vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
According to Commonwealth Finance company, I owe {$430.00}, which is completely false. I did my research and based on what information I found out about Commonwealth Finance I am not the only one they have tried to collect a false debt from. I contacted Commonwealth Finance directly and spoke to a representative. I asked them to send me proof of this " debt '' I owe them and was asked to give personal information like my social security number which I found highly suspect. I believe this debt to be completely bogus, and will continue to fight it until resolved. These collection companies are taking advantage of people and ruining their their lives as well as credit scores like Commonwealth Finance is ruining mine. Please do something and have this company pay for their unjust acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was part of the Equifax Breach. Equifax refuses to remove inquiries that were not mine. This affects my credit score. They continued to tell me I needed to contact each company. I refuse since they allowed my information to be accessed. I have received 2 years of harrassing call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, XXXX, TransUnion and XXXX  and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.

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 2019-07-08 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: NY

Complaint narrative:
I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, XXXX, XXXX and Equifax and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, Experian, XXXX and XXXX and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.

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 2019-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I recently submitted a loan modification application to Caliber Home Loans that was denied the week of XX/XX/XXXX. As a result, I submitted an appeal. 

The basis for my complaint is that every Caliber Home Loan representative that I had spoken with BEFORE and during this process neglected to tell me that I would not qualify for a modification because I had one in XXXX, finalized in XXXX. In fact, one representative told me WHEN to apply and that I needed to wait ONE year which meant that I could apply as of XX/XX/XXXX. No one told me that I would NOT qualify based on those facts which would have been extremely helpful. More importantly, it was my right to know and be properly informed. 

This is not the first time that I have been given the wrong information from a Caliber representative. I have experienced this before and as a result, a manager by the name XXXX, had to personally review my file because I had been misinformed and my file had been improperly handled. At that time, I was initially denied a modification and after XXXX handled the case, I received a modification, and completed the trial payments seamlessly. All of this is a manner of record ( recorded and verifiable ). This time, once I received the denial letter, I contacted the company, requested to speak with a manager because I was tired of the runaround and misinformation. Nevertheless, they did not allow me to do so.

I do not believe Caliber exhausted all the hardship options available and for this reason, I think it is unfair and unprofessional that I'm continuously given incorrect information especially regarding such a serious matter. As a homeowner experiencing a hardship, I deserve to have all my options explored which I don't believe they have been. Additionally, I deserve to receive accurate information so I can be fully aware of the process and where I stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One closed my credit card account on XX/XX/2019 after my card was paid in full by XXXX XXXX on XX/XX/2019 for the transactions of {$1000.00} and {$100.00}. In XXXX they claimed the reason for closing my account was because they could not verify my identity. But My complaint against capital one is that my account was in the positive when capital closed it but on XX/XX/XXXX capital one fraudulent reported to the XXXX bureaus on XX/XX/XXXX that my account was closed was XXXX  days passed due for {$2.00} causing my XXXX XXXX to drop XXXX points. even though capital one reported the account positively and accurately for XXXX, XXXX, XXXX and XXXX they fraudulent reported to the XXXX  bureaus that they closed the account in XXXX. I contacted capital one about misleading the XXXX   bureaus and reporting in accurate information about this account and to remove the past due reporting especially since the account was never past due when they closed it but they have ignored my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
A year after I graduated, I was allowed to take out a tuition answer loan through Sallie Mae citing my boyfriend as the person who was enrolled. I believe I was unfairly and fraudulently targeted, not understanding that this loan was unaffordable and unnecessary. Additionally, all tuition was paid in full for the year yet I was allowed to take out this loan not being educated or explained the future ramifications of having this loan and making {$12.00} an hour out of college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a notification on XXXX XX/XX/2019 via XXXX XXXX  that i had an account in collections from a company called ProCollect. At no point did i ever receive any notice of an unpaid debt. I called Procollect today XXXX  XX/XX/2019 ( they were closed because of the XXXX of XXXX weekend ) asking about what debt i owed and they told me that i had a debt to XXXX at XXXX apartments but that the balance was XXXX because i had already paid, so i asked why it was showing on my credit report and all she told me was that it will show as a XXXX balance and that there was no way for me to remove this from my report. I believe this is unjust as i had never received any notice of any kind from neither ProCollect or XXXX at XXXX about a debt that i owed, XXXX at XXXX apartments has my email and phone number and i have never received an email nor a phone call from them about any unpaid debt. This company went straight to collections without notifying me in any way.

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 2019-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX Ive asked for a complete payment history. 

You havent provide me with a complete payment history but continue to report. Under section 623 you must provide me a complete payment history. This my 3rd and final warning asking for a complete payment history.

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 2019-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, my friend sent me {$800.00} through PayPal. They were told adding checking accounts to transfer funds, would take a few days and was given the XXXX for funds to be transferred to me. Days later it said the funds would be available on XXXX. It is now the XXXX and the money is still in pending status. There is no option to accept or receive money. This part is complex as it is and always has to be hunted for rather then just being an option next to money transfer information. 
I ( we ) know that PayPal is making money on interest as they hold this money. There is no reason this should take 8 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding representing XXXX RANDOMLY called an individual they assumed or hoped might be family member ( s ) to get in touch with me, ( while I was out of town ). I never gave consent to Midland Funding XXXX to release my financials to anyone other than me. I never gave XXXX or Midland Funding consent to release my financials to anyone other than me. Midland Funding and XXXX gave ASSUMED family members confidential information about me and my financial information with their company to this particular individual on or around XX/XX/XXXX and XXXX of XX/XX/2019. This was not the first time. XXXX and Midland Funding claim they spoke to my husband. Ive NEVER been married!!!!!! Midland Funding XXXX confirmed they spoke with my husband and gave him all my details about the account. Again, I have never been married. I never consented ; I never agreed in writing or by phone to Midland Funding XXXX to randomly contact individuals they assume might be family members or friends and give MY personal information about my personal or business finances with XXXX to someone other than me - I asked the customer service rep HOW or WHERE did they get this information on me. I was transferred to the manager in the case. That manager was not in office. No response. Im told they will look into the matter. UNBELIEVABLE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
we had a tornado damage our house and after fighting with the insurance company they finally released the checks to the mortgage company listed, i have been fighting with them since XX/XX/XXXX about releasing the checks in a timely fashion to avoid further water damage to the property, we do have tarps but they only do so much and with the amount of rain we have been receiving we are afraid that we are incurring further damages, i have explained this to the mortgage company i called them on the XXXX of  XXXX they said they were pulling the checks and they would be sent overnight ( i paid for that ) on Friday XX/XX/XXXX, we didn't receive them today in the mail so i called and they were never shipped and had to actually create yet another shipping label for them to be sent overnight again to be delivered tomorrow XX/XX/XXXX. there are several reviews regarding the same issues with this company and im doing everything in my power to finally stop it so that they dont victimize anymore people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I canceled my cell phone bill with XXXX XXXX on XX/XX/XXXX, my last payment was for {$150.00}. I utilize a credit tracking service, which is how I was notified ofan outstanding bill of {$700.00} for the phone. I never received any notification from XXXX. When I called in they directed me to IC systems, the collection agency. A gentleman stated {$700.00} was due and showed an incorrect address of : XXXX XXXX XXXX XXXX XXXX  md XXXX. Unfortunately that is the address of my deceased grandmother and I have not lived at that location for over 2 years. XXXX has never emailed me, after failing to get in touch with me, and they have confirmed the email on file is correct. Despite no one reaching out to me, I called XX/XX/XXXX and paid the bill in full. The confirmation number for that payment is XXXX. 

I then called XXXX and spoke to XXXX in the collections department, she confirmed the wrong address on file and no additional addresses. After using XXXX for TV and internet, and having all my bills sent to the correct address, it is puzzling that it would be incorrect in the collections department and then incorrectly sent to the collections agency. 

Upon my request to cancel service, I was NOT informed the final bill would be mailed, nor did the agent confirm the correct mailing address. I have been emailed all other bills for this cellphone line by XXXX, and my XXXX TV and internet bills were mailed to the correct mailing address. I am saying this to say, XXXX as a company has the correct address associated with me somewhere in their system, they just didnt look hard enough. I have more than upheld my end as the customer, by paying all of my bills, but the service I have received from XXXX has been unacceptable.

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 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Netcredit.com would not delete my personal information including name, email address, bank information, etc. The customer service rep said by Federal Law they could not delete my information. I believe that is incorrect. I want all my information deleted from all their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have disputed this acct with XXXX as it was opened fraudulently. They never resolved the issue and sold the acct to a collection agency. I have no knowledge of this acct never have I had XXXX services and some how they are confirming this is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
Hello, KIRSCHENBAUM AND PHILLIPS of XXXX XXXX County sued me without my knowledge for a credit cart debt of {$5700.00} which I was unaware as I never signed up for that credit card, and whose fraudulency I am attempting to prove, however I can't move forward on the case because I have contacted the agency repeatedly with requests for the paperwork ( the validation papers, proof of debt, and court case ) which, according to law, the agency should provide me within 5 days of my request. 

I requested the paperwork on XX/XX/XXXX ( told it would take at least 30 days ), XX/XX/XXXX ( with the insistence that it be sent in 5 days ), XX/XX/XXXX ( when the agency claimed it was sent on XX/XX/XXXX, yet  mysteriously never arrived even though there is a doorperson at the address ), and again today, XX/XX/XXXX, when the three people I spoke with refused to give me any answers. 

I know legally the agency is in the wrong by not getting me the papers, but that's not helping me to force them to send me the papers as they are required to. I would therefore like to file a formal complaint against KIRSCHENBAUM AND PHILLIPS and request help getting the documents I need for my case. 

Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: Velocity Portfolio Group
State: TX

Complaint narrative:
XXXX XXXX sold a debt to XXXX XXXX who sold it to velocity investments who filed a lawsuit in XX/XX/XXXX. We had a court date set for XX/XX/XXXX. They failed to show up for court. The judge dismissed for want of prosecution. They never did provide the appropriate documentation according to Texas law on me actually owning this debt because they do not have the right documentation. The judge felt like they had plenty of time to provide evidence. The had thirty days to file a motion. They have three days left to file and havent done it yet. This should be removed from my credit report. If you cant prove I owe the debt in the court of law it should be scrubbed from my credit report.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to a presentation by XXXX they asked my information and told me that the type of request they were doing with my credit would only be a soft request and would not affect my credit at all. This was in XXXX of XXXX, my credit report shows that it is a hard request and it does effect my credit until XXXX. They lied to me and I want it removed from my credit I just don't know how to get it done. Can you help me? 

This is what is showing on my credit show as a hard request and so it is effecting my credit : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Mortgage Cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
experian offered me a free annual free credit report, for XXXX, which will turn into XXXX as soon as i give them my card number. i am trying to get a loan to buy my home. i need to give the bank a report not a score but a report. how can you halp get my free report not just my score. 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 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I borrowed {$400.00} and the payoff 1month later is {$690.00}. The interest rate is super high. Didn't explain it properly. Then I learn that they are a third party lender. Help. Highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
On XX/XX/2019 I called GLA COLLECTION COMPANY, INC in order to dispute a collection fee that was reported on my credit score. Upon speaking with a representative, I was informed that the collection came from XXXX XXXX XXXXXXXX XXXX XXXX. I was provided with an account number to assist me in calling XXXX XXXX XXXXXXXX XXXX XXXX to find out where the bill came from. I revived verification from XXXX that I did not owe any money and that they had not sent me to collections. They Instructed me to call back and ask for an itemized list from the company. I called the company to ask for an itemized bill and they stated that I was past the point of receiving and itemized bill as the debt had been in collection for over 6 months. I indicated that I never received any correspondence about this bill, nor phone calls. The company is asking that I pay the full amount to remove the collection from my credit score without providing me a written statement as to where the bill came from. Please investigate this company as I believe this is a fraudulent case of extortion through.

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