vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 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 — Was not notified of investigation status or results
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
i send southern credit recovery a money order on XX/XX/2020 as long with a letter to notify when they recieve the letter and money order to remove this item from my credit report.i have the copy of the money order in full for the item and would like for it to be remove quickly because it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have had an account with PayPal since XXXX and this account had never reported to any credit bureau. In XXXX of XXXX at 60 day late payment was reported to all 3 credit bureau and I was NEVER notified of this change. I had no idea that Synchrony Bank had purchased Paypal and would start reporting to the credit bureau. 

I believe that Synchrony Bank did not do a good job at notifying its Paypal customers that they were going to start reporting. My account has been closed since XXXX and had recently been paid in full. Now that this late payment has been reported, I can not get the financing needed to purchase a car and a home. This had put major stress on my family and I believe the late payment should be removed. 

They did not appropriately notify their clients of this change and this is not right. I never received an email or anything in the mail pertaining to this issue.

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 2020-02-06 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a form MC-012 from an attorney from an attorney representing Midland Funding, XXXX XXXX XXXX XXXX, State Bar no. XXXX, Midland Funding, XXXX XXXX XXXX  XXXX  XXXX, # XXXX, XXXX XXXX, CA XXXX, on XX/XX/XXXX, ( XXXX County Court case no. XXXX ). In that form, the attorney claims that I still owe Midland Funding {$520.00}. It also states in that letter that I have already paid {$2800.00}. I called Midland Funding at ( XXXX ) XXXX, on XX/XX/XXXX. The person that I talked to ( XXXX ) said that I have already paid {$3400.00}, but that I still owed {$560.00}. As you can see, there are discrepancies in these amounts. The second person that I talked to at Midland Funding also said that I had paid and owed the same amount as the first person that I talked to. I went to XXXX XXXX  to inquire about the credit card acount in question. The manager at the XXXX XXXX CA, XXXX XXXX said that the credit card debt had been settled for {$2900.00}, but couldn't give me an exact date ( I believe this was in XXXX ). I believe that I paid this debt at least 6 years ago, and these guys have tacked on additional principal and interest, and are trying to collect on an old debt that is definitely older than 4 years ( statute of limitations is 4 in CA ). I also visited the XXXX County courthouse in XXXX XXXX, CA, and the clerk said that this document ( MC-012 ) had been filed back in in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld Systems violated my consumer rights. A representative from Transworld Systems whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that XXXX XXXX  is currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay Transworld Systems. I did not know that a representative from Transworld Systems could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called XXXX XXXX to verify their " tax season promotion '' and XXXX XXXX XXXX representative ( # XXXX ) stated this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Key 2 Recovery, Inc.
State: KY

Complaint narrative:
After I questioned the company 's process on settlement of my debt, the representative snapped back at me, cutting me off, and telling me that I was rude and disrespectful, then hung up. ( After I called the collector and made a generous offer to settle my debt which was immediately not entertained. ) I immediately felt harassed and lied to about my own behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
I have paid the debt of XXXX to M Leonard and assoc. about 4 months ago. I have spoken to a XXXX XXXX at the company whom has been no help. according to her my paid debt can not be removed because she says I made an arrangement and did not keep it. I did call back to pay the debt in full and made the payment. They were very nice taking the payment and had mentioned it will fall off my credit report as paid. I assumed that was to be removed. Now because of this still showing on my credit report as a paid collection I can not live the American dream and purchase a home for myself and 3 kids. I have attempted and pleaded with this company to have this removed and they will not and in turn are always snarky and rude. I have called XXXX XXXX group which is the original creditor and they wish they can hekp but since it has been sent to leonard and assoc they are unable to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My mortgage is with PHH Mortgage I received a call from the mortgage company the week of XX/XX/2020 stating my modification was approved and I would receive the modification trial payments in the mail. I have not received the modification trial period in the mail and there is a property foreclosure sale date set for XX/XX/2020. 
I have not received a foreclosure notice for this sale date. The Tennessee law says I am suppose to receive a 30 day notice before the foreclosure was set of which I have not received a foreclosure letter..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
I attempted to renew my vehicle registration and was advised by the DMV that there is a hold on my registration due to a debt owed. DMV referred me to XXXX XXXX XXXX XXXX who then referred me to Professional Account Management Collection Agency. 

I was told I owe {$160.00} for a bridge toll back from XX/XX/2018. I advised them I never received any notification or bill for this. The representative confirmed this by telling me she can see in my file that the mail was returned. I confirmed my address is correct but am not sure why the mail was returned. She also confirmed that over {$120.00} of the debt owed is for fees. 

Naturally, I was appalled to learn that I am being charged over 1000 percent markup in fees for using a bridge once. I don't even recall using the bridge because I have my GPS set to avoid toll roads but even if I did, it is quite surprising and disturbing to pay {$160.00} for one toll, especially when the collection agency confirmed I did not receive any notifications or bills. I also did not receive any phone calls or voicemails. 

I asked if there was any way to reduce the amount of fees and I was told they can not reduce it in the slightest. I also tried calling XXXX XXXX XXXX XXXX directly and they were extremely rude stating because their records showed they mailed me something once almost two years ago that there was nothing that could be done. She kept directing back to the collection agency who told me they couldn't do anything either. 

Now, I am in a position where I can not register my vehicle and do not have enough money to pay the full amount. Sadly I have run into quite a few people who have told me they have or are currently experiencing the same issue. 

It is very clear XXXX XXXX XXXX XXXX as well as their collection agency are taking full advantage of customers/citizens by price gouging over 1000 % off of one toll and by putting holds on people 's vehicle registrations, forcing us into very compromising situations so they can make a profit. Where is the money going they are making in fees on a regular basis? 

The fact also still remains, as the collection agency confirmed, I never received any notice of the debt, nor did I receive a right to dispute notice or a breakdown of what I am being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A on authorize hard inquiry was made on my Equifax credit report by XXXX XXXX on XX/XX/2018. I have contacted XXXX XXXX as soon as I received the alert. I was told someone was trying to open an account but the information was incorrect so the account didnt go through. I was told the hard inquiry removed but it is still on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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 belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  XXXX XXXX REQUESTED ON XX/XX/2020, XX/XX/2020 XXXX  XXXX  XXXX VIA XXXX XXXX REQUESTED XX/XX/2020 HXXXX XXXX XXXXL VIA XXXX XXXX XXXX REQUESTED XX/XX/2020 I HAVE NEVER DONE BUSINESS WITH THE COMPANIES LISTED ABOVE, DIRECTLY NOR INDIRECTLY .I LIVE IN FLORIDA WHICH I IS REFLECTED ON MY 2 CREDIT REPORTS ( WHICH XXXX  WOULD NOT LET ME REQUEST ) ACCOUNT HOWEVER I AM NOT AWARE I HAVE MADE A COMPLAINT AND I WILL BE CALLING DIRECTLY IT WAS PREVENTING ME FROM GETTING PROPER HOUSING. MY NAME IS XXXX XXXX PLEASE REMOVE ALL THE MIS SPELLING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I currently have z title loan through XXXX the loan is for {$5000.00}. They are charging me 136 % apr. And {$600.00} a month payments. I called them on XX/XX/XXXX to speak with a account manager to restructure my loan due to California changing intrest caps on predatory loans. The loan was opened in XX/XX/XXXX the law changed on XX/XX/XXXX. The company refused to change the amounts making this near impossible to lay off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is the sixth request for my credit report. One of the associates said it was complete and sent me a letter showing it was completed and sent another letter asking for more information. I had previously sent them a drivers license and social security card but they wanted more. I am not employed anymore but retired. So how can I send them an employment certificate. Now they want a birth certificate. I was not born here but I sent them all they needed to release the FREEZE on the now sent another letter for kids certificate. I do not have any kids and who the XXXX said I had kids for you to be asking for certificates and a copy of my report you sent to me. I will send you a copy of legal action in the next letter and will be my last letter to you if want to play games.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
A third party debt collector placed a debt unto my infant trust name claiming that i owe them money for a debt owed to a different company i have disputed before. I have asked them to provide a copy of the original agreement and contract or the debt itself rather they have produced only a series of made up bills. The bills do not look like something I've been involved in. According to the FDCPA and UCC law as well Cal Civ Code 1401 states that in similarity that there must be evidence of the alleged debt and it appears that they only have my mailing address and nothing has been provided by this company whom I've made attempted to call and speak with them on two occasions and nothing comes from it. 
Ive been told by an employee that the person i was to speak with wasn't in their office and I've called back and I've gotten the same response. This company does not have my proper mailing address and they've presented only bills. I have not had a XXXX  account in over a year now and nothing is making sense about this matter.

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 2020-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
XXXX XXXX violated my consumer rights. A representative from XXXX XXXX whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that GM financial is  currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay XXXX XXXX. I did not know that a representative from XXXX XXXX could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called GM financial to verify their " tax season promotion '' and GM financial 's representative ( # XXXX ) stated this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CT

Complaint narrative:
Experian/XXXX  refuse to remove XXXX  and XXXX  XXXX XXXX inquiry from my credit remove

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 2020-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A on authorize hard inquiry was made on my XXXX  credit report by Capital One on XX/XX/2018. I have contacted Capital One as soon as I received the alert. I was told someone was trying to open an account but the information was incorrect so the account didnt go through. I was told the hard inquiry removed but it is still on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 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: ID Analytics, Inc.
State: CT

Complaint narrative:
XXXX/sagestream refuse to remove XXXX  and XXXX  XXXX XXXX inquiry from my credit remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company I am complaining about : Experian Mismanaged product offered : Credit Freeze Problems caused by Experian : unable to obtain or increase credit. 

I cancelled a credit freeze at Experian prior to last XX/XX/2019. On their website, it confirms that I do not have a credit freeze. However, this is not the experience when I interact with vendors, creditors, banks. I recently attempted to increase my credit card limit with XXXX. They told me they could not proceed because I still had an active credit freeze with Experian. I ran into a similar situation for months last year attempting to get credit approval to subscribe to a new XXXX XXXX XXXX Internet service. 

Experian needs to fix this situation by truly cancelling the credit freeze on my account so lenders, creditors, suppliers have access to my credit information and approve any related transaction. Just showing that my credit freeze is not active on the website does not mean anything if their internal system do not reflect the same situation.

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