vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: TX

Complaint narrative:
I recently discovered that XXXX XXXXPayliance is  reporting a debt of {$200.00} on my credit reports after applying for a mortgage and was denied. I have never done business with this merchant and do not owe the amount they are claiming I owe. Upon contacting XXXX XXXX the advised me that it was a result of a returned check. When they verified the bank it was check written on an old account I had closed due to misplaced checkbooks. I have tried multiple times via credit bureau disputes and through assistance of credit repair company but XXXX XXXX keeps stating that they have verified this debt belongs to me without providing any identifying information such as my social security number, DOB, or  legal binding contract. I even offered to pay the balance if the agree to delete the negative in accurate reporting and the refused ( even though the debt does not belong to 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 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Today XXXX/XXXX/XXXX I applied for a Personal Loan through XXXX XXXX XXXX XXXX. The request was for {$12000.00} to roll all existing debt into one monthly payment over a predetermined term. When applying the Loan Officer stated that my Experian Credit Report showed a FICO of XXXX. I let her know, one XXXX XXXX that this was not the case. The FICO score I was pulling showed in the XXXX 's but that I would pull my Experian CB Report. I paid {$1.00} to have it pull on XXXX/XXXX/XXXX and my Experian CB Reporting showed a FICO of XXXX. This is a 40 pt  swing. I sent images on the pull I made to XXXXXXXXXXXX to substantiate my claim. ( Will attach email and screen shots of FICO from Experian and a copy of the {$1.00} paid on bank statement ) I was approved with a counter offer of {$4500.00} and an interest rate of 13.99 %. As I spoke with the Loan Officer XXXXXXXXXXXX I once again advised her that my CB reporting they pulled from Experian was in accurate and not up to date. Furthermore the reporting they were factoring as my " FICO, '' was in fact a pull that coincided with their own FICO reporting from XXXX that still showed on their Mobil App. ( I will include as an attachment ) The reality is when a company establishes credit worthiness with inaccurate data, this is an unfair and deceptive practice. Knowingly using inaccurate reporting to establish credit worthiness leads to high interest rates for the consumer and higher profits margins for the company. This is also unfair and deceptive practice. When I notified XXXX XXXX XXXX XXXX they did noting and basically said deal with it and passed blame into Experian. This is not an Experian problem. This is a XXXX XXXX XXXX XXXX problem. 

I believe there needs to be an audit completed into XXXX XXXX practices in pulling credit to establish credit worthiness. Additionally XXXX XXXX should be audited for the purpose of establishing how many other consumers have been impacted by inaccurate reporting which is an unfair and deceptive practice. I believe that XXXX XXXX is aware of this systemic abuse of inaccurate reporting being used and uses it to their advantage for profit. 

I felt like I was literally speaking to those that did n't care and had no answers.

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 2017-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
In XXXX XXXX, I called my federal student loan servicer, PHEAA, to request that the additional payments ( beyond the minimum due ) I was putting towards my loans each month be targeted at my highest interest loans first, in descending order. I was informed by the person I spoke with at PHEAA that I would have to message them through their online portal to do so. I did this on XXXX XXXX, XXXX. 

The next month, I saw that my additional payment had not been targeted at my highest interest loans, but simply disbursed equally among all of my loans as it had in previous months. I called PHEAA again, and was informed that I would have to hand-write and sign a letter ordering them to disburse the payments in the manner I wanted, scan this letter, and upload it through their online portal ( at myfedloan.org ). Frustrated, I did so on XXXX XXXX, XXXX. 

The issue finally seemed to be resolved, and for several months my additional payment was targeted at my highest-interest loan. However, on checking the disbursement this month, I discovered to my dismay that they had again disbursed my additional payment equally among all of my loans in direct violation of my request -- twice over the phone, once through an email, and once through a hand-written letter that was scanned and uploaded to PHEAA 's awful website.
It is unclear how to proceed as PHEAA seems perennially unable to fallow the simplest directions in a task that seems incredibly easy ( i.e., just taking several hundred dollars that I am *trying* to give them each month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need TransUnion, XXXX XXXX to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their XXXX was in training, he XXXX me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$550.00} Needs Attention XXXX XXXX  Last reported : XXXX XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Last reported : XXXX XXXX, XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$100.00} Needs Attention

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 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with XXXX XXXX XXXX XXXX. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. BB & T was the first. We are  now working with BB & T to try to close this short sale. BB & T has a XXXX XXXX, XXXX foreclosure date. XXXX is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting BB & T to move the foreclosure date out so that a reasonable closing can be processed. I could also use help getting XXXX to settle this loan with BB & T. 
XXXX is at XXXX XXXX XXXX XXXX, Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I placed orders on XXXX XXXX order # XXXX. My XXXX XXXX card was charged I have not received any order. When I called Customer Service I was told the order was canceled but I XXXX charged {$110.00}

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 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been dealing with Bayview Loan Servicing. Nothing but lies and false information. First I tried to a loan modification. I was turned down for a the modification. So I decided to do a short sale. I was told not enough time. As the paperwork was turned in 63 days a head of the sales date. 

Also a BPO was ordered with the value coming in XXXX higher then any comparable sales in the area. My house is more of a lot value then anything. Bayview refuses to work with me. All I get is lip service. As CA does not have dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
On XXXX XXXX my son was born at the XXXX XXXX XXXX XXXX owned by XXXX XXXX. I am an employee of XXXX XXXX and chose this facility for my wife to deliver to make sure our insurance covers everything. When our baby was born a pediatrician came in to see the baby, we were not given a disclaimer that this Pediatrician is from XXXX XXXX XXXX '' and was not covered by our insurance. It also does not make sense to have an out of network doctor at a in network hospital. We were not given the choice to choose an in network pediatrician. The lack of transparency from total pediatrician and then having the nerve to transfer the amount they think I owe is shady. I received a couple of letters from them directly and today on XXXX XXXX I received a letter from Wakefield and Associates on behalf of XXXX XXXX XXXX. Considering all the circumstances I do not think I am liable for this debt as I did not signed to receive out of network services nor did I opted for their physician. I would request them to close this account and cease all communication with 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 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Asked for Validation Letter not Verification. Never received validation that this debt belongs 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 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
A person by the same first name as me is showing up on my consumer report. We have different last names and I do n't know this person. Previously, in the past 2 months I have received phone calls from marketing companies asking for this person. And last week I received two pieces of mail addressed to this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need XXXXXXXX XXXX Experian to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their phlebotomist was in training, he poke me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXXXXXX + {$530.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$460.00} Needs Attention CXXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported :XX/XX/XXXX + {$100.00} Needs Attention

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 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Asked for Validation Letter not Verification. Never received validation that this debt belongs 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 2017-12-06 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: CA

Complaint narrative:
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Asked for Validation Letter not Verification. Never received validation that this debt belongs 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 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: NV

Complaint narrative:
Back around XXXX of 2015, I checked my credit karma score and to my disbelief. MEDICAL BILLS OVER {$4000.00} dollars we in collections! My identity had been stolen a few months earlier as I 'm from Oklahoma. My ID, SS Card, Debit cards, everything had been stolen. I even have contacted the IRS on this matter and have gone as far as contacting the IRS because someone had also been claiming me as a dependent. I have tried to dispute this and they repeatedly keep shutting me down as this is accurate. I need this taken off of my credit report. It 's killing 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 2017-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was approved in store for a XXXX XXXX credit card in XX/XX/XXXX. The bank that the credit was extended through was XXXX XXXX. in XXXX I used the card and paid for purchases that were used. AroundXX/XX/XXXX i was notified through a credit monitoring service that my account had been closed with no explanation. I inquired and within the first few weeks there was n't a reason. After hearing that XXXX XXXX  was apart of the XXXX breach I brought it to the attention of XXXX and asked them if the reason my account was closed was due to me being lower class or not having much money for synchrony or XXXX to protect. I did n't understand how credit was extended and taken back as if I had no right to ask what happened, Around XX/XX/XXXX I received correspondence that my account was closed due to old and past derogatory Items. I informed them when they extended credit to me those items were there why use that as a tool to close the card.

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 2017-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank is blocking me from enabling external applications on XXXX exchange

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: U.S. BANCORP
State: IN

Complaint narrative:
ok, this issue that I have is regarding a credit card company that I have. they reported that I missed a payment, but in reality I did n't. I had this account on auto pay and the transaction was made but then reversed or sent back. because of this, they reported a missed payment to the credit burial and then decided to give me a call to inform me about the issue and charged me a late fee. Had they informed me what the payment was sent back I would of resolved the issue. Now my credit score dropped significantly as a result. I 've contacted the company and they ask that I file a dispute with the credit burial by mail. 

the company is elan financial svcs my name is 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 monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Below is what I have copy and pasted from XXXX XXXX. I disputed the first one because this around the same time that my identity had been stolen, yet they close one and just turned around to open another one. This should not be on here. I have disputed multiple times now. PLEASE fix this. Thanks! 





XXXX XXXX - XXXX Closed : XXXX XXXX, XXXX + XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX - {$340.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$340.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief