vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates has 5 accounts listed on my credit report that have not been verified. I wrote a letter on XX/XX/2019 to Portfolio Recovery Associates requesting them to provide me with validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws. They have continued to attempt to collect debt with failure to provide proper verification under the Fair Debt Collection Practices Act and filed a Judgement against me after they received a second letter from me written on XX/XX/2019 requesting this same verification. Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I would like the 5 accounts with Portfolio Recovery Associates to be removed from my XXXX, XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/XXXX ... this account was paid in full including interest for XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and XXXX I'm the person being 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 2019-03-04 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: KY

Complaint narrative:
I have requested numerous times that and a XXXX be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.

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 2019-03-04 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: KY

Complaint narrative:
I have requested numerous times that and a Collecrion be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.

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 2019-03-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MI

Complaint narrative:
My XXXX XXXX ( Comerica Bank ) card was debited for {$900.00} twice on XXXX-19. Both charges were paid to XXXX XXXX in South Carolina. I live in Michigan and did not make or authorize my card for these transactions and have never had a XXXX account or used my card in South Carolina. My card was still with me in Michigan when this fraud occurred. When I tried to report this fraud at the phone number on the back of the card I was only able to reach a recording telling me to try again later! It took dozens of calls and several hours to finally be able to get through to have the card cancelled. I reported the two fraudulent amounts totaling {$1800.00} but only received one temporary credit to my account for {$900.00} on XXXX-19. However, that temporary credit was reversed on XXXX-19 at about XXXX hours without any notice or explanation and just before the next direct deposit to my account on XXXX-19. XXXX XXXX did return {$890.00} on XXXX-19. I was also charged a fee of {$1.00} for transferring the balance of my account on XXXX-19 to prevent any further fraud when I was unable to contact XXXX XXXX to cancel the card. They also charged me {$15.00} to expedite the replacement card even though I told them on the phone I would not pay for expedited shipping! It has been 35 days since the fraud was reported and XXXX XXXX still has not given me back the {$930.00} in fraudulent charges plus fees they still owe me. It is almost impossible to communicate with them because they do not return calls or emails! The Federal Government should cancel the contract they have with this company and prosecute them to the full extent of the law for violating Federal laws. They are taking advantage of Veterans, XXXX and elderly clients who can least afford this grief and aggravation. To abuse the most vulnerable in our society in this way is a disgrace and morally reprehensible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
In XXXX of 2019, I applied for a Gold Delta SkyMiles Credit Card through American Express ( AMEX ) During a promotional period. The promotion states, " Earn XXXX Bonus Miles after you make {$2000.00} in purchases on your new card in your first 3 months and a {$50.00} statement credit after you make a Delta purchase with your new card within your first 3 months. '' Also, the offer states, {$0.00} Introductory annual fee for the first year, then {$95.00}. '' I received the XXXX bonus miles and the {$50.00} statement credit. However, AMEX charged my credit card the annual fee, which is suppose to be waived the first year. I contacted AMEX, spoke with three individuals, including a supervisor, who all stated they can not locate this promotional offer. I offered to provide AMEX with a copy of the promotional offer, but they refused to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I visited XXXX XXXX XXXX, XXXX for an in office procedure. I used no insurance and signed paperwork that all debts were paid in the office at the time of the procedure. The agreed price was {$180.00}. This was paid in person at the time. There was no later billing option, the price was established, paid in full at the time of the procedure, a receipt given, paperwork signed that all debts were to be paid at that time ( unless insurance was involved ), and the office billing person confirmed in person that everything was paid and nothing new would be charged. 

About a month later XXXX XXXX XXXX sent a bill for the procedure for which I had already paid. I attempted calling XXXX XXXX XXXX but were only able to leave a voicemail. To to best of my knowledge, no response from them was received. I continued to try to call, but only was able to get to voicemail, there was no person to whom to speak. 

The debt was then " assigned '' to Merchants & Professional Collection Bureau who attempted to collect on this falsified debt. We contact MPCB and explained that the debt was false and submitted a dispute to XXXX XXXX XXXX who provided the original paperwork that stated that all debt was to be paid at the time of the visit, along with a bill for the service again. MPCB decided that even though the paperwork showed that we were not a customer at the time of the latter, false bill, and had no debt to XXXX XXXX XXXX, refused to clear the debt. 

We called today to MPCB to discuss why they were continuing to pursue a bill now that they were aware that it was fraudulent and they hung up on us and provided no recourse for their pursuance of a debt that they knew did not exist. Even though XXXX XXXX XXXX provided no supporting documentation as to the debt attempting to be collected, and even though they had provided paperwork showing no debt could exist!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: GA

Complaint narrative:
I contacted XXXX XXXX in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my Equifax credit file. Per Equifax, this account is valid per XXXX. This is not my account and this collection is causing a major detriment to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
Here is my situation : I obtained a loan from Upstart.com. When setting up my loan payments I added my primary bank account. That account is used for recurring payments. A little over a year in, all payments being made on time, I need to close that account so I can transition to another bank. Then, I go to Upstart to add this new account so I can add the new account. This is where I run in to problems.

According to Upstart there are 3 ways to add my new bank account. First, through logging in with my banks username and PW on their site. Unfortunately, since my bank is a small bank Upstart 's system is not compatible. Second, by uploading a check. I don't used checks and have none associated with this account. Third, 'small deposit method. ' This is where I enter my routing/account number, they place small deposits in my account, and I confirm. Because the first two options don't work for me, I chose this. However, there is a glitch in THEIR system. No matter how many times I enter my info I get an error message. They have acknowledged that this third method does not work. I only have the first two options, which for the reasons stated above, do not work for me.

I call and ask them to add my account manually. They say this is impossible. I find that ridiculous. First off, it is not this difficult to add bank accounts from any other major creditor. I believe this company is intentionally making this difficult. My current account will close next month and I will literally have no way to make a payment on my account. I am ready, willing, and able to make payments. They won't let me. Then, of course, they will report late payments to my credit and charge me more fees. This is outrageous. They appear to be making this difficult on purpose. 


Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I recently lost my job and my mother was diagnosed with XXXX XXXX XXXX   XXXX with a few weeks to live. I notified the agent, asked to not receive calls at this time. The calls have not stopped but increased and on XX/XX/2019 XXXX XXXX I received a collections call to my cell phone. Yes at XXXX which caused us to wake up with panic thinking something has happened to my mom as she is currently under home XXXX XXXX in our care. 

I continue to receive the calls at all times and hours. I have screenshot my call records for that XXXX call a swell.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
The company involved ( Navient ) has repeatedly called, my work phone, home phone and cell phone regarding a private student loan that I may have co-signed for, however the private student loans have reached the Michigan statute of limitations. The loan periods originated in XXXX through XXXX and have been accruing interest and is now over {$100000.00}. They are reporting these on my credit report which is damaging my credit score. They have threatened to report the loans in default and attempt further collection actions on these old debts. I have never had any communication directly with this creditor. Additionally, the primary borrower and myself has previously filed for bankruptcy protection and as we understand, these debts should have been closed and removed from record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
they are charging me more than i received and they charged me {$100.00} for the first months interest and its not even the first month

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 2019-03-04 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: PA

Complaint narrative:
Equifax and XXXX will not remove the hard inquiries on my credit report. I am a victim of identity theft, and I filed a police report last year in 2018 when my identity of compromised. I also, sent a federal trade commission affidavit to all three credit bureau to have my report corrected and remove fraudulent information from my report. I checked my credit report and found that some new hard inquiries are on my report that are fraudulent. To date, the only credit agency that has worked with me is XXXX. Equifax requested information from me, and I sent in what was needed, and they did not removed the fraudulent information and follow the law for the FCRA section 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 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: FL

Complaint narrative:
In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/2017 ... this account was paid in full including interest for XX/XX/XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and sidley I'm the person being harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Funding has 3 accounts listed on my credit report that have not been verified. I wrote a letter on XX/XX/2019 to Midland Funding requesting them to provide me with validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws. They have continued to attempt to collect debt with failure to provide verification under the Fair Debt Collection Practices Act and have RETALIATED WEEKLY increasing the balance owed after they received a second letter, written on XX/XX/2019, from me requesting this same verification. This RETALIATION has resulted in a credit score DECREASE. I would like the 3 accounts with Midland Funding to be removed from my XXXX XXXX and XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
THIS PURPORTED DEBT IS IN COLLECTION WITHOUT M KNOWLEDGE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I received a letter from Synchrony Bank thanking me for my recent application, but additional information is needed to process my credit card application. On XX/XX/2019, I notified Synchrony Bank I did not apply for a Stein Mart credit card. The representative I spoke with stated she will close the application and remove the inquiry from my credit file. Unfortunately, this process was not completed by Synchrony Bank and the inquiry remains on my credit file.

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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: NM

Complaint narrative:
I tried to apply for a car loan and discovered there is a XXXX bill collection on my credit report. I tried to contact the company listed on my credit report and they have NO working numbers, or email address or anything. How am I supposed to figure out this " collection '' IF they have never contact me and have NO WAY of getting ahold of someone!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: AZ

Complaint narrative:
On XX/XX/19 I submitted a method of verification. I speciaifcally asked for all informaiton they are using to investigate and come to the conclusion that all of the informaiton is correct. They received the letter ( attached ) on XX/XX/XXXX. https : XXXX XXXX Already on XXXX they are sending back through their online communication that these items have been investigated before and are refusing to investigate again. First, that is not what I asked for. I asked for the PROOF. Second, they have to investigate again if I send a letter stating I need proof based on the LAW. They want me to send proof from years ago. I don't have it. It doesn't work that way anyways. They have to send me what they are using to come to this conclusion. It is not guilty until proven innocent. They can not just report something without providing the evidence. 

I have asked for the proof by law within 14 days. They have until XX/XX/XXXX ( 14 days fro receipt of letter ) to provide me the proof or they need to remove these items immediately.

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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE I HAVE NOT OPENED UP ACCOUNT WITH THEM I ADVISED THEM THAT THIS WAS A FRAUD ACCOUNT AND DOES NOT BELONG TO ME

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 2019-03-04 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am unable to see the credit score in the XXXX  XXXX XXXX mobile App ( Free FICO Score ) from inception ( around XXXX months ). The XXXX XXXX employees are least bothered to resolve the issue and only interested to catch fight with me, those bunch of idiots have only one answer that I am new customer and that's why it is not visible, it would be automatically visible after " few years ''. They even don't know the number of years in their so called " few years ''. I believe XXXX months is pretty long tenure to populate FICO score. 

From around XX/XX/XXXX, I am following up with the XXXX  XXXX XXXX but its service is extremely unprofessional and they are not reporting my SSN to the transunion. 

I called to Transunion at XXXX XXXX XXXX at around XXXX XXXX  on XX/XX/XXXX and I have been told by Transunion representative XXXX that XXXX XXXX  XXXX is not reporting my SSN to transunion. XXXX  XXXX XXXX reports my address, birthdate, age, address and my payment history. 

It would be great relief if I would be able to see the FICO score in the mobile app of XXXX  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