vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2020-10-29 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: CA

Complaint narrative:
Experian dropped my score 69 points ( From excellent to good ) for no apparent reason.

says " Serious Delinquency '' I have made no late payments EVER.

also says " Short Account History '' My oldest account was opened 39 Years, 9 Months ago. How can that be a short credit history?

The other two reporting agencies report my score as " exceptional '' I believe Experian is trying to " blackmail '' me into upgrading to a monthly $ account. 
I have free account only.

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 2020-10-29 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: Capio Partners, LLC
State: PA

Complaint narrative:
These are the fraudulent accounts -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AND ALL OF THOSE AUTOMOBILE INQUIRIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a Lease Termination Billing Statement in the mail today, Tuesday, XX/XX/XXXX, from the U.S. Bank, and was quite surprised to read that the total amount due is {$420.00}. 

I requested they reconsider waiving the amount due for the following reasons : 1. I am unemployed due to the COVID-19 unprecedented event and do not have the funding to pay the amount of {$420.00} ( see attached Unemployment submission ).

2. I did not receive the Billing Statement until today, XX/XX/XXXX, which is five months later ( see attached Billing Statement ).

3. My U.S. Bank Account was closed shortly thereafter in XXXX with no outstanding balance. I called the U.S. Bank and spoke with someone and they confirmed that the account was closed in good standing and that I do not owe anything further.

4. I submitted the XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX, with an odometer reading of XXXX. Exactly XXXX miles less than the allowable XXXX/year I have already paid for ( see attached Notice of Transfer and Release of Liability and Acknowledgment ) .ay know, the circumstances of the global pandemic have heavily impacted everyone and created a financial crisis for many, including me. This has caused many people to lose their jobs or earn a significantly lower income, and as a result, not be able to pay rent or other After many attempts to follow up and many telephone calls and emails, they denied my request. I received harassing letters in the mail every week demanding their payment. I called and they submitted a request for an adjustment and stated they would call me back and let me know if granted. No one called. I submitted negative experience remarks on my social media pages and someone finally called me and stated they could get the amount waived all together but instead I was told that they adjusted the amount to {$200.00} a month ago and I was not notified. Them not notifying me caused me unbelievable stress. 

Now I receive weekly demand for payment of {$200.00}. 

I want this waived all together for all the stress they caused 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 2020-10-29 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: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I have derogatory { collection account } on my credit report from a collection agency. 
The debt they are trying to collect has been paid to the originating debtor prior to the collection account printed on my credit report. The collection account states XXXX  balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
The private student loans are being handled by UAS, https : //www.uasconnect.com/. On XXXX I authorized a payment of {$33000.00} to pay off a student loan. That amount was debited twice from my bank account, leaving me with practically no money left in my account. I discovered the issue of XXXX, attempted to contact UAS but they have no phone or email support on weekends. I sent multiple emails hoping for a response but did not receive one on Monday XXXX. On Monday XXXX I spoke to UAS representative who indicated UAS had record of only a single withdrawal of {$33000.00}. I contacted my financial institution, XXXX XXXX XXXX XXXX who verified that 2 unique transactions of {$33000.00} had been issued to UAS. XXXX provided documented evidence which I then forwarded to the designated UAS contact, XXXX, XXXX XXXX. That representative forwarded the information within UAS. On XXXX I received an email from XXXX XXXX of UAS apologizing and telling me that a refund of {$33000.00} was requested to be refunded to my bank account. It is now XXXX and my money has not been returned to me. I am very few funds left to conduct necessary financial business such as paying bills, purchasing food, etc. The lack of response and accountability here is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing an account in my credit report and the bureaus have not given answers as of the status of the disputes so far. 

I started sending letters from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: OH

Complaint narrative:
On or about XX/XX/2020, I applied for a secured credit card through First Progress. On XX/XX/2020, the transaction for my {$200.00} 'deposit ' was processed through an online bank that I use. On XX/XX/2020, I received an email from First Progress stating that I had been approved, an account had been opened in my name, and within 3 days my credit card would be created and mailed, as well it was offered that for {$19.00} they could " expedite '' my card. By Monday, XX/XX/2020, I still had not received the card and I called First Progress. It was suggested that I wait until Wednesday, XX/XX/2020, to allow time for it to arrive - it didn't. 

Today is Thursday, XX/XX/2020, 26 days since they've had my deposit and 20 days after they create an account in my name that I can't access without the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CASHCALL, INC.
State: IL

Complaint narrative:
In XXXX I took out a payday loan due to financial hardships. I tried to pay the loan off and they charged me a {$29.00} fee multiple times a month adding to the hardship along with my normal payment deduction from my bank account. In order to minimize the negative balance in my bank account I closed it out. When I was financially stable I paid off the loan which at that point it went into collections. I reached a settlement and paid the balance due to satisfy the original loan. Every year after that I would get a collections call saying that I still owed money on the loan over {$2400.00} with compounded interest. I paid the amount due several times over and still was being alleged that money was due. In XXXX, I paid a final settlement that finally gave me a paid receipt of payment in full. Since then I have turned in proof of payment to the collections companies that continued to reach out to me every six months or so. At that point I started received calls from Cash Call 's attorneys threatening litigation unless I paid the balance owed. I sent the payment receipt I had previously and calls still continue with a different agency or law firm saying I still owe money or they will start legal proceedings to collect. This now happens every couple of months. When I speak with the collectors they refuse to provide any kind of debt verification of what is owed. I have been trying to resolve this myself of the past few years and am getting no resolution. I have contacted Cash Call several times each time getting different information. Once they said the loan was sold in XXXX and again in XXXX. I was also told that the funding came from XXXX XXXX and has been " XXXX  '' out to lawsuits and therefore did not owe anything on the original loan. I think the loan is being sold to other companies to extort more money from me and the at this time the constant calls are harassing in nature. The collection calls are saying the money owed is to Cash Call not XXXX XXXX which was different than what I was told from Cash Call after directly reaching out them. I want resolution and the constant threats and harassment to end.

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 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NY

Complaint narrative:
ALL ( 3 ) CREDIT AGENCIES REPORTING ERROR OF ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH " XXXX XXXX '' / AUTO LOAN

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 2020-10-29 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:
ALL ( 3 ) CREDIT AGENCIES REPORTING ERROR OF ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH " XXXX XXXX '' / AUTO LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is claiming to have not been provided with my personal information as a means to not delete the errors that remain on my credit report.

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 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Flandreau Santee Sioux Tribe
State: TX

Complaint narrative:
My boss received a call from a Mr XXXX, informed her that someone is on their way to my job to serve me papers. He gave her a document number and a telephone number to call. I called the given number, XXXX, spoke with a XXXX XXXX. He states he is with XXXX XXXX XXXX, and there are 2 civil suits against me. He states it's with Rushmore Financial and supposedly I took out a {$500.00} loan. He also states that I can pay right now and the payment will only be {$850.00}. He states that if it goes to court, I will have to pay them {$2500.00}. I told him I have to look into the validity of this loan. He said that it's too late and I will just have to go to court over this. 
I know that consumers have a right not to be served at work or be threatened with a lawsuit or jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: PA

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I paid in full an auto loan with USAA. USAA sent me a letter verifying that the loan was paid in full. I verified with them via phoncon the loan was paid in full on the phone. In the processing of refinancing my home the lender pulled my credit which showed a collection from USAA for the auto loan paid less than the full amount. I called them and they stated there was a glitch in the system that caused the error to be submitted to the Credit Bureau. I have tried to call them to remove the error from my credit report and they state they are working on it and in the mean time I am unable to refinance due to their self admitted error/glitch in the system.I escalated the error to the highest level and they were unable to give a satisfactory answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MLD MORTGAGE INC
State: NY

Complaint narrative:
This complain is in reference to previously filed complain with CFPB and it's response provided by the mortgage lender. 
Refer to Previously filed complain # XXXX. 
Based on above reference complain #, the company has accepted their failure to provide a loan estimate which is violation to Frank-Dodd Mortgage Lending Rules. 
In the MDL Mortgage dba The Money Store response, they are failed to response fair resolution to the issue. As a fair resolution, following were asked. CFPB and any governing agency must hold MLD Mortgage dba The Money Store responsible to honor following resolution.

1. MLD offered 2.5 % interest rate and did not honored caused me to lock in rates higher than 2.5 %. Company must pay the difference in interest rate for the life of the mortgage. 2. Company should not be allow for such gimmicks in their lending practices. CFPB must take appropriate action against the MLD. 3. Fair compensation must be paid for the mental stress & aggravations created by MLD in last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
MY NAME IS XXXX XXXX XXXX. My family was diagnosed with the coronavirus I booked an XXXX  a couple of days before they tested positive as soon as I realize they tested positive for XXXX I had to cancel the reservation and now they wont give me a refund it really shows you how discover doesnt care about their customers and I want everybody to know that after this resolution is done with Im done banking with discover and will tell everybody I know to never bank with or have a credit card with them and if they do they better close it and the same goes for XXXX. 
They had the nerve to tell me the reason I couldnt get a refund is because if the people are traveling with me they cant grant a refund first off my sisters suffer from XXXX. I can not travel with them alone and you think they cared when I said that? Nope discover didnt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I recieved a letter via XXXX that states the debt collector - XXXX XXXX XXXX  - is threatening to turn my debt over to a lawyer who will sue me for this debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: FL

Complaint narrative:
I received a email from experian saying my score dropped 20 points but no information is given about why. When going on there website it actually dropped 34 points. There is nowhere in there site explaining way, there tel # is just an automated service with no live agents and when I finally find a number a can call they send me back to the automated service. I've been working very hard to bring my fico score to where it use to be and then this happens. Can you help?

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts have Inaccurate and erroneous information on my credit file. I have n

otified Notified Trans Union on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned. They have not verified, any of the debt that they are claiming belongs to me. I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with them.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts have Inaccurate and erroneous information on my credit file. I have notified Notified XXXX XXXX on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned.

They have not verified, any of the debt that they are claiming belongs to me. 
I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with them.

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