vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have sent a message to the company in charge of comdata. I have explained to them that the atm made a mistake when it dispensed the money i was supposed to receive. I have not heard back from the company and the representatives keep informing me that it would take about 60 to 90 days to resolve my dispute ; please advise they have been taking longer than normal with the disputed transaction

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 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: NY

Complaint narrative:
My credit score dropped by 35 points in XX/XX/2018 and when I checked my credit report it was because of Perfection Collection. They say I owe a debt of {$3700.00} to XXXX for an alarm system that I never ordered. It was a family member that ordered it. I was never told about this debt in time to dispute it and also, it is not my debt. I filed a dispute with the credit reporting agency ( XXXX XXXX ) and I also have a problem with how they handled the situation. All XXXX XXXX did was contact Perfection and asked if the debt was legitimate. Of course Perfection said it was legitimate, surprise surprise, so it was left on my credit report ( what type of shoddy investigation work is that? ). 
I then called Perfection myself and asked them to show me proof that I signed a contract with them. They sent me a typed document with my signature XXXX  at the bottom but, it was in the area for correspondence only. In other words, they wanted to let their affiliates contact me so they had to ask my permission. No problem but, it was for correspondence only and not for signing the contract as the owner. They have the real owners email address and they were sending correspondence to him as they should, not me. 
All of the paper work is XXXX up. The wrong names are in the wrong places and it is costing me. 
Also, we have a completley different document from what they showed me and our document is hand written. Actually it is not even a contract, it is statement of the services they will provide. We do not have a copy of a signed contract because there wasn't one. 
I do not know why but, the sales person wrote mine and my mothers name, ( who, was not even present ) in as the customerr ( I still don't know where he got my mothers name from ). He wrote in the name of my brother, the actual owner, underneath our names as the owner which is correct. 
The contract they sent me has my name typed on it ( not printed by my hand ) and a signature that is not mine ( that is fraud, forgery ). It seems they typed my name and then changed the font to something a little more fancy but it is still not my signature and it does not look like my signature, which I can prove. 
It has been 11 months since this hit my credit report ( XX/XX/2018 ) and I am still fighting with this. 
I need someone that can get this removed. 
The documents I am up loading come with an attached instruction sheet that explains what I am talking about. 
I thank you in advance for your prompt attention to this matter. 
XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I wrote a request to correct the spelling of my name, the correct addresses and the spelling of employer. I mailed out to XXXX, XXXX and equifax XX/XX/2017. I never heard back from anybody. 
I look forward to resolving this. Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX I purchased an item via paypal, which several weeks later had not arrived, no communication from the seller as to why until I chased. I was finally informed that it was no longer available. On XX/XX/XXXX, I requested a lower priced different item be sent. On XX/XX/XXXX I was informed that a refund would be given for the price difference. This has never been done. Despite being provided with all correspondence in regards to this, Paypal has not done anything in regards to issuing me with a refund,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Since XX/XX/2017 I complain to MIDLAND FUNDING regarding XXXX and XXXX that these accounts are not MINE, so I send them so many letters to delete this information from my credit report but the not only ignored my request but they already violated the law of FDCPA and FCRA as still, they are reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I filed an complaint against this company and they stated that they would move this from my credit but instead they are reporting on my credit every two weeks. This is fraud. This company has not honor what they stated in complaint number - XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: TX

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX/XXXX Inquiry from Sep XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX. 
XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: FL

Complaint narrative:
OPINION by experience- I am totally disturbed that I a consumer are being incorrectly by them and third party users hence impacting our ability to get favorable finance and if we do at a usurious rate. I submitted another complaint the other day only to receive a warning from this reporting agency my credit use has gone up! FALSE! Their current report shows balances From XX/XX/XXXX!!!!! They are incorrect and get this lower my use of credit and do NOT increase it as they warned! When I dispute they basically kiss me off with they will wait until the bank posts the correct amount. IF this is not fraud then what is? My score has dropped almost 30 pints on illegal and incorrect processing and it is NOT maintained in a timely fashion. When the XXXX is capability, honor, integrity and ethics going to come to this so called agency as well as yours- protection for who- them? Is it not time you stopped professing something you are 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 2019-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient does not allow access to a monthly statement via their web portal. I am also unable to receive a 30 day loan payoff from my online account. This is deceptive as they do not want you to have this information as you could pay off their loans quicker of shop for more competitive rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
On XX/XX/18 we purchased a home from XXXX 's in XXXX TN, which was financed through Vanderbilt. The house was delivered but not completed by the Seller / contractors. The mortgage company funded the loan anyway, with the statement " the house is on our Property ''. With no check and balances put in place the released the funds. Still to this day we have work to be done, damages. We are paying the lone since XX/XX/18 faithful with no resolution. I will attached documents in referance to the issues we having.

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX These are all chapter XXXX and chapter XXXX thats being reported fraudulently on my credit report and I have reached out to them on multiple occasions to delete they deleted the names put a zero for balance and never removed from credit file XXXX. XXXX reference numbers XXXX XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Also this is a fraudulent acct I have contracted them about also

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 2019-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
OPINION by experience- I am totally disturbed that I a consumer are being incorrectly by them and third party users hence impacting our ability to get favorable finance and if we do at a usurious rate. I submitted another complaint the other day only to receive a warning from this reporting agency my credit use has gone up! FALSE! Their current report shows balances From XXXX!!!!! They are incorrect and get this lower my use of credit and do NOT increase it as they warned! When I dispute they basically kiss me off with they will wait until the bank posts the correct amount. IF this is not fraud then what is? My score has dropped almost 30 pints on illegal and incorrect processing and it is NOT maintained in a timely fashion. When the XXXX is capability, honor, integrity and ethics going to come to this so called agency as well as yours- protection for who- them? Is it not time you stopped professing something you are NOT?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash app what is the app and my dispute is a girl was over my house I was passed out sleeping she took my phone and locked it and transferred money from my Cash App account onto hers I tried to get my bank involved they told me to go to Cash App cash app tells me to get my bank involved now Im just going back-and-forth with both companies trying to get my money back that was stolen from me Ive been going back-and-forth with them for about a week and a half Street and its not right because I have the date the time of the transaction The girl sent it to her own cash app and multiple other attempts she got away with my total was {$170.00} taken from my account On XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I applied for a Citi checking account in late XX/XX/XXXX. I applied under a bonus ( promo code XXXX ) that was being run for 30,000 XXXX XXXX miles if specific actions were fulfilled. I have used the secure chat function with Citi multiple times and been given answers which were never fulfilled. I will document those answers below and have screenshots of the conversations if ever needed. 

On XXXX, Citi chat representative XXXX informed me that I correctly signed up for the bonus promo code XXXX and ensured I understood the required actions. 

On XX/XX/XXXX, Citi chat representative XXXX confirmed that I had completed all actions as of XX/XX/XXXX and would receive my 30,000 bonus miles on or before XX/XX/XXXX. 

On XXXX, Citi chat representative XXXX again confirmed that I had completed the required actions and should have received the bonus. He opened case # XXXX to be reviewed by a Citi team so that my bonus would be paid. He stated I would receive an emailed response in 1-2 business days which never came. 

On XXXX, Citi chat representative XXXX checked on my case # for an update. She asked me to recheck as she believed the miles would have been input ( but they haven't ). She refused to provide a timeline as to when to expect resolution and stated that the 1-2 days would be after the team was able to investigate the issue. I informed her I would wait another week until filing a CFPB complaint if I didn't hear any response from Citi. 

This complaint is being filed on XXXX which is one month after I was told the bonus miles would be given to me. I have reached out over and over, but Citi has yet to ever contact me in response to the account or specific case #. Citi has not fulfilled their obligations as promoted in promo code 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 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The debt was discharged in chapter XXXX Bankruptcy in 2014. 

I have tried calling collection agency, phone number is not valid, I have called the client that the collection agency is collecting for, they have stated I have no account in their collection or open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
This is a work-mans comp case that was PAID by my work. Date of Injury : XX/XX/2018. I was contacted by health care facility ( XXXX XXXX XXXX ) several times regarding this issue, than I passed on information to my work-mans claim dept. Not sure why it was forward to collection, but it eventually showed up on my credit report. I have spoke to my work-mans claims reps several times regarding this issue and was provided with the following documentation to support this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 I was making a purchase at XXXX XXXX. My Chase debit card was denied. The XXXX XXXX cashier stated they were having a nationwide glitch with all there credit card machines. So she instructed me to try it again, so I did and it declined again so there supervisor came and cancelled the order. i saw that the transactions were pening on my bank acount. XXXX XXXX said they would drop off at the end off the day. I checked the next morning and it had posted to my acount as final purchases. I then contacted my bank and filed a claim with them. I followed up after 2 days and they said it was investigated, and denied. the bank said I would have to go through the comsumer to retreive my money. I contacted XXXX the XXXX XXXX XXXX again, he told me he couldnt do anything because they have no record of recieving any funds from my bank card, because the transactions were cancelled. There were no funds recieved. I then disputed the claim at chase, a few days I followed up and I was told it was denied again. My total bill was {$300.00} I was charging {$100.00}. on my home depot card, so it left amount of # 1 {$220.00} thats with {$20.00} over. it declined, so I ran it again with with no $ over. # 2 {$200.00}. I need some help retrieving my Money. Im getting a run around from both Chase Bank, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander was my first auto loan distributor and when I got a car through XXXX XXXX, Santander was paid the remaining of my balance I owed in full. On my credit report Santander still shows up as a potential negative inquiry and I thought Santander would be deleted from my credit history once they were paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I went through a payday company called XXXX XXXX XXXX which is now defunct by the Federal Trade Commission. I received my letter from said company stating I successfully completed the program. I applied for a loan and was denied because I had a payday loan company that is now showing up on my credit report as not being paid that was including in my XXXX program. I don't know what to do this loan is over XXXX XXXX XXXX I do believe. It is Cashnet USA or XXXX. I did receive a phone call from them when I finished the payday program and I explained to them about the program and gave them the information to contact them because they said they were not notified by them. I have sent gotten rid of all my documentation except the letter provided below. How or can I get them to take the debt off my credit report? If not how long can a payday company keep said debt on your record, considering I paid a company to make payments to them. 

Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This is my 2nd dispute with XXXX XXXX XXXX through the CFPB. XXXX XXXX XXXX is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines.XXXX XXXX XXXX response to my complaint was completely false stating " Our office is in receipt of the complaint filed by Ms. XXXX XXXX. We greatly appreciate the opportunity to respond. Contrary to Ms. XXXX assertion, please be assured that we did send her correspondence. We have no reason to believe she did not receive our letters because the letters were sent to the same address listed in her complaint and not returned by the post office as undeliverable. Furthermore, please be assured that we never received any request from Ms. XXXX for validation of the debt. Notwithstanding, we have placed this account on hold and requested verification of the account from our creditor-client. We will send the documentation from our client to Ms. XXXX if and when it is received. We trust this resolves your concerns. '' I find it outrageous that XXXX XXXX XXXX take such stance without providing documentation & a signed contract as requested. Additionally, XXXX XXXX XXXX is still reporting this derogatory account to my credit bureaus. Next step is litigation & pursuit of monetary damages for violating my rights. I have documented all my efforts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: TX

Complaint narrative:
An account showed up on my credit reports new as of XX/XX/2019 that is not mine. It is with XXXX XXXX. I never opened this account and when I call the company and give them my ss number they say I do not have an account with them. I have disputed this account with the credit agencies like Experian and XXXX XXXX to take it off my report but they refuse to.

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