vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Summary Description of my claim with CFPB with respect to improper behavior by CACH LLC and its assignees. 

CACH LLC XXXX XXXX XXXX XXXX SC XXXX Despite a dispute being filed with XXXX  and XXXX nearly 13 months ago ( XX/XX/XXXX ) due to the appearance of a record with an account number, amount and date that do not match any records that I have, this party ( CACH LLC ) continues to refresh this entry on my report and pursue collection activities ( letters through XX/XX/XXXX ) without acknowledging my dispute, providing any of the documentation required to validate their claim, or their right to pursue it as prescribed in previous rulings and consent orders handed down by CFPB to CACH LLC and affiliates for similar behavior. 

For more than 12 months since the dispute was documented with the credit reporting agencies, CACH LLC and its assignees continue to assert their claim in communications to me while neither acknowledging my dispute nor making any attempt to prove the validity and accuracy of this claim and their right to pursue it. This is a clear disregard of their obligations as defined in FDCPA and FCRA.

1 ) Section 807 ( 2 ) ( A ) of the FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any debt.

2 ) Section 807 ( 8 ) of the FDCPA, 15 U.S.C. 1692e ( 8 ) specifically prohibits the false, deceptive, or misleading representation of information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed CACH LLC and their representatives blatantly ignore these guidelines, as they have done so many times before, in order to blindly pursue payment on a claim I do not recognize and that they refuse to properly document for origin, amount, validity or even dispute status. Yet, they keep contacting me and updating this undefined negative collection item on my credit reports, presumably to force a nuisance pay-off, or me to deal with them. Which I am doing now through this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On XX/XX/2019, I submitted a complaint to your office. It was Complaint No. XXXX. It involved my student loans through Pioneer Credit Recovery. I had defaulted on my student loans. I entered into a payment plan with Pioneer Credit. I have been faithfully making monthly payments. The Dept of Education took my federal income tax refund this year. They should not have done so because I had entered into a monthly payment plan. On XX/XX/2019, Pioneer Credit Recovery responded to Complaint No. XXXX. Pioneer had responded that my account was erroneously certified for treasury Offset. Pioneer responded that it had taken necessary steps on the Dept of Educations system to request a refund of taxes in amount of {$1500.00}. I still have not received a refund. I have been waiting for it and I have not received. When will I receive the {$1500.00} refund which I deserve?? The Complaint was not resolved so I have filed another complaint.

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 2019-06-22 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: ME

Complaint narrative:
I paid off my collection debt in full. XXXX and XXXX have the right balance of {$0.00}. Only trans Union shows the old balance. I paid the debt off on XX/XX/19. I want my credit report updated as it is supposed to be.

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 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
had a fraud charge on my account. I called in to get it removed. a week later it still shows I owe for the fraud charge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
XX/XX/2019, I received a certified mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX it is a legal affidavit for garnishment against a bank account. Accounts Receivable, Inc, Washington trying to collect {$2900.00} plus interest of {$2100.00} and this account was already been paid a long time ago. It was not in Credit report any longer such as XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: CA

Complaint narrative:
XXXX, transunion and XXXX completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation summaries are attached.XXXX   came back certified that they are mine.both transunion and XXXX verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.

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 2019-06-22 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: CA

Complaint narrative:
XXXX, XXXX  and equifax completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation summaries are attached.experian came back certified that they are mine.both XXXX and equifax verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX 2019-Current GM Financial My automatic payment had been stopped, without authorization by me ( was set up over the phone upon getting the GM Financial loan initially ). Apparently GM financial stops automatic payments after 20 months, and I was not aware. I logged into the GM Financial website randomly in early XXXX, and was told notified via the GM website that my account was past due. I entered my account/banking information to pay, thinking this was unusual but considered it a fluke since I had been paying automatically for YEARS. After I entered my payment, it said my payment was processing. 

I followed up by logging in today to make sure this month 's automatic payment would go through, and see that my last payment was never processed, and now I've been turned over to collections. I've never had a late payment on any of my accounts, and this is going to ruin my credit. 

Up until I had logged in and noticed my account status, I had NEVER been contacted. I spoke to a representative today who told me they had an incorrect number in my account, and had been calling an old number. 

I'm asking that GM Financial please remove this from my credit report, especially since their system for payment failed, and they failed to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: MN

Complaint narrative:
Money Lion claims to be a financial services company but they charge members a XXXX monthly fee right now and refuse to cancel my membership and return money that is in my investment account until this loan is paid off. They claim it is in the payoff process what I dont understand is why it takes so long to pay this off. I requested payoff on the XXXX of XX/XX/2019, it was the weekend so they officially started the process on XX/XX/XXXX Tuesday, dont understand why it would not have started on Monday the XXXX. Money left my account to pay off the loan on the XXXX of XXXX today is the XXXX of XXXX and they are telling me that it will not finish the process till the XXXX of XXXX Tuesday. On top of that they pulled XXXX from my bank account on the XXXX to pay the membership fee. I have disputed this with my bank as fraud because on the XXXX I revoked my authorization in an email to them that they completely ignored and never responded to. I have an investment account with them also and they are telling me I can not get the money out of there till after this process, and that process even takes 7-10 business days. Really dont understand how they are allowed to operate in such an unprofessional manner and no care for the members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I tried calling my bank and pleading with them. I let them know that i loss my job and the fees that they are piling up it might cause me to be unable to pay my rent. 
After pleading they said that there was nothing they could do. 
But i know they can help. I'm asking right now if you can assist me please with asking them to return those overdraft fees that they keep placing everyday into my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  ( now XXXX XXXX ) agreed to terminate my Merchant Service Agreement on XX/XX/15. XXXX XXXX, bank branch officer, was given a copy of the letter terminating my agreement. Since the termination, on a monthly basis, XXXX XXXX has been allowed to debit my account anywhere from $ 40- {$120.00}.

This has added up to between $ 2500- {$3000.00}, the exact amount being difficult to determine. The reason it is difficult, as you will see on my attached document, the bank has made it very difficult to know it was being charged by a third party. This is why it was not picked up till 4 years later. The bank told me that anyone can debit an account and it can only be stopped by the owner of the account. They said take it up with XXXX XXXX. I am contacting you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2019, I received a voicemail from Citi saying I should call them back, but didn't tell me why. I wasn't sure if it was a scam so I logged into my Citi account where I received a notification that my account was in collection. I checked my records and realized that I had not received a bill for my DoubleCash card since XX/XX/XXXX so I called Citi to let them know. The service person confirmed my bill was late and I explained that it was only late because I had not received a bill. I asked him what I owed and he told me what I owed and explained that I also had a late fee. I told him that I would immediately pay what I owed, but didn't feel that I should pay the late fee because I didn't receive a bill. He told me he could not remove the late fee so I told him to close my account if he was not able to do the right thing for a customer that has a strong history of paying his bill on time and in full for every billing period he received a bill. He did confirm that I have a long history of paying my bill on time and in full, but still could not remove the late fee. 

I have scheduled an online payment for the amount I owe, but still do not think that I should have to pay the late fee or lose the reward dollars I earned. The payment is scheduled for XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Since the end of XX/XX/2019 to present, I receive 10-12 ROBO calls/week from this company calling itself a Debt collector and student loan forgiveness/negotiator. I researched every number that this SPAM caller used and traced each number to a Portfolio Recovery debt collector. I blocked each number yet, the calls keep coming in, a different number that indicates on my caller ID, Debt Collector or Suspected SPAM, and no message left on each call. I reported every number to the FTC and I am registered with the national Do Not Call list. I have Caller ID Lists dating back to the end of XX/XX/2019 that displays each number, the day and time and date I received these SPAM/ROBO calls from this Portfolio Recovery. I was directed to contact the CFPB because of the excessive/extent of each call and when I initially answered the call the voice response made an offer to forgive my student loan, and or, negotiate a payoff. I am currently involved in a claim I filed against a student loan collection agency ( XXXX ) and I don't know if this SPAM/ROBO debt collector Portfolio Recovery is affiliated with XXXX. I have an account ( s ) with the CFPB regarding this agency ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
hello I will try to make this short. hsbc has claimed I did not make payment for 2 years now they want to foreclose. they also did the same thing 4 years ago. and in 2012. 
I have to keep going bankrupt to save the house I have ever single receipt. and they say that's not good enough. even my Lawyer is surprise. so I have to go bankrupt again. 
something has to happen to hsbc to cost me my credit. and giving me a heartattack. 



also, they would hold my check until after the XXXX and charge me a late fee this has been going on your years so I certified ever mortgage check so I wood know when they got them..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: PA

Complaint narrative:
I have been back and forth disputing errors on my credit report with XXXX XXXX and Equifax to update my credit report, first off my information was compromised with Equifax. I'm signed up through XXXX XXXX since my information was breached. After I refinance with the XX/XX/XXXX I've notice weird stuff been going on with Equifax, First report stated I have mortgages wrap up {$270000.00} open XXXX two XXXX ( dup ) not so I've always had one mortgage with XXXX since XXXX sold and transfer to XXXX XXXX, XXXX recently sold the mortgage to XXXX. I ask both XXXX  to show XXXX showed payoff due to refinance with XXXX loan paid off XX/XX/XXXX, XXXX show open new loan. Equifax showed XXXX and XXXX showed open, I asked Equifax to show the XXXX transfer to XXXX now they have reported XXXX and XXXX closed and advise at the time that XXXX will remain after numerous disputes. XXXX and XXXX is now showing closed. I also asked for a CA address to be removed nothing has been done, I am so upset my credit score always been in 800 high after the refinance it dropped to XXXX with XXXX XXXX and Equifax not properly showing XXXX paid off. I'm assumming there must be children working for these companies. I have a payoff letter from XXXX showing it was paid off not closed. If you need this information I can send it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Asked Transunion to remove all inquiries since they were resubmitted and I received no warning that they were gon na put them back on my credit report, they need to be removed. This is an illegal 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 explanation
Consumer complaint received 2019-06-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is showing that my employer is " XXXX '', which besides being wrong, is discriminatory and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i have 12 Medical Collections on my credit report. I have disputed them all and they all responded back with copies of my medical records, procedures, lab results. 
This is illegal. What are these companies doing with my medical records. That is very private information, and against the HIPPA ACT.  Please remove these and delete my medical records from your database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have 12 Medical Collections on my credit report. I have disputed them all and they all responded back with copies of my medical records, procedures, lab results. 
This is illegal. What are these companies doing with my medical records. That is very private information, and against the HIPPA ACT.  Please remove these and delete my medical records from your database.

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 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was stolen and misused as a result of virus on my computer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was stolen and misused as a result of virus on my computer.

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 2019-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX  claims I owe {$6800.00} to XXXX XXXX. The balance includes amounts from prior policies, some as old as five years, which were supposed to be canceled before additional coverage and a bill generated. XXXX XXXX reps failed to cancel when I told them to do so, thus a bill generated for outstanding balance. Two prior complaints were filed about these issues, complaint IDs XXXX and XXXX. It appears XXXX XXXX is attempting to collect on old/expired, charged off, invalid debts. I've explained this in two prior complaints, XXXX XXXX also claims CCS as their in house collections agency which I believe to be a lie. I believe CCS is a private agency and they purchased the debts off XXXX XXXX whom is still attempting to collect despite the debts being invalid, old, charged off.. {$6800.00} is an absurd amount of money for an auto policy and will not pay it. XXXX XXXX has added on four different amounts from prior policies, refused to resolve the issue with me. Please see prior complaint IDs with information pertaining to these additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation