vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 3 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my old GAP card, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2018-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The college I attended closed and also I was unable to get a job after graduating. I eventually attended a different college, pursued a different and was paying on that previous loan. I have repeatedly attempted to pursue an income based payment plan with no success, on top of being forced into forbearance. Now my loans has increased as well as interest rates. I have reaching out and spoken to various Navient representatives but have been getting the run around. Now I am completely in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: NY

Complaint narrative:
INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I sent a certified letter to HUNTER WARFIELD on XX/XX/2018 and they failed to respond back within the ( 30 ) day time frame for the 2nd time. HUNTER WARFIELD also continues to violate my consumer rights by deliberately refusing to comply with federal and state law according to FCRA and FDCPA. Therefore, I believe their actions are discriminatory ; due to the fact, this item has been DELETED, RE-INSERTED BACK ONTO MY CREDIT REPORT, REDACTED and RE-AGED in the attempt to collect on an alleged account that they failed to VALIDATE on approximately ( 5 ) occasions according to FDCPA-Validation of Debts 15 U.S.C. 1692g. More so, it is against the law for HUNTER WARFIELD INC to continue reporting a disputed account to the credit bureau ( s ) ; nevertheless, trying to collect on an alleged debt without VALIDATING it first. Also HUNTER WARFIELD INC violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Since HUNTER WARFIELD refusal to respond to my request for validation and their noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act, the Uniform Commercial Code and the FDCPA. ; due to fact, HUNTER WARFIELD INC fail to meet the legal requirements by law. Also, HUNTER WARFIELD is still adding interest on a close account which also violates the FCRA and the FDCPA. Furthermore, I do not believe that HUNTER WARFIELD is licensed to conduct business in my state etc.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRSTBANK
State: AZ

Complaint narrative:
I have NO knowledge of this Bank /debt. 
I have NOT opened this account. 

XXXX XXXX/Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Line of Credit Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$210.00} Highest Balance {$210.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$210.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED.

1.Brclysbankde Inquiry from XX/XX/XXXX 2.Brclysbankde Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX   Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/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 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX  Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX  XXXX Inquiry from XX/XX/XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I am not aware of this alleged debt and the collection company that is collecting the debt. I ask for an original bill of the debt and company didnt provide me with such details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
This was paid by state health insurance as I WAS A VICTIM OF A CRIME. 
AARGON AGNCY Reported on XX/XX/XXXX {$36000.00} Account Details Last Reported XX/XX/XXXX Collection Agency AARGON AGNCY Original Creditor XXXX  XXXX XXXX OF Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$36000.00} High Balance {$36000.00} Remarks Placed for collection Creditor Contact Details AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV 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 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
i sent XXXX to my friend in XXXX. it was to be an instant transfer and the paypal website said my friend was to receive the full XXXX it turned out that after i paid paypal said it would be a 4 day hold and charged the recipient XXXX. THE XXXX FEE-CHARGE WAS NOT DISCLOSED. THE 4 DAY HOLD WAS NOT DISCLOSED. 

THE RECEIPT CONFIRMATION FROM PAYPAL SAYS NO FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX IS REPORTING FALSE INFORMATION ON CREDIT REPORT. 
AFTER VERFIABLE DELIVERY OF MY CERTIFIED MAI ; THEY REFUSE TO REMOVE FRAUD ACCOUNTS FROM CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I had a unpaid medical debt show up on my personal credit report that is not something I owe. It was filed by Consumer Collection Management in the amount of ( {$570.00} ). In contacting Consumer Collection Management they say it is under another person 's name so they will not speak with me. This debt on my credit report has lowered my credit score substantially and cause me serious financial damage. It was put on my credit report starting XX/XX/2017 and I have already lost over $ 55K as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The student loans are a result of ID Theft. The loans were deleted from Salie Mae in XX/XX/XXXX because the loans were determined to be fraud. The sold them to XXXX XXXX XXXX.Under 609 law XXXX XXXX XXXX does not or can not provide the copies of the Promissary notes from Salie Mae. Navielent has my Adfidivit with Notary sent on XX/XX/XXXX. I want to sue them based off the CFPB case with Salie Mae because the loans were deleted or remove as a result of Fraud. Now Navient and XXXX XXXX XXXX will not delete {$100000.00} from my credit. I need to buy a home. Please help me XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and AAFES to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. AAFES even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.

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 2018-08-17 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: GA

Complaint narrative:
I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and XXXX to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. XXXX even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My information has been breached, everyone knows it ... everyone is taking full advantage of it and even trying to get a loan, claim, Grant in my name. It's real hard due to the fact that my own family+friends betrayed me. I haven't made one claim get but XXXX XXXX and citi bank both want to act like it's not going on.. they never let me see the computers when I physically talk to a banker.. They just insist on lieing in my face as they delete all the transactions in front of me.. It's not right nobody can access my accounts except me, There is no joint or nobody who's my financial partner wether they have the same last name as me or not.. always deception and XXXX discrimination by citi bank and XXXX XXXX.. I've been with wells for 10years for them to take advantage is straight wrong.

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 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
There have been several attempts to foreclose in my home without success because of fraud and forgeries. 
XXXX XXXX Circuit Case # XXXX- the plaintiff dismissed the case because of fraud XXXX XXXX Circuit Case # XXXX- Declaratory Case, the judge denied Ditech/ Greentree the mortgage servicer equitable title, equitable mortgage and the ability to enforce the note. 

XXXX XXXX Circuit Case # XXXX even though the plaintiff Ditech knew there was no equitable title, mortgage & no note to enforce a foreclosure was filed again. After mediation the judge told the plaintiff to close the case. 
Ditech is fraudulently selling the mortgage serving to XXXX XXXX XXXX. The mortgage accounts have been removed from my credit report and Ditech told me to contact the title insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Director of Ocwen Department of the Consumer Ombudsman XXXX XXXX Dear Mr. XXXX : On XX/XX/2018, I and a representative of Senator XXXX ( XXXX XXXX ) conferred with you about a serious problem we were having with the modification process of our mortgage. At that time you indicated that you would take care of the situation and would work with me in order to resolve the problems with the modification process of my mortgage. After that conference, I sent a new modification application to you as requested and awaited your response. 

Throughout this period I have been prepared to do whatever is necessary to resolve the situation with the modification -- which really should not be so difficult and is most certainly viable and possible. Unfortunately I received no further communication from you, but have instead just received yet again another letter informing me that you are attempting to sell my home, now on XX/XX/2018. 

We are shocked and very angry that your company would engage in such severely irresponsible behavior. We had an agreement to, in the very least, make an attempt to work out the situation -- which can be worked out. 

The extraordinary act of attempting to sell a familys home without any legitimate legal basis is a life and death situation for some Americans. This profoundly unethical behavior is an abuse of a severely dysfunctional and corrupt legal system in an attempt to do your part in the overall agenda to literally usurp the property of humanity itself. This situation must stop now! 

Please cancel the foreclosure sale scheduled for XX/XX/2018 and communicate with me about this situation. As I have indicated in the past I am certainly willing to work with you to resolve this situation and to avoid what would be a completely inappropriate, illegal, and unconscionable outcome. 

Completely failing to address the situation and allowing such a gross abuse of the rights of others is an absolutely unacceptable way to proceed. 

Sincerely, XXXX XXXX XXXX XXXX CC : Senator XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Eastern has not tried to provide real information on my credit reports. They use ready made answers to avoid having to actually verify a debt that their clients claim. Why is it that a Mortgage, car loan, bank loan, credit card, pay day loan or any other debt EXCEPT a false medical debt, includes two things : 1 ) A Contractual agreement. 2 ) A SIGNATURE. How is it? If the Consumer Finance Protection Agency will not help then perhaps the Texas Courts will. It is illegal to put false claims on ones credit, yet, Eastern has done it for their client. There is no proof of my being given the opportunity to challenge their false claims by notice as required by law. They only say so, no proof of service. They claim I owe money, yet they can not provide a contractual agreement or any other document save their invoice. Anyone can make up one of those. Thank goodness not many other crooks do this. Their placing this on my credit reports is just blackmail to get me to pay something I don't really owe. Texas law does not allow for any debt to be claimed or collected without a signed contract. Both parties must be signatories.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG HOLDINGS INC
State: IN

Complaint narrative:
I obtained a lease through XXXX for a washer and dryer. When I log in, two different leases show up and I am unable to make my payments online. I call in to make a payment on XX/XX/XXXX for my XX/XX/XXXX due date. I asked them will this payment cancel out the automatic debit that comes out on the XXXX and I was told yes. Here comes the XXXX and I get an email that my payment has failed. I call in to get an explanation and they say it was a system error. I log in JUST NOW to make a payment EARLY and I am unable to. I also see that they charged me a {$20.00} return fee for a failed payment on XX/XX/XXXX! This is incorrect because I paid them EARLY and they attempted to charge me TWICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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:
Plaintiff asserts Equifax Information Services, LLC ( " Equifax '' ) failure to provide him proof conducted an intrusive investigation into XXXX XXXX XXXX XXXX having engaged in fraud and deception. Creditor reporting unfounded statements and unsubstantiated claims Plaintiff owing a balance is gross fabrication. Equifax not contending in writing receiving evidence of proof, Affidavits from sworn police officer, bank statements XXXX drafted from Mr. XXXX bank accounts, XXXX sent a statement to Mr. XXXX XXXX account balance is XXXX and account paid in full around XX/XX/XXXX. Attorney General conducted an investigation thru discovery Equifax never conducted an intrusive investigation, into fact findings but instead, reliance on XXXX falsity of facts. 

Mr. XXXX consumer requesting FTC intercede on his behalf an conduct investigation into Equifax, repeatedly and persistently failure to remove the erroneous information timely. CRAs knowingly from XX/XX/XXXX through XXXX XXXX creditor receiving payments made via XXXX XXXX via phone. In support of argument Deputy XXXX XXXX County Sheriff provided affidavit around XXXX XXXX XXXX committed fraud against Mr. XXXX government employee and service member. Equifax knew or reasonably known of fraud or fraudulent acts rather than take appropriate action instead reported Mr. XXXX owing XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) et seq. ( " FCRA '' ), supports and substantiates furnisher of the misrepresentation of the facts and Equifax retaliated or engaging retaliatory action. 

Plaintiff 's asserts both employers Equifax and XXXX engaging in pattern of conduct, that is habitual and habit forming, making unsubstantiated claims that there is no timing requirement for response or responding to identity theft that occurred or is occurring is incorrect and in violation of 15 U.S.C. 1681g ( a ) .FTC stops unfair, deceptive andfraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
This account was disputed XX/XX/2017 resulted in account deletion due to unsupportive documents. Currently collection agency attempting to collect again. If not resolved immediately, legal action will be taken.

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