vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019RESURGENT CAP SRVCS LP Reported: XX/XX/2019Your company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious RESURGENT CAP SRVCS LP Reported: XX/XX/2019I have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX  SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
I was very unfortunate enough to come across this company for a short term loan I needed when I lost my job to pay bills. I took out a loan for $XXXX  to pay for the bills, and was under the impression that I would make monthly payments on the loan. What I later found out is that the payments would come out every two weeks and would basically cover interest with very little going towards the principal, I made 3 payments of $XXXX towards this loan and still owed over $1000 after the fact. The lending practices of this company are predatory, and they lock you into payments that go well beyond the principal and normal interest rates which I verified and are highly illegal in the state of Florida on top of the fact that they are not even legally registered to conduct business in this state they have no license. To date, I have paid back twice the amount I have borrowed, and am expected to pay three times the amount of what was borrowed. This company is praying on individuals who have an immediate need and turn this nerd into an ongoing. Financial hardship. Charging close to 300 percent interest on their loan. You can not gather information from their website on your loan, get any documents anywhere and can barely contact them whatsoever. This is unethical and should be considered illegal practices by this organization.

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 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: MS

Complaint narrative:
XX/XX/2018 a purchase was made at XXXX XXXX in XXXX Louisiana in the amount of $XXXX The account used was my daughter's checking account number, but my name was listed as if it was my account. The bank, XXXX of MS, detected fraudulent activity on the account and contacted my daughter and stopped payment and closed the account. I received notification from collection agency and went to my local bank and the officer at the bank called the company and explained to them that I was not on the account that was used. I am continuously getting phone calls and currently unable to write a check anywhere that Telecheck is used. I have submitted all documentation that they have asked for. A police report was filed by my daughter. This was never my account. I have never been to XXXX LA or purchased anything from 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
Consumer complaint received 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
I have a car loan with Exeter Finance. They told me that they only recently allowed people to start making payments towards the principal of the loan which is shady customer service. 
I made an extra XXXX $ payment but because I did it on the website they said they wouldnt put it towards the principal because I did not call it in. Which they never told me I had to call it in. Then on XX/XX/2019 I called in an extra payment towards the principal of my loan for {$100.00} even. And I especially told them I wanted it to go only towards my principal and all they did was apply it to my account and change the date of my next payment. I called them and told them to fix it but it's taken multiple calls, and days to fix a simple issue. I do not trust them and will not be doing business with them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I see that the account was last reported dated XX/XX/2016, date last active is the same. Was claimed as collection but I see all payment on payment history are OK. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern,This is in response to CFPB: XXXX requesting for a police report and stating that my affidavit is not sufficient enough. Also, I still have not received any information I have previously requested for validation purposes.Your company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportinStating that you have  reason  to determine that you have made a misrepresentation of material fact relevant to the request to block; c) Transunion has reason to determine that you obtained possession of goods Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed [or request another specific change] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in questionPlease send me all document regarding such record, court documents] supporting my position.] Please reinvestigate [this/these matter(s)] and [delete or correct] the disputed item(s) as soon as possible Thank you.XXXX, XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL 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 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
This falls into the fraud categorie, I was in XXXX  from XX/XX/XXXX and was released on XX/XX/XXXXso somebody use my information to obtain cable tv service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: WI

Complaint narrative:
Navient used high pressure sales techniques to get me to consolidate my loans and take frequent forbearances.  When i asked if there was any down side or reprecussions, they continually said "no".  Come to find out that because I consolidated, I am not eligible to have XXXX  Loan forgiveness, even though I spent 13 yrs. as a XXXX and 5 yrs. as an XXXX in a XXXX XXXX district. They have continually refused to take responsiblity for this and have consistently denied my application for XXXX Loan forgiveness sighting that my loan consolidation makes me ineligible!  Had I known this, I would have never consolidated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
Company closed my account after stating that I was using an invalid address.  After speaking with a representative of the company, I was told that while I had updated my address ONLINE, through the bank's online portal, that this had not updated my address within the bank's records.  So, according to the bank, the address for my online identity was current, however, the address for the credit card account attached to this identity was out of date.  I only use this online portal to access the one credit card, for which I receive paperless statements.   All of my interaction with this company is online, and I updated my address two years ago, when I moved from XXXX to XXXX.  I applied for a new credit card with the same company, however, the new credit limit is less than half of the old one, because (of course) the bank reported my account closure to the credit reporting agencies, and this closure (with a balance) has lowered my credit rating.  I confirmed with an agent of the bank that there was no way for me to know that the address I had updated only effected my online identity and that there was no other means for me to update my address, or to know that my address was not current.  I spoke with representatives at two bank locations, both of whom were defensive and dismissive, while also insisting on their utter inability to help me, whether they wanted to or not.

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 2019-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aqua Finance, Inc.
State: MS

Complaint narrative:
my complaint is for Aqua Finance ; on XX/XX/2019 they repeatedly called my phone at XXXX, XXXX, XXXX, XXXX, and when they called me again at XXXX i advised the person who was calling that i was at work and to please not call my phone any more because that many phone calls in a day is harrassment ( all calls are logged in my phone call log on my cell phone ) ; today, XX/XX/19, they have called me at XXXX and again at XXXX at which time i answered the phone and spoke with XXXX. I told her that they have already spoken to my husband today who has told them he would call them back to make a payment and that i asked them yesterday not to call my number anymore as i am at work and not suppose to be answering my cell phone. I spoke with XXXX, a senior analyst, and he advised me that if I could not verify who i was ( since they called me??? ) then he had no choice but to end the phone call ; XXXX told me they have 5 phone numbers on our account and they call each one 3 times a day. My account is still due for the XXXX payment and this is excessive especially since they had already spoken with my husband today. Please do something about the excessive phone calls we receive from this company regarding payment on our account. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Shellpoint Partners, LLC
State: MS

Complaint narrative:
RE: SHELL POINT MORTGAGE/ NEW REZ        My complaint is against Shell point Mortgage also known as New Rez. I currently hold a home loan with them! My mortgage loan was sold to them (New Rez) back in XX/XX/XXXX. Since my loan was sold to them, it’s been a total nightmare! They claimed my loan payments were late when they weren’t! And I just got with them. They have been calling and calling harassing me as if I’m not making my payments!  When I first connected with New Rez they told me when I could start making payments, which was told to me wrong when I spoke to them in XX/XX/XXXX. They told me by XX/XX/XXXX is when I could start making my payments.  Fast Forward a couple month..  I went to check my credit file, my credit file indicated that I was still with XXXX XXXX XXXX XXXX all the way until XX/XX/XXXX...although payment were going to Shell point.  I also was writing to Shell Point (New Rez) trying to dispute this situation several times and also behind a late payment for XX/XX/XXXX...And need I remind you, I WAS SOLD TO THEM and this is happening. I did not hear back from them at all! After making several attempts to reach out to them, I noticed they have me late again for several months when I was not! When a Loan has been sold to another loan company, consumers are entitled to protection. Mortgage companies have a legal obligation to protect consumers during loan transfers. And I felt like I was not. I did receive a letter from XXXX that my loan had been sold but when I call XXXX, they told me to give NewRez a call. I never received the Transfer notice. So I did call NewRez and that’s when they told me I had time to make arrangements but I still end up getting a late. I was in good standing with my last loan company up until I was given to NewRez (Shell Point)…I am sending copies of the payment History dates that I made payments before the 30ty day late! Oh and why I ended with making payments before a 30ty day late is because how my payments started with NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/19, I called Western Union to get the correct information to wire transfer funds to XXXX XXXX XXXX. I told them they were formerly known as XXXX XXXX so they suggested the transfer to XXXX XXXX. XXXX purchased XXXX XXXX XXXX so they said the information had not changed. Therefore, I sent the funds from a Prepaid MasterCard that isn't re-loadable. When XXXX XXXX did not receive the funds, I called Western Union again on XX/XX/19. I was told at that time to wait until XXXX for them to receive funds that was received on the same day XX/XX/19.  On XX/XX/19, Western Union told me the funds went XXXX XXXX in which the previous representative neglected to tell me. The representative did not read any previous notes regarding the transfer therefore I asked for a supervisor. The representative placed me on hold then the phone started ringing again and rang over 10 -15 mins before I found a Customer Relations number for Western Union. I spoke to XXXX (Customer Relations) and once again no one took ownership of the issue not did she try to assist me. XXXX heard me say supervisor then placed me on hold for 2 -3 mins to get a supervisor. Then XXXX came to line to say you are asking for a supervisor" hold please so I held another 5 mins. Next XXXX (Possibly a supervisor) told me they requested the money from XXXX so I said "I thought it was XXXX XXXXl " then apologized "Oh yes XXXX XXXX. He says they are waiting for permission from XXXX XXXX to get money that isn't theirs. The time frame is 24- 48 hours but it is past 48 hours but XXXX says they have not received permission to take money that does not belong to XXXX XXXX. He stated the refund would go back to the bank... as I stated this card is non-reloadable so he says they would send the funds to a Western Union location. Then I needed to pick up the money from a Western Union destination so I asked about the fee of $XXXX. He stated the funds were sent so I would not get the fee back. That's unacceptable!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
IN RESPONSE TO CFPB: XXXXI RECIEVED NO RESPONSEYOUR COMPANY HAS NOT TAKEN THE RIGHT AMOUNT OF TIME TO INVESTIGATE THIS PLEASE BLOCK THIS FROM MY CREDIT REPORTRespond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
One Main Financial charges extremely high interest rates and none of the payments have gone to principle only interest. I’ve tried to resolve but was only lied to and told a payment would be drafted XXXX days if I set it up - but was actually taken out the next day causing other items to go delinquent.I have received multiple phone calls daily - which should not be happening

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: MS

Complaint narrative:
RE: XXXX XXXX XXXX/ XXXX XXXX        My complaint is against XXXX XXXX XXXX also known as XXXX XXXX. I currently hold a home loan with them! My mortgage loan was sold to them (XXXX XXXX) back in XX/XX/XXXX. Since my loan was sold to them, it’s been a total nightmare! They claimed my loan payments were late when they weren’t! And I just got with them. They have been calling and calling harassing me as if I’m not making my payments!  When I first connected with XXXX XXXX they told me when I could start making payments, which was told to me wrong when I spoke to them in XX/XX/XXXX. They told me by XX/XX/XXXX is when I could start making my payments.  Fast Forward a couple month..  I went to check my credit file, my credit file indicated that I was still with XXXX XXXX XXXX XXXX all the way until XX/XX/XXXX...although payment were going to XXXX XXXX.  I also was writing to XXXX XXXX (XXXX XXXX) trying to dispute this situation several times and also behind a late payment for XX/XX/XXXX...And need I remind you, I WAS SOLD TO THEM and this is happening. I did not hear back from them at all! After making several attempts to reach out to them, I noticed they have me late again for several months when I was not! When a Loan has been sold to another loan company, consumers are entitled to protection. Mortgage companies have a legal obligation to protect consumers during loan transfers. And I felt like I was not. I did receive a letter from XXXX that my loan had been sold but when I call XXXX, they told me to give XXXX a call. I never received the Transfer notice. So I did call XXXX and that’s when they told me I had time to make arrangements but I still end up getting a late. I was in good standing with my last loan company up until I was given to XXXX (XXXX XXXX)…I am sending copies of the payment History dates that I made payments before the XXXX   day late! Oh and why I ended with making payments before a XXXX day late is because how my payments started with XXXX.

Company response to consumer: Closed with explanation