status, thanks to a compliance complaint that I filed with your agency previously my issue was partially resolved ( thank you very much ), but unfortunately the most important part of the reports accuracy remains unsolved, according to my agreement with them the account will be reported as closed and paid in full on all 3 credit bureaus ( see attached letter ), but unfortunately they are reporting as settled for less than the amount owed which adversely affects my credit, I need to request once again for your help to resolve this issue so I can move on with my life, if you have any questions please dont hesitate to contact me and once again thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called CAPITAL ONE Bank at XXXX ( XXXX ) XXXX XX/XX/18 at XXXX they say the can not do anything about it. 
And have tried solving the issue myself over the course of a couple weeks, I still finish myself unable to use external application with my bank account. This is my right to use as I see fit. I do not need barriers placed on my account. For about a year all my services worked and then suddenly it began to fail with connecting to capital one. App such as XXXX pay apps no longer function as intended. I dont not want to use capital one bank bill pay. I would like to have the option. I have apps such as earnin a payday app that requires to see my my banking transactions to see when Ive been paid, so it XXXX lend me money, and debit it when my payday arrives. I must call customer service every week and email them screenshots to continue using the application. THIS IS WRONG. My time and hours of the day I spend doing work arounds. If this is not fixed Im closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Received recurring phone calls from a company by the name of XXXX XXXX XXXX claiming fraud concerning an ace cash express account. First couple of calls were from New York. The last 20 calls have been from an unknown number. 
This message is intended for _______. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning Ace Cash Express account. This matter is directly affiliated with your name date of birth as well. 

Gave the phone number to call back : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal is trying to charge me recurring overdraft fees. not letting me close account, not stopping outgoing transaction ( some of them are suspicious due to my wallet got stolen ). give excuses to not helping me and keep activity going on so they can keep charging us. we are in recurring cycle now that we aren't able to stop. They don't let us take our money out. they don't let us close account. dealing with them over a month and looks like it will never stop. I think I am working for navy federal. just to give you an idea, every other bank, utilities, and companies help me exceptionally in my bad time ( wallet got stolen ), where navy federal is still taking advantage, even after a month as much as they can. our transaction was posted on different days specifically so that they can charge maximum overdraft protection fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
This is my third time filing a complaint against AD Astra Recovery Services. The last two complaints they state they are not calling and harassing me and that is a lie cause the calls keep on continuing. I have already spoke to a family member who is a paralegal today about their abusive collection tactics and she said they may say they are not the ones calling and making threats doesn't mean they didn't go outside of there company and hire a third party to do their dirty work for them. She states its a scare tactic that most collection agencies use and doesn't keep any records of the calls on their side and most companies that use third parties has been proven guilty of this in the past. The calls are being made from a unavailable number and is a middle eastern man and women calling me, my family and my job and I've demanded them to stop calling my place of employment. They don't keep anything confidential and telling them my financial business to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I bought a brand new car from XXXX XXXX in XXXX, NC in 2013. It was a lemon from the first day I drove it off the lot! I became Leary of the vehicle after numerous parts were defective on the car and broke down. I ask these people to please make this right and put me in a safe vehicle. They denied me over & over again. I had no choice but to volunteer the car back to them. They resold the vehicle, collected insurance money and have damaged my credit in the meantime! They ( Santander ) say I owe them {$10000.00}. They should have to pay me for the XXXX Ive been through about this horrible car! Please, somebody help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation