vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX, XXXX XXXX I obtained a finance credit card with TD XXXX  Card Services for the purchase of a new XXXX XXXX XXXX, I traded my old XXXX XXXX with a credit of {$500.00} to be applied to my account with TD XXXX  Card Services along with the purchase of a new laptop my account balance would be {$1500.00}. 

As of XX/XX/XXXX, I had made {$1300.00} in payments for this account. As of XX/XX/XXXX my balance from the {$1500.00} after all of my payments made is {$1300.00}. When I inquired about the problems with the current balance I was informed that I had been overcharged by fees from XXXX. Therefore none of the payments I had made to reduce this balance would not be reflected. 

TD XXXX  has since put a claim against my credit, they refuse to correct the charges and credit my account. XXXX has denied they have over charged my account and I am being harassed on a daily basis by TD XXXX  Card Services for payment. 

I have contacted both XXXX and TD XXXX Card Services and each deny culpability in the billing errors on their part and I think that it is unfair that I keep trying to pay off a balance when none of the monies paid for this account are reflected. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
I recently noticed a negative account on my transunion credit report. I notified the company in writing that this debt is from years ago and a company I may have worked for. I did request they provide ALL records and signed documents for the entire account to verify what they are attempting to collect and reporting to the credit bureau. This is not my debt and also beyond the statute of limitations in the state of Texas in which I live. TEXAS statute of limitations is 4 years. This collection agency is in DIRECT violation of the FCRA. 
I have spoken to Transunion by phone and was told this would be reported to the company electronically and that they would be notified of this FCRA violation and remove the account immediately. 
I have taken every action to notify them and am treated poorly and ignored. I am complaining now in hopes the CFPB can get this company ( see attached proof of harassment by mail, and also attempting to collect a debt illegally on my credit ) to promptly delete this illegal account from my credit report with XXXX. 
Please contact me if there is any other item I can provide to get this taken care of at once. The FCRA violation of my rights is hindering my credit and capability to proceed with financial decisions I am presently involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
on XX/XX/XXXX or on XX/XX/XXXX I called in to Acima to ask them not to bill be and to hold my payments. They told me on both dates that they had put a block on my account and that all I needed to do was to just call in to restart payments or send in mail. 

on XX/XX/XXXX the sent a eft to my bank the amount of XXXX. after they told me they would not. 
so that was a XXXX plus the XXXX bank fee. 
then it kept going on as follows. i ask the bank to stop acima they said they could not so i called asima they told me that they didnt attempt to get money all those time now i owe the bank XXXX in fees. 

XX/XX/XXXX COLLECTION FEE XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX MAINTENANCE FEE XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX OVERDRAFT FEE fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX and also another collection fee from bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX and XXXX, 2020, I made XXXX XXXX transfers through my Citibank account to my husband 's cell phone number, XXXX, in the amounts of {$2000.00} and {$650.00}, respectively. I had previously transferred money in this way many times without a problem. However, according to the XXXX receipt I can now see in my Citibank online account, this time the money was transferred instead to someone named XXXX XXXX. My husband, XXXX XXXX XXXX, still owns the cell phone number, and we learned later from his bank, XXXX XXXX, that his XXXX token had been transferred without his permission. When I sent the transfer on XX/XX/XXXX, my husband was sitting across from me in our home office and he immediately received a text message to his cell phone XXXX indicating that he had a transfer made to him from me. Likewise, on XX/XX/XXXX, he received another text message for the second transfer. When he did not receive the transfer to his bank account at XXXX XXXX, we immediately called both of our banks. Neither of these banks, Citibank or XXXX XXXX, have provided any remedy to this situation. Citibank has told me I need to contact the recipient, which would be impossible since I do not know who received the transfer. If it was in fact someone named XXXX XXXX, I do not know anyone, nor have I ever known anyone, by that name. Citibank has now denied my complaint twice. 
The transfer of the XXXX token appears to me a crime in that someone has now stolen {$2600.00} from me, and I would expect that Citibank XXXX XXXX should recognize it as such.

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 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have an issue with a collection account on my TransUnion credit report. I have contacted the collection called XXXX XXXX XXXX XXXX of Maryland and they are rude and unwilling to comply to the FCRA and FDCPA demands I made. I contacted Trans Union and spent over an hour on the phone with being transferred XXXX times to XXXX different people and departments. In explaining the issue and that this debt collector is not only attempting to collect a debt not mine, without FCRA required proof of debt and documentation, it is ALSO over the Texas statute of limitations and is WAY beyond the 4 year mark. The end result of the hour conversation with Trans Union led to me being told this would be electronically sent to the collection and they have up to 30 days to remove it. This is completely unacceptable to me. I would like the CFPB to please prompt Trans Union to correct this error especially since they admit it is violation of my FCRA rights and they are reporting this KNOWING it is bogus, in violation and damaging my credit. 
I have taken every action I know and refuse to accept that this can not be taken care of immediatly and not in a 30 day period. 
Thank you in advance for your help. If there is anything else I can provide please let me know. I need this off my credit immediately please.

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 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian should not be reporting a collection/chargeoff in the amount of {$1500.00} on the CAPITAL XXXX BANK partial account number XXXX. ( Please see page attached from my credit report. ) This account was included in my Bankruptcy and needs to report a {$0.00} balance and the coding changed. This false reporting of a collection/chargeoff is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
In XXXX of this year the company agreed to accept a settlement for the debt owed of {$4000.00} in six installments of {$670.00}. I've made all installment payments but now they have stated they have sold the debt. I've tried to contact their executive customer service but they have not responded.

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 2020-09-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am us, XXXX veteran, I wanted to buy a home and I started by checking my credit report, I noticed that the estate at XXXX XXXX apartment has placed my record under collection with 3 credit agencies. I tried to reach out to them to review the matter but I was turned down so many times. I was told I have to make payment for past dues on the rents with utilities. I sent all payments invoices to them to review the payments still I was turned down again and again. The negative report on my credit report has affected my ability to gain a favorable decision with loan lenders, I am asking your office to intervene and review this matter carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: LA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: TX

Complaint narrative:
I have been paying XXXX, XXXX XXXX and Experian monitoring services every month. These services will not update my balances or credit scores. I have called all three bureaus, Experian, XXXX  and XXXX  on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The XXXX bureaus all say the same thing that they will update but never do. XXXX months ago, Experian said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If Experian, XXXX  and XXXX  would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.

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 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: DE

Complaint narrative:
On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I had owed a private student loan through Navient ( at the time Sallie Mae ) and had unfortunately defaulted on it about 12 years ago. I never since made any payments and the statute of limitations for suing has passed. On top of that, I had a bankruptcy discharge in XXXX of 2016 which included everything that was eligible at that time including this loan. I all of the sudden am now getting calls constantly from a collection agency stating I am still responsible to pay this loan back. When they speak with me, they have used threatening language that I believe is attempting to trick me into renewing the statute of limitations and agreeing that I still have to pay this. I spoke with a supervisor a few weeks ago and she actually hung up on me when I told her that I do not owe this loan due to the bankruptcy. I want the harassing calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: OH

Complaint narrative:
On XXXX XXXX, I received a letter from LTD Financial Services, claiming a debt in the amount of {$440.00}. I do not owe this debt, I have never had an account with the company they claim to be collecting for. This is a fraudulent collection. 

I have received several phone calls from this company in the past month in which I have had to ask several questions regarding who they are with before any of the reps would tell me the name of the company they worked for. Upon hearing " LTD Financial Services '' I asked them each to stop contacting me. I was told by every rep that " thats fine, if you wont confirm who you are we dont want to talk to you anyway ''. Of course, I always receive another call. I have blocked the numbers but continue to receive calls from new numbers. 

The letter they mailed states they will mail verification of this debt. I have contacted the Ohio Attorney Generals Office to report this company as well. There is no verification to this debt. This is a complete scam and fraud. I have never owed this amount of money to any company, creditor or individual. After reviewing their status on the XXXX, where they have not even registered, it seems as though this is common practice with LTD, along with contacting people saying their Social Security numbers are not valid. It seems as though this company prides itself in taking advantage of uninformed people. 

I would like to file a complaint and report harassment. If this company continues to take this further and attempt any further collection of this fraudulent debt, or take any action to disrupt my credit, I will have no other choice but to seek legal action. Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation