vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OR

Complaint narrative:
I was XXXX from XX/XX/XXXX - XX/XX/XXXX. When I returned home and set up my online account for my US Direct Express debit Mastercard which received nearly {$15000.00} of back payment for social security XXXX payments ( XX/XX/XXXX - XX/XX/XXXX ), I discovered over 136 transactions for restaurants, utiltiies, court fees, legal services, car repairs, car loans, rent, cash withdrawals that were fraudulently made by the person checking my mail at my PO Box . I immediately confronted the person, who admitted to using my card without my permission and promised to pay me back. This was all of the money I have to survive on. 

When the suspect did not pay me back as agreed, I had to file a police report with the XXXX Police to dispute all of the charges. I also contacted all of large amount creditors who noted their file. 

On XX/XX/XXXX, US Direct Express unwarrantley denied my dispute and is further victimizing me by not accepting the dispute so that those unauthorized charges can be reversed. I have sent US Direct Express a demand for an explanation, and request to appeal that denial. And, further investigation has determined that a second suspect made unauthorized charges, and I have filed a new dispute for those charges. 

The amount stolen is approximately {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES
State: PA

Complaint narrative:
I have reason to believe that Great Lakes reps are being unwillingly involved to delay & /or prevent my loan consolidation applications from being sent, ( transferred ), to XXXX . I have requested and ordered repeatedly for the last some months since end of 2018 for them to send all of my loans, with the exception of any direct plus loans for XXXX XXXX XXXX XXXX XXXX XXXX, to XXXX. They have yet to do so. 
XXXX mailed back my documents & application stating that Great Lakes denied them permission to process my consolidation application. Although I did hold off, I still emailed Great Lakes on several occasions, made phone calls to Great Lakes, spoke to reps, who led me to believe it was being taken care of, & specifically send notificatrions on their website, to release my loan applications for XXXX XXXX, so that the XXXX DEPT, ( who is also under investigation by " The Borrower Def,  Ref, Cancellation DEPT '', along with XXXX XXXX ... ), would be unablke to continue to service or have any access to my loans & consolidations ... 
Great Lakes even mailed me 30 pages of documents, stating that the XXXX-XXXX   DEPT forced them to add XXXX XXXX direct plus loans to my applications without my permission. They stated that they had to due to XXXX  XXXX DEPT, having jurisdiction over them! They don't have jurisdiction over me as the consolidator! I have a right to transfer my loans to another servicer if I choose. This is the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Look at the dates in the account, Date Last Active : XX/XX/2016 XX/XX/2016 XX/XX/2016 This is inaccurate, making this report invalid. This account paid and in current status. The lates however are questionable since I asked them for proofs but I got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I made 3 purchases at Ann Taylor/Comenity Bank, XXXX XXXX XXXX in New York. The total was for XXXX and they were offering a promotional deal if you opened up a Mastercard which I did. In XXXX some time I received an angry call from a woman who left no details but talked about having my attorney contact her. I called her to see what this was about and she wanted my personal information stating that she could not release details without my personal information. I thought it was a scam so I did nothing. I kept getting more calls so decided to investigate further having no idea what this was. I finally got to XXXX XXXX ( XXXX ext. XXXX ) on XX/XX/XXXX who explained that I had not paid my bill for my purchases in XXXX. I apologized to him and informed him that we were transitioning to a new home in a rural area and were having significant difficulty getting our mail delivered/forwarded. We had to involve the XXXX XXXX XXXX as well as the local police for stolen medication from our mail box. I told him I wanted to settle this immediately so he stated that I needed to send a check for XXXX to clear the balance. He stated that in view of my wanting to make good on this debt and given the circumstances with postal issues he could wave some of the late fees. A check ( # XXXX ) was sent to them immediately and cashed on XX/XX/XXXX. The following month I received another bill from them so again called XXXX XXXX on XX/XX/XXXX. He apologized and confirmed that I had sent payment and that it should clear the next billing cycle. Again this month I received a bill for XXXX due XXXX. They refuse to stop billing me and resolve this issue so am asking for your assistance. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 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: MT

Complaint narrative:
I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting.

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 2019-10-22 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: MT

Complaint narrative:
I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XX/XX/XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: NY

Complaint narrative:
XX/XX/2019 SENT XX/XX/2019 Client Services Incorporated ( CSI ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO., XXXX REFERENCE NUMBER : XXXX ATTN : XXXX XXXX AND/OR Client Services P.O. XXXX XXXX XXXX XXXX, MO. XXXX ATTN : XXXX XXXX RE : FOLLOW-UP COMMUNCIATIONS TO CEASE AND STOP XXXX XXXX XXXX XXXX ( XXXX ) Complaint ID XXXX and Internal Revenue Service LTR XXXX of identity theft claim Dear XXXX XXXX and XXXX XXXX, This letter is sent to Client Services Incorporated to cease and stop due to Client Services Incorporateds fraud, lying, and violating debt collection laws in the state of New York. 

Please stop hazing me immediately. Hence, Client Services Incorporated is charged with past due debt fee of {$5000.00}, for the costs of my legal investigation fees, losses, Citibanks negligence, and my Personal Identity Theft protection. 

Client Services Incorporated has misused my name, identity, and is to cease hazing me. 

Citibank is aware of the fraudulent charges in XXXX XXXX  XXXX XXXX and XXXX which caused identity theft and fraud. 

This is my notice to Client Services Incorporated of a debt collection notice that is going to be past due in three days from the date of electronic notice of XX/XX/2019, in the amount of {$5000.00}. 

XXXX and Client Services Incorporated failed to care and investigate properly thus committed fraud, and lies. 

Respectfully yours,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
IN XXXX, XXXX. I WENT OUT OF WORK FOR XXXX XXXX IN XXXX, VA WITH XXXX AFTER GETTING TO THE POINT OF NOT BEING ABLE TO GET OUT OF BED AND DO ORDINARY DAY TO DAY ROUTINE THINGS LIKE CLEANING MY HOME. IN XXXX I FILED FOR XXXX ON MY DOCTORS ADVICE AND IT TOOK, TO THE BEST OF MY BAD MEMORY, ALMOST 2 YEARS TO GET MY XXXX AND COST ME XXXX DOLLARS FOR SOCIAL SECURITY AND FOR MY XXXX FROM FEDERAL GOVERNMENT TO KEEP MY INSURANCE BECAUSE OF PRIOR HEALTH PROBLEMS. I HIRED A COMPANY IN CALIFORNIA TO HELP ME RESOLVE MY CREDIT DEBT. I WAS A SINGLE MOM WITH XXXX SONS TO RAISE AND NOT A LOT OF HELP FROM THEIR DAD. I HAD SETTLED A COUPLE AND THEN WAS SERVED WITH WARRANT OF DEBT FROM 2 BANK COMPANIES. I COULD NOT PAY WHAT THEY WANTED BECAUSE I HAD LOST OVER 10 THOUSAND DOLLARS IN SALARY AND WAS JUST TRYING TO KEEP MY SONS IN THEIR HOME WITHOUT UPSETTING THEM MORE. SINCE THEN THE CREDIT COMPANY LVNV Funding , LLC HAS BOUGHT THE DEBT WHICH IS PAST THE STATUE OF LIMITS FOR COLLECTIONS AND HAS SERVED ME NUMEROUS TIME AND THE LATEST WAS LAST XXXX WITH ANOTHER WARRANT OF DEBT. THE COURTHOUSE IN XXXX County SENT OUT A LETTER TO OBTAIN AS TO WHY THIS COMPANY COULD NOT GARNISH MY BANKING FOR WHICH MY XXXX CHECKS WERE BEING DEPOSITED INTO AND I FILLED IT OUT AND SENT IT BACK WITH COPIES OF MY XXXX STATEMENTS. LVNV Funding, LLC SENT OUT A NOTICE EXACTLY LIKE THIS ASKING IF I WAS ON XXXX AND I FILLED IT OUT STATING I WAS AND RETURNED THIS. THIS WAS XXXX, AGAIN, OF XXXX. I HAVE BEEN TRYING TO RE FINANCE MY HOME SO TO LOWER PAYMENTS AND TRY TO GET IT PAID OFF EARLIER AND NOT BE JUST MAKING IT EVERY MONTH. EVERY TIME I TRY TO RE FINANCE MY HOME THIS JUDGEMENT SHOWS UP WHICH AGAIN IS OVER 10 YEARS OLD. IT WAS TAKEN OUT AGAINST ME IN XXXX OR XXXX. THEY KEEP TRYING TO COLLECT ON IT AND THE CREDIT CARD WAS ORIGINALLY WITH XXXX XXXX XXXX  AS FAR AS I WAS AWARE AND I DO NOT KNOW HOW XXXX XXXX  GOT INTO THIS WHOLE THING BUT I ACTUALLY HAVE A CREDIT CARD FROM XXXX XXXX. HOW DO I GET THEM TO LEAVE ME ALONE REGARDING THE TIME LIMIT FOR EXPIRATION OF THIS CREDIT CARD ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
They first left me a voicemail saying that if I do not respond in a certain amount of time they will try to locate me. They threatened to call my current employer to find me. They also called my husband stating the exact same thing. I called them back ( XXXX ) and they said they were " compliant mediation '' of some sort tried to guilt trip me and ask me questions like " you did not plan on paying it back didn't you? ''. They say I am being sued by XXXX county and that they will come find me. I have not received any notice by mail that they are doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC
State: IA

Complaint narrative:
This company and their collections agency is harassing me telling me I'm going to jail for bad checks. Cussing me out. They are violating FEDERAL laws with their interest rates. See XXXX. Online loans especially at those rates in Iowa are illegal. I've contacted Iowa attorney general XXXX XXXX about the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I recently reviewed my credit report and I observed that XXXX XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from 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 explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have a late 90 days remarks and there are no prior late remarks on these account number XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TX

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. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-22 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: GA

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-22 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: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Nationstar Mortgage ( now doing business as Mr. Cooper ) is incorrectly reporting my mortgage payments as late in XXXX. With the 3 major credit bureaus, it is reported as 30 days late in XX/XX/XXXX and XX/XX/XXXX, and as much as 180 days late. Nationstar Mortgage modified the mortgage in XX/XX/XXXX and I made all mortgage payments to Nationstar, on-time, in XX/XX/XXXX and XX/XX/XXXX ( see the attached PDF, including bank statements, for documentation ). I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, telling me that the servicing of the mortgage was transferred to it and to make all payments after XX/XX/XXXX to XXXX XXXX XXXX XXXX, so that is the company that I paid in XX/XX/XXXX and XX/XX/XXXX. 

Nationstar sent email and letters to me and called me in XXXX and XX/XX/XXXX in attempts to collect mortgage payments. I called Nationstar several times and told the representatives that I made my payments to XXXX. I later learned that Nationstar messed up the loan servicing transfer process and did not actually transfer the servicing of the mortgage until after I made the XX/XX/XXXX mortgage payment to XXXX. However, XXXX neither returned my payments nor notified me that the loan transfer process had not been completed. 

I called Nationstar on XX/XX/XXXX and sent email on XX/XX/XXXX, in my attempts to get the company to correctly report my payments to the credit bureaus. On XX/XX/XXXX, Nationstar sent a letter to me ( copy attached ), which stated that it found nothing wrong with how my mortgage payments were reported to the credit bureaus. I called Nationstar on XX/XX/XXXX, and it said the same thing and refused to correct the problem. 

I am asking for your help in getting Nationstar Mortgage to make corrections, and report me as paying on-time for XX/XX/XXXX-XX/XX/XXXX, with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I recently reviewed my credit report and I observed that XXXX XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX  to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from 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 explanation
Consumer complaint received 2019-10-22 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I recently reviewed my credit report and I observed that XXXX  XXXX  are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hewitt-Capital
State: TX

Complaint narrative:
XXXX from Hewitt Capital " pre-legal '' division has called my cell phone, work phone and my parent 's cell phone numerous times to supposedly collect a debt and deliver time sensitive papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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