vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Over the past few months, XXXX XXXX has sent me letters telling me to pay them {$220.00}  because they 're claiming PayPal can not sue me for debt. I have asked PayPal for proof that I have any outstanding debt with them and they have stated no. I called XXXX and the moment I said I had called PayPal for proof they hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
XXXX {$19000.00} disputed this car loan with XXXX XXXX automotive and even went as far as obtaining legal representation to have this loan that isnt mines removed from my credit report. XXXX XXXX deleted it and reported it back on my credit which has resulted in lowering my fico with a false credit reporting that doesnt belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just checked my credit score on credit karma and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
I have tried to work with Planet XXXX XXXX. I have a XXXX child that requires constant care. I went for help and they filed a Chapter XXXX bankruptcy for me to help me but I want to keep my home. I just started a full time job and had to wait for proof of income. to give to Planet XXXX XXXX. I received a statement stating what my new payments were. I made the payments they sent them back to me. 

I am trying to correct what is wrong. Make a XXXX just installed a XXXX to help with my daughters therapeutic and mobility so that at some point she might be able to move some parts of her body. 

I am looking everywhere for help. Please help me! 
I am working and my new boss is doing all that he can to help me. 
please save my home from foreclosure scheduled for XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just checked my credit score on XXXX XXXX and XXXX is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called XXXX to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.

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 2017-11-07 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: NY

Complaint narrative:
I just checked my credit score on XXXX XXXX and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.

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 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
XXXX XXXX, 2017 To whom it may concern : I am filing a complaint against : Gold Key Credit , IncXXXX XXXX. XXXX XXXX, XXXX, FL XXXX Not only have they failed to furnish me with a signed contract of monies they say I own, they continue to put remarks on my credit file. I have sent several certified register letters to them asking for signed contract of debt. They have only sent me information typed on paper as well as computer generated invoice from their company. I have called many times only to be disconnected after waiting for long periods of time. When I have gotten through which was only once, they were rude and told me to pay it. Not giving me any information to why. I also sent information to all three credit bureaus, suppling information about the company in question. XXXX has not been so forth coming, saying that they have spoken with and validated information to be true. Yet I still have not received any evidence to prove that fact. I have been turned down for multiply credit opportunities because of this erroneous information that Gold Key continues to put on my credit report. Not to mention they say they have all the personal information they need! Need for what? My credit has been stolen in the pass and they also had all the personal information as well, that doesnt make it ME! Not only was I not in town for the two months of the date in question, but my oldest son, Great Uncle and God father all have the same name as me and two of them lived with me at one time or another. 

I would appreciate any help in this matter would be great. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: POPULAR BANK
State: NJ

Complaint narrative:
When I opened the account I inquired about when the $ XXXX deposit had to be made in order to qualify for the XXXX bonus. I was told it had to be made within 60 days of accounting opening and it was not mandatory to be made all at once. I followed up on XXXX/XXXX/XXXX with the online banking department and they could not confirm if or when I would get the bonus.

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 2017-11-07 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax never gives me a free credit report. I try every year but for some reason I always have an issue. The only way I 'm able to get it is if I buy it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX, # the Following Crimes have happened to Me Financialy Losses # My 1st Report is = Transunion Credit report = this Transunion account shows a Criminal Acts, that were Theft & Fraud, Embezzlements, etc More. 
on the issues of = Loans, Advances, Lines of Credit, credit cards, etc made in my Name ID, CDL, SSN, Adress & Pictures and mayby more Not Telling  from Criminals were the Real Estate Targeted Places were Transacted for Crimes = IRS.gov property Tracers from Cyber or Phone # Transunion # XXXX XXXX XXXX, svcs web bank # XXXX,,, XXXX. XXXX XXXX, XXXX, tx XXXX XXXX credit limit = XXXX $ # balance = XXXX $ I know for a fact this computer was tampered with by the fraud & thefts accounts on my reports, plus it kept getting hacked into by cyberv criminals, I told the security, softwareof this and XXXX, I will report it to the cfpb, and all retaining docs, not saying I, m not paying but, what part do I pay at the end of your investigations help? date opened = XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I would like XXXX XXXX to help also in full with this issues please. 


2 # XXXX XXXX XXXX # XXXX,,, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX, XXXX,, creditor =XXXX XXXX XXXX {$640.00} $ Balance, =balance = due = XXXX $ very weird amount error?,, dates are wrong on opening, and closings = date updated on XXXX, XXXX # XXXX XXXX # XXXX,,, = XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ia, XXXX,, opened = XXXX/XXXX/XXXX ending date = XXXX/XXXX/XXXX,,, type unsecured credit XXXX XXXX, owing due = XXXX $ date closed = XXXX/XXXX/XXXX,,,, past due = XXXX $ XXXX. 


4 #, Attn this is all for my Transunion Reports # Financial Losses, Please Tell me who should I go to to Calculate Banking Loss $ Gas $ Time % $ Mental Anxiety, Wear Tear on Car Mileages Please,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zakheim Law Group, P.A.
State: GA

Complaint narrative:
What happened? 

I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX ACCT # XXXX ) THAT WAS CHARGED OFF IN XXXX OF XXXX. IT WAS PURCHASED BY XXXX XXXX XXXX ( FILE # XXXX ), AND WE REACHED A SETTLEMENT AGREEMENT OF XXXX. XXXX TOOK THE FUNDS FROM MY CHECKING ACCOUNT, ( 6 DRAWS OF XXXX AND 4 DRAWS OF XXXX ), BUT DID NOT SEND A SETTLEMENT STATEMENT. THREE YEARS LATER I RECEIVED A LETTER FROM ZAKHEIM XXXX XXXX, ( FILE # XXXX ) WANTING A SETTLEMENT FOR THE SAME ACCOUNT. I REQUESTED THE SETTLEMENT AGREEMENT PAPERS FROM XXXX BUT WAS TOLD XXXX NO LONGER HAS XXXX AS A CLIENT AND THEY DO N'T HAVE THE DOCUMENTS. I CONTACTED XXXX AND WAS TOLD THAT XXXX RECEIVED THE ACCOUNT ON XXXX XXXX, XXXX. THEY WANT TO SUE FOR THE SAME AMOUNT AS XXXX. ( XXXX ) THEY REFUSE TO ACKNOWLEDGE ANY PAYMENTS AND XXXX WO N'T SAY WHERE MY PAYMENTS TO THEM WERE APPLIED AS I WAS PAYING THEM 6 MONTHS AFTER THE CHARGE OFF. I WAS THEN TOLD OF THE LAW SUIT FILED AGAINST XXXX FOR THE SAME THING AND DURING THE SAME TIME FRAME. THE ACCOUNT WAS SOLD TWICE. FIRST TO XXXX AND THEN TO XXXX ( AKA ZAKHEIM AND XXXX ). WHAT HAPPENED TO MY SETTLEMENT WITH XXXX AND ASSOCIATES AND ACCORDING TO THE LAWSUIT, XXXX CAN NOT SELL THE SAME DEBT TWICE. EVEN THE COURT DOCUMENTS LIST MY XXXX PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
What happened? 

I HAD A CREDIT CARD ACCOUNT WITH CITIBANK ( ACCT # XXXX ) THAT WAS CHARGED OFF IN XXXX OF XXXX. IT WAS PURCHASED BY XXXX XXXX XXXX ( FILE # XXXX ), AND WE REACHED A SETTLEMENT AGREEMENT OF XXXX. XXXX TOOK THE FUNDS FROM MY CHECKING ACCOUNT, ( 6 DRAWS OF XXXX AND 4 DRAWS OF XXXX ), BUT DID NOT SEND A SETTLEMENT STATEMENT. THREE YEARS LATER I RECEIVED A LETTER FROM XXXX AND XXXX, ( FILE # XXXX ) WANTING A SETTLEMENT FOR THE SAME ACCOUNT. I REQUESTED THE SETTLEMENT AGREEMENT PAPERS FROM XXXX BUT WAS TOLD XXXX NO LONGER HAS CITIBANK AS A CLIENT AND THEY DO N'T HAVE THE DOCUMENTS. I CONTACTED CITIBANK AND WAS TOLD THAT XXXX RECEIVED THE ACCOUNT ON XXXX XXXX, XXXX. THEY WANT TO SUE FOR THE SAME AMOUNT AS XXXX. ( XXXX ) THEY REFUSE TO ACKNOWLEDGE ANY PAYMENTS AND CITIBANK WO N'T SAY WHERE MY PAYMENTS TO THEM WERE APPLIED AS I WAS PAYING THEM 6 MONTHS AFTER THE CHARGE OFF. I WAS THEN TOLD OF THE LAW SUIT FILED AGAINST CITIBANK FOR THE SAME THING AND DURING THE SAME TIME FRAME. THE ACCOUNT WAS SOLD TWICE. FIRST TO XXXX AND THEN TO XXXX ( XXXX XXXX AND XXXX ). WHAT HAPPENED TO MY SETTLEMENT WITH XXXX AND ASSOCIATES AND ACCORDING TO THE LAWSUIT, CITIBANK CAN NOT SELL THE SAME DEBT TWICE. EVEN THE COURT DOCUMENTS LIST MY XXXX PAYMENT.

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 2017-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
the car that was bought in american honda was NOT me.i never bought that XXXX XXXX XXXX nor did i ever apply for credit! PLEASE understand that i never gave anyone permission to buy any purchased or use my name for any reason at all! the service i reserved on behalf of american honda was truly disrespectful from the management team from from store XXXX XXXX XXXX n.j ... ive been seek for help and i feel like im in not getting no result! ive tired just about everthing please help me get some answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
In XXXX my mortgage was transferred to PNC Bank. We were completely in the dark during the transfer and then notified we were late on our first payment with them. Prior to this, we had never been late on a payment before and with several other banks that have owned our mortgage loan. I have since been on the phone with a representative of this institution every single month due to an incredible level of negligence and incompetence. We set up auto pay the second month, XXXX, but we 've been notified of late payments every month because they fail to draft a payment. I call again, I express my problem and my frustration, they apologize, they correct their mistake, and then we do it all again the next month. We 've tried setting up a Bi-Weekly Draft Program twice now and both times they have failed. I just received a letter in the mail today, XXXX XXXX, informing me that " I '' did n't meet the payment deadline and therefore they ca n't set up bi-weekly payments. Their administrative oversights are consistently constant. I have not seen a single bit of evidence that their staff has successfully completed any task in regard to the management of my mortgage. Beyond this, their customer support is the most toxic I have ever encountered in any form of business I have ever encountered in my life. To properly gauge this comment, PNC Bank customer support is worse than a cable provider. They are openly rude, condescending, and overall hostile to me every time I 'm on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Oklahoma Student Loan Authority
State: GA

Complaint narrative:
My loan repayment has a due date of the XXXX but there is a 10 day grace period for late payments. I make my payments on or around the XXXX no later than the XXXX of the month. I continuously get back to back calls from their customer service center. The calls start at XXXX and end at XXXX : XXXX EST. On XXXX I was called at XXXX : XXXX and my payment has been paid for the month with the payment for next month XXXX XXXX XXXX scheduled in the system. I am tired of being harassed for the payment when I 'm on a payment plan. I 'm doing the best I can. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: TX

Complaint narrative:
I XXXX XXXX sent Equifax a request of a dispute on an item over my credit report That dose not belong to me. and Equifax kept sending leters stating XXXX XXXX inquiry is a factual record of who accessed your credit file ) I called Equifax. and after I was on hold for XXXX hours finaly someone answers and says to me the same thing. 
XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX was a factual record of who accessed my credit file. 

EQUIFAX does not want to investigate and show me proof that its mine. I have never applied for a mortgage loan or a loan or done business with XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX. im asking you CFPB to help me fix my problem. as im not going to stop fighting this problem I have until its fixed. 

My name is XXXX XXXX XXXX contact phone number is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 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: Innovis
State: MD

Complaint narrative:
I am hereby demanding any accounts displayed below be removed from my credit report immediately as they are not authorized to be there. Attached is my Copyright Notice and Power of Attorney Notice for your reference. These accounts are fraudulent I have sent notice to each creditor to answer the fraud and each creditor has remained silent. Any credit agency reporting them are in violation of the law and are at risk of a lawsuit : XXXX XXXX # XXXX XXXX XXXX-ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT ending in XXXX and XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX ACCT ending in XXXX XXXX -ACCT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I sent a letter to Transunion notifying them of two " unauthorized '' items reporting negatively on my credit report. Unfortunately, I have not received a response. As a result, on XXXX/XXXX/XXXX I followed the dispute request with an additional letter which listed several FCRA regulations which Transunion is in violation. The accounts in question are listed below : XXXX XXXX XXXX XXXX XXXX  Furthermore, during the time the alleged XXXX account was initiated and according to the 'opened ' date XXXX/XXXX/XXXX it would have been impossible for the account to have been opened by myself as I was a minor at the time. I 've attached my drivers license for verification of my age. 

Conclusively, I 'm not responsible for either account and as such have filed a report with the FTC.

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 2017-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I am receiving non stop robo calls leaving messages on my cell phone and now work phone. My work phone is a XXXX phone so it also records all the calls/messages and forwards them to a shared email. They have been asked to stop and simply mail me the bill. But instead of doing as asked they continue to call my place of employment nonstop. I am considering contacting our legal department as these are medical bills so they can stop trying to intimidate and threaten me in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.

Company response to consumer: Closed with non-monetary relief