vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
This company Professional Debt Mediation is trying to collect {$1000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Professional Debt Mediation with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Professional Debt Mediation. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Professional Debt Mediation. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My identity was compromised in XX/XX/XXXX. I purchased credit monitoring package from XXXX including all 3 credit reporting agencies. There was about 8 accounts opened with my ssn but we caught it in time so they couldn't do serious damage. Recently these fraudulent accounts have been removed from my record by XXXX and XXXX XXXX. No luck with Equifax. After numerous security questions they told me I failed to identify myself. 3 days later I tried to use my XXXX XXXX card but they told me it was cancelled by Eqiufax.  That was true embarrassment but card was dead. Card was issued by XXXX XXXX, so I checked other accounts related with XXXX XXXX.Sure enough, XXXX XXXX card with only {$150.00} balance, cancelled, XXXX card, cancelled. Obviously they couldn't touch or close real banks like XXXX  XXXX XXXX and XXXX XXXX. These accounts they didn't close. 
When I called them originally, I gave them the fraudulent accounts and they had those anyway, they still closed all my accounts with XXXX XXXX XXXX. Do they have right to do that, who are they protecting, I am the victim, and they are just punishing me even more. Never the less was their customer service. Beyond comprehensive. I kept on telling them that I can not understand what they are saying, but they kept saying, what is so hard to understand. Sorry, cant speak XXXX XXXX or XXXX. 
Can anyone stop this Equifax from torturing hard working people in this country

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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 — Was not notified of investigation status or results
Company: Paramount GR Holdings, LLC
State: NM

Complaint narrative:
I received a solicitation for a reverse mortgage, without my permission they did a credit check which I did not authorize. 

The company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX CA ran a credit check without my consent and stated I was applying for a loan which I was NOT!

This denial weakens my credit and was not authorized, I want this kind of action to stop as they prey upon senior citizens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
This company Source Receivables Management is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Source Receivables Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Source Receivables Management. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Source Receivables Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX and I initiated an international money transfer through Paypal on XX/XX/XXXX with transaction ID XXXX. 

I requested to pay XXXX {$2000.00} to my recipient in XXXX through my XXXX XXXX credit card. I checked to make sure that the " they receive '' amount is XXXX {$2000.00}, and I checked with XXXX XXXX XXXX to make sure the exact equivalent USD amount I was going to be charged. XXXX told me the currency conversion will be done through them, not Paypal, and that I shall NOT see any FX transaction fee. I then initiated the transfer, before which I MADE SURE THAT NO ADDITIONAL CHARGE ( EITHER MY OR RECIPIENT 'S SIDE ) WAS REVEALED TO ME. 

However after my recipient received the payment, she was charged XXXX {$74.00} fee which was totally unexpected. I checked my XXXX account and made sure that the actual amount that I was charged matched the amount that I was told by XXXX earlier. I then called Paypal to check what's going on and their agent told me 2 things : 1. It's an international transfer so they charged the current conversion fee. I denied that immediately saying that I paid with XXXX XXXX so I was actually charged XXXX {$2000.00} with my card and the FX conversion was later done by XXXX, NOT Paypal. They had no right to charged the so-called " current conversion fee ''. 

2. After the first point, the agent came up with some other theory saying that it's an international transfer so someone has to pay for the fee. I told her that I was neither informed of any existence of any hidden fees nor was I presented with any fee schedule, on my Paypal transfer page. The only thing that I saw was an unexpected charge, and I don't think this conforms to CFPB rules. The agent refused to honor or comment on any of the points that I mentioned, but just kept saying someone will have to pay and then cut me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: NC

Complaint narrative:
I have sent many letters trying to get XXXX and Equifax to properly investigate and account witch was re inserted on my credit file. it was removed in XX/XX/XXXX and now it is back on my credit file with same company in XX/XX/XXXX. the exact same account for the exact same about the only difference is the account number changed. Old account number was. XXXX and the new reinserted number XXXX. I was not notified by the company XXXX nor the credit reporting bureaus informed me of this matter. I know that they have violated the FCRA and I have given both bureaus the opportunity to properly investigate this matter and resolve it but they still have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have 77 on one 50 on another and 70 on the other and accounts that are at XXXX balances

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: ID

Complaint narrative:
I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have 77 on one 50 on another and 70 on the other and accounts that are at XXXX balances

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: NV

Complaint narrative:
It all started when I complained to cfpb last month about XXXX XXXX XXXX and the account that they are falsely reporting on my credit file. I pointed out that they claim they got the account from XXXX XXXX, then they claim it almost 6 months later and reage it, as soon as I complained my credit score with TransUnion drop like 70 points in like 2days for no reason. Is that supposed to be a punishment for complaining? I want justice for these guys just doing what they want with ones credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a  statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( XXXX, Experian and XXXX  are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that XXXX, Experian and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

THIS INFORMATION WAS REVISED XX/XX/2018 XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent many letters trying to get Experian and XXXX to properly investigate and account witch was re inserted on my credit file. it was removed in XX/XX/XXXX and now it is back on my credit file with same company in XX/XX/XXXX. the exact same account for the exact same about the only difference is the account number changed. Old account number was. XXXX and the new reinserted number XXXX. I was not notified by the company XXXX nor the credit reporting bureaus informed me of this matter. I know that they have violated the FCRA and I have given both bureaus the opportunity to properly investigate this matter and resolve it but they still have 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 2018-11-04 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: PNC Bank N.A.
State: MD

Complaint narrative:
I just received an alert showing a hard inquiry from PNC BANK that I do not recognize or have authorise. Please correct. Creditor Name : PNC BANK Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I received a bill from this law firm from XXXX on XX/XX/2018. There seems to be no legal remedies for addressing to them to stop and they have violated the Fair Debt Collection Act by adding illegal interests to the original debt of {$200.00}. 

There is no state or federal laws that require me to pay them and I haven't had a trial or signed any contract telling me I am subject to pay them anything. 



I have complained about this same issue before with cfpb. A lawfirm has been hired to collect a debt for the city of XXXX. I have sent a legal letter to them back in the Spring when I got fined for a red camera issue. 

They will likely try to sue me or threaten to contact the State to revoke my license for non payment and many states and the Department of Justice has proven this behavior of debts illegal and unconstitutional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation
State: VA

Complaint narrative:
I talked with the manager @ XXXX, located @ XXXX XXXX XXXX XXXX, Virginia XXXX XXXX, round our about : XX/XX/2018.. because I was having trouble activating the new card they gave me for employment,.,, The manager called the corporate office and they told me to give them my physical address so they could release my funds,, so I gave the manager the information,, They next day I tried checking my balance online with XXXX   and I was told that the email and passwords entered on my pay card did not match there records. and were not my emails.. so my card, had somebody elses email on them, I contacted XXXX corporate office,,   and they said they might have given, me the wrong card. So the same day I tried checking my balance.. about XXXX XXXX and a $ XXXX transaction was made for a XXXX XXXX  that was not mine,, so I called XXXX County sherifffs offci , officer badge # XXXX, and reported the identy theft,,, - and then I did a ftc.gov- report.-online for credit card theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
eep driving the car as I will incur additional fees for going over the mileage. They offer me a new loan that is so expensive and I said but I would not be able to afford that payment, I want something that I can afford. I contacted XXXX XXXX around XX/XX/XXXX, to come pick up the lease, they said they would contact me back and they never did. I visited the dealership on XX/XX/2018 to return the car and they did not take it back. They say, they would have someone called me. Nobody called me, I went to the dealership on XX/XX/2018 and returned the car and signed a lease return receipt. I sent an email to XXXX XXXX XXXX notifying them that the lease has been returned. The remaining payment on the lease was XXXX. However I received a letter that stated I owe {$39000.00} and that my vehicle was repossessed on XX/XX/2018 and I was charged repossession fees. Please help me as this company is engaged in deceptive sale practices and charge excessive fees. My remaining lease balance is only {$12000.00}. I am a XXXX XXXX veteran who work hard to earn my money. I can't give it away to this company that engages in unethical and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Applied several times and was denied by Ocwen financial servicing for a modification loan, even got 3 jobs and was still denied. Filed bankrupcy in XX/XX/2017 and then got hurt in job and couldnt pay bankrupcy payments and so it was dismissed. Please help. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Hello XXXX, I purchased my home in XX/XX/2015. When I purchased my home the taxes was {$1700.00}. In less than 3 years my property taxes nearly tripled to {$7500.00} per year. Im not sure if the sellers were senior citizens who were entitled to a senior discount or in the military and receiving 70 % or greater discount that resulted in very low taxes. The sellers were not at closing, so I never met them. 

I was never informed by my mortgage loan originator ( Loan Depot ) who the sellers were. I only knew that the property was in trust. I later learned that the property taxes are based on 2 % -2.5 % of the sales price which was $ XXXX. I would like to file a complaint as a result of my property taxes tripling in just 3 short years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I just received an alert showing a hard inquiry from American Honda that I do not recognize or have authorise. Please correct. Creditor Name : American Honda Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: Rubin & Rothman, LLC
State: NY

Complaint narrative:
On XX/XX/2018 a summons was delivered regarding XXXX XXXX XXXX credit card with balance of {$2200.00} ; represented by Rubin Rothman law firm. An agreement was made between XXXX XXXX and Rubin Rothman law. Agreement stated that XXXX XXXX pay {$700.00} to satisfy {$2200.00} balance on XXXX XXXX credit card, bringing said balance to {$0.00} due. ( This conversation was legally recorded and can be offered as evidence ). Rubin Rothman law sent agreement in mail. XXXX XXXX paid balance on approx. XX/XX/2018. On XX/XX/2018 Rubin Rothman law sent document confirming the court was notified that this action had been resolved. Capital One changed balance from {$2200.00} to {$1500.00} due. Capital One has not changed the balance due to {$0.00} as previously agreement stated with Rubin Rothman law firm and satisfied by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation