vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
I have received numerous calls from Halsted Financial Services and when I ask what the call is in reference to, the call taker says it is about a past due debt. Then when I ask for what/whom the call taker asks for my telephone number and states that my number is not in the company 's database. I do not know how this is possible as I am calling from the very number the company called to reach me. I do not have any past due loan or credit accounts and certainly no accounts in collection with Halsted Financial Services. Additionally, when I ask to be removed from the company 's call list, the call taker says he or she can not remove my number because, again, it is not in the database Calls received : XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I signed up with XXXX XXXX to check out their Lawn care service and pre-paid in full for One year of service upfront. At the end of the one year of service, I decided to not renew. I had numerous calls from various people in XXXX XXXX   asking if I wished to renew their service. I communicated that I was not interested in renewing their service. After a few days I got a letter from them stating that I owe {$170.00} for services rendered this year and if it is not paid, it would be sent to collections. Please note that I had explicitly signed up and pre-paid up front for only 1 year of service. 

Thinking that this was a mistake, I called them back about it and they said that nobody informed them that I did not want to continue their service and so I owe them this amount. I responded again that I was not interested in renewing their service for another year, and also let them know that I am not paying the {$170.00} because I did not authorize or even request additional service. 

XXXX XXXX decided to send this " debt '' of {$170.00} to transworld systems for collections anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal limited my account for 180 days now they are still blocking me from withdrawing my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: AR

Complaint narrative:
EQUIFAX AND XXXX  AND XXXX ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. NOXXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Diversified consultants continues to report an inaccurate debt, despite numerous letters requesting the validity of the paid off amount. Instead Diversified consultants continues to send me a bill from the orginal creditor ( sprint ) that has an amount due, but never shows how the amount is accumulated, because it is inaccurate. Not only was this account paid off by me but I transferred liability of the account to the person who still has it as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My loans are serviced by Navient. 
At one point several years ago, one of my payments was late, according to Navient. I have been enrolled in an IBR program which sets my monthly bill at a specific rate. At some point following the late payment, yet not immediately following it, they assessed a late fee to my bill and so I paid it. The late fee remains still in subsequent bills and I called the company who told me that it would not go away because the amount I pay doesn't cover the interest, and that is policy. The customer service person ( XXXX  ) assisted me in using the custom pay feature to pay only the regular charge, even supplying me with the specific amounts for each loan and instructed me to call Navient the following day to specify that I wanted the payments allocated in this way. I didn't understand it, but followed directions. I called back the next day and, coincidentally, the same customer service rep answered ( XXXX ) and proceeded to tell me that no, I couldn't actually do that. I was then assessed an additional late fee due to the misinformation. My complaint in that case led to the removal of that late fee, but not the original one. It is clear that Navient dislikes the IBR terms and is using policy to exact more money. A late fee should not equate to changing the terms of my monthly amount..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had Amex cards since 1997. I have had Membership Rewards points for a few years now. Every time I try to redeem points, they freeze my rewards account. When I call they say now that its a technical issue thats been going on for the last week, and to give it a few more days. Everytime I contact them I get another answer. This time they say its a technical error, but the error says my rewards account is being reviewed. At this point I am about to file a small claims case against them for the points and terminate my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: AR

Complaint narrative:
XXXX  AND EXPERIAN AND XXXX ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. NOXXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.

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 2019-09-17 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: Innovis
State: AR

Complaint narrative:
XXXX AND XXXX AND INNOVIS ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. XXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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 — Was not notified of investigation status or results
Company: Gallatin Valley Financial
State: UT

Complaint narrative:
Rocky Mountain is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.

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 2019-09-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: AR

Complaint narrative:
ON AGAIN CONSERVE VIOLATING THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT ( TITLE X ). CALLING WORK, FAMILY AND FRIENDS REGARDING ACCOUNT XXXX. THIS ACCOUNT WAS PAID INFULL ON XX/XX/2019. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: POPULAR BANK
State: FL

Complaint narrative:
FRAUD ALERT! Credit Inquiry Removal/DELETE Request I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XX/XX/1919 and XXXX XXXX XX/XX/1919 19

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 2019-09-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.

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 2019-09-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I was a victim of identity theft on XX/XX/2019 and I was robbed of {$530.00} in my checking account. This was through a XXXX/XXXX transaction conducted by a malicious unknown user and I reported this to my bank on XX/XX/2019. Ten days have passed and I have received a letter in the mail that Ally Bank will not be providing me a provisional credit and considers this a POS dispute. This dispute is a fraudulent charge as someone has stolen my debit card information and used it to make a purchase through XXXX/XXXX. Ally refuses to provide a provisional credit despite stating numerous times that this charge is malicious. Their reasoning for this is due to having a existing XXXX account and suggests I contact the merchant to resolve this issue. Again, this is a fraudulent charge and I have nothing to do with this merchant as this charge was not conducted by me. Ally Bank is taking longer than 10 days to investigate this charge and by Regulation E is required to provide a provisional credit through the remainder of this investigation. This is a provisional credit, which means Ally has the power to recover this money back from my bank account should they determine that a transaction is not fraudulent, which in this case it is.

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 2019-09-17 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to 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 explanation
Consumer complaint received 2019-09-17 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to 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 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Our home loan was sold to LoanCare, and back at the end of XXXX, we were informed that this would be happening. We were going to be taking vacation in XXXX, so I called to try to set up auto-pay. Our info wasn't in the system yet, but the person I spoke told me that it wouldn't be a problem and we'd be able to figure it out later. At the beginning of XXXX we received a note that our loan was finally in the purview of LoanCare. By the XXXX of XXXX we began getting foreclosure notices. 
Unbelievable. This is how they run their business? How many of your loans go into foreclosure this way LoanCare? How much money do they make this way? How many people are on the street because of their predatory ways? 

We've been able to resolve this issue with them, however I'm reporting because they should be investigated. If this is a pattern, then many people are suffering because of LoanCare.

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 2019-09-17 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT CHASE AUTO LOAN XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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:
I did not applied for these accounts and never made a deals with them. Remove as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is not the first time that I have an issue with Citibank 's dispute department. Every time I call, it seems that nobody knows what's going on. They tell me that they are making a note in the system that whomever picks up afterwards can't see. 

I contacted Citibank at some point in midXX/XX/XXXX about a XXXX transaction that I had cancelled because the recipient couldn't withdraw the funds. XXXX was very fast in answering my emails about the whereabouts of the funds. They informed me that the transaction was successfully cancelled and that the funds were credited back to my debit card in the amount of {$150.00}. They sent me an email with the date, amount, transaction ID number, card number where the funds were refunded. All this information was provided to Citibank along with a signed explanation of what happened. This was a form that Citibank mailed to me on XX/XX/XXXX. I mailed it back to them on XX/XX/XXXX. They told me that after receiving this letter, they would consider a temporary credit until the dispute was resolved. They acknowledged that they received the letter in XX/XX/XXXX and asked me to follow up after 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 explanation
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: AR

Complaint narrative:
ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT XXXX AUTO  LOAN  NO.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: AR

Complaint narrative:
ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT XXXX   AUTO LOAN NOXXXX.

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: CA

Complaint narrative:
Is a collection account from an insurance service I had in XXXX  and I paid off. This account was sent to a collection agency named Receivables Management Systems. I asked to the collector to sent an itemization and the collection agency sent an itemization that does not anything. It doesn't say what my monthly payments were, it doesn't clarify where the late fees stem from, it doesn't specify what payments were reversed or when the file was cancelled. Furthermore, my final payment is for a large amount. That is indicative that I called on the final month and payed off the balance before I moved to XXXX. I asked to a friend to call on my behalf because this collection agency threat me very rude in the past. The collectors transferred the call several times to several departments and finally transferred with a collector who couldn't tell us anything about the account because it was a collections department and not a dispute department and no managers were on the floor and no one could speak about this account but anyways we have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
Company keeps calling about a debt this is not mine. Have told them repeatedly not my debt and I don't know person the debt may belong to. 
XXXX. The name of the company is unknown to me.

Company response to consumer: Closed with explanation