vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency, XXXX XXXX. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account, during the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: PA

Complaint narrative:
I am working on rebuilding my credit to become a home owner again. There are two hard inquiries reporting on Equifax that I do not recognize. I am not sure who to contact because it describes it as XXXX Miscellaneous Reptg. Agencies. Once on XX/XX/2018 and once on XX/XX/2018 from the same company. I do not remember giving anyone permission to pull any credit report this year at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar appears to not be answering when letters were sent to them. A Notice of Error was sent with Certified Receipt and no response came back. The last 3 months, " New Evidence '' was provided by a Federal Agency that shows that a wrong claim is being represented. This pertains to XXXX having already said they were only lender/beneficiary and had accelerated this note in XX/XX/XXXX. 

The SEC states that the named Trust is Terminated. It was taken back to XXXX XXXX XXXX to which they said that the " Assignment in XX/XX/XXXX '' is a MISTAKE. And that Trust could not have been assigned to XXXX 's note. XXXX also had caused a NOD in XX/XX/XXXX ' Solely naming XXXX. There was no such Trust as being named that Nationstar says they work on behalf. I think that " XXXX '' had transferred to Nationstar a Note that was time barred as of XX/XX/XXXX, Exceeding the CA COMM CODE 3118. No ENFORCEMENT RIGHTS REMAIN. However, Nationstar will not answer this topic. 

And the Attorney firm XXXX XXXX XXXX   was also provided " Certified Mail '' and a Demand to Release this Lien as per CA Civil Code 2941. et seq. XXXX XXXX XXXX agreed all 3 of my properties were in fact time barred and past the Statutes. 

XXXX XXXX is not answering either and stated that Nationstar will answer. Neither one is answering me on this very important topic. This can lead to stealing property from another and which I think that is what they are trying to do. They will not look at the facts. 

I am asking to Please answer the requirements of which were sent in the mail. Proof of receipt and yet they continue to state they will be answering. I am waiting for the confirmation of the Release of the Lien. This has been twice time barred. Over 12 years and stale debt being claimed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank charged my account for three overdraft fees totaling {$100.00} when I had enough funds to cover all posted debits, except for one. I think I should be refunded {$68.00} dollars. These transaction occurred on XX/XX/2018. As I review, all debits were covered except for check XXXX, which did not post until the following day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-18 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: TX

Complaint narrative:
I received calls and letters from XXXX XXXX XXXX stating that four checks were written by me that were returned for STOP PAYMENT. I did not write these checks to XXXX XXXX XXXX. and nor do I live or shop in the city of this store. Additionally, the name used on these fraudulent checks is not my legal name. 

I have responded in writing and sent certified mail to XXXX. They continue to harass me with ongoing letters demanding payment in full. Here are the details of these fraudulent checks : Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$820.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$980.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$1500.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$1200.00} Reference # XXXX Note - I have filed a police report and contacted the credit bureaus about this matter. Any assistance that can be provided is greatly appreciated.

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 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The situations selected are not actually my situation. I selected the closes match. I filing this complaint against Pentagon Federal Credit Union for issuing 2 money market Certificate to the wrong address and they were cashed by some unknown person. I have been working with Pentagon for last 4 mos.trying to obtain images of the cashed/paid checks but no luck so this why I am contacting you. I am trying to find out why would Pentagon issue this checks when they matured without confirming with the owner. I requested to see the check images and know where the checks were sent but no luck because they said this occurred too long ago. On XX/XX/11, I opened a total of 9 money market certificates worth over $ 30k for my children, nieces and nephews on behalf of my terminally ill mother, who's last request was to leave some money for each of her grandchildren so she asked me to obtain certificates. All but 2 of the 9 received there money when the certificates matured. In the meanwhile, my nieces are out of their money because of their error/negligence. This is just coming to light because one of the owners ( my niece ) asked for her money and recently had twins. Certificates were opened XX/XX/11 and paid XX/XX/11 starting value {$2000.00}, 7 years term.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am complaining and providing extensive evidence that Equifax is incompetent as a repository of records and that evidence shows personal financial damage to me, that equifax automated computers do not function and that equifax can not do basic functions as required by FCRA and other laws.

I disputed XXXX XXXX XXXX ; ACCOUNT NO XXXX  for the incalculable many times. ( confirmation # XXXX ) I am providing two previous dispute results XX/XX/2018 confirmation noXXXX and XX/XX/2018 confirmation number XXXX.

BOTH OF THE RESULTS LIST THE ACCOUNT NUMBER AND SAY THAT THIS ACCOUNT IS NOT ON MY REPORT WHEN IT IS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All three of the major credit reporting agencies ( XXXX XXXX, XXXX and Experian ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX  when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?

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 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX a medical account was sent to collections and I had just recently seen that this was something new to my knowledge. I have served in the XXXX XXXX XXXX  fromXX/XX/XXXX-XX/XX/XXXX and had XXXX XXXX that covered my expenses and fees. This is something that I have tried to work out with this company prior. It has been years since and have not received any positive changes towards this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I have a current car loan out through Global lending services since XX/XX/XXXX when I purchased the used car. I have kept up with my payments every month. Regarding a payment made on XX/XX/XXXX I paid my full months balance of {$410.00}. This payment was due on XX/XX/XXXX which there is a 15 day grace period which this payment was in. I just aid with my XXXX XXXX XXXX debit card and have a confirmation number from global lending services website where I make payments. The payment also posted on XXXX XXXX XXXX end on XX/XX/XXXX. Didnt have any issues with all that til now. NowXX/XX/XXXX global lending services says my bank reversed the payment from XX/XX/XXXX and I went through my whole account dating back to when I first purchased the car XX/XX/XXXX and that payment was not reversed. Its posted on XXXX XXXX XXXX  end and I can print those transaction details. That payment was made to global lending services, and they wont hold my account or anything til we can get this resolved. They just put the payment back on my account no questions asked, and now claim Im 31 days past due which will effect my credit score Ive worked so hard to keep up. Ive paid them religiously and this wasnt something I agreed for XXXX to do and I didnt hear from GLS about that payment. They just put it on my account and XXXX XXXX  my credit because they did something and cant show proof anyone asked for those funds. I asked for some kind of notification the bank requested those funds, they said they have nothing like that, that they only have my payment history with them that shows that payment is reversed. Thats not helpful I want to know who said I agreed to let that payment reversed. This is just another way for them to XXXX  people out of more money. This needs to be resolved with my payment being put back on my account and my credit history and payment history unaffected. Ive also included the screen shot of the page and confirmation number for payment to GLS, Breakdowns and statement views of around XX/XX/XXXX as well as recent screen shot of recent activity on my account to show I have not received that payment back from XXXX. This needs to be fixed quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. Trans union aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/2018 I recieved a direct deposit of {$5.00} that brought my account to {$10.00}. On that same day I made a purchase of {$6.00} aXXXX XXXX. The bank charged me a overdraft fee because they say I didn't have enough funds, but I did. When I asked why they charged that overdraft fee they didn't have a reason for it. It took them two days for them to get back to me with a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Our remittance of US {$170000.00} from XXXX dated XX/XX/2018 still not received by Beneficiary. The Fund remitted from XXXX To XXXX XXXX - via USA.

But HSBC USA holds the fund from more then a month without any intimation to us. Pls find herewith attached SWIFT copy of remittance for your reference & follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. XXXX XXXX aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. XXXX XXXX aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Daily Poryfolio Recovery calls me to harass me over a bill that is almost 10 years old Called XXXX  Gas Card I tried to pay once and they said it was purged so they gave me my money back That they would not sue me for the debt because the debt was so old, and yet they call me practically every day morning noon and night from random phone numbers and different states always on a recorded line to harass me over this Very Old purges Debt they gave me my money back!

Personally I feel the harassing me because when I tried to call and pay it again, They would only lower at 10 % Which I had another bill they lowered 60 % That I completely paid off called XXXX XXXX  I paid {$1500.00} for that one that was at {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
HHgreg/SYNCB/SYNCHRONY : This was a debt that my ex-husband applied for in my name. With going through a tumultuous divorce, I didn't know anything about it until a few years ago when I tried to repair my credit then and offered them {$1100.00} and they said NO.. they wanted the full amount of {$1900.00} and threatend to hire and attorney and take me to court. Shortly after I lost my job, I was in a hardship from my divorce, not getting child support or alimony to help with bills.and then losing my job and my mom passing in 2014, I wasn't able to work for a year.

I would like to ask that this be forgiven and removed from my credit report being it is now with a third party collections as a Charge-Off, original debtor has already been paid. Please forgive. 

I'm now a single mom of XXXX young kids and have not received any notices from them and the matter has been charged off for some years now. This is hindering me from securing a home for me and my kids, lower insurance and just live a better life for my kids.

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 2018-07-18 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: CA

Complaint narrative:
All three of the major credit reporting agencies ( Trans Union, XXXX and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?

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 2018-07-18 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: CA

Complaint narrative:
All three of the major credit reporting agencies ( XXXX XXXX, Equifax and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I been trying to dispute with experian about the XXXX XXXX account. This account has been sold to XXXX XXXX collection agency and has written their tax off. XXXX XXXX already has collected the debt and is satisfy. Therefore I have no contract with them. This item need to be deleted. 
Thank you

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