vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
This has been happening since i was a child, someone using my information. My parents filed for me and i filed id theft reports in XXXX, XXXX and XXXX you are requesting documents that were sent years ago to XXXX and XXXX Bank, XXXX XXXX XXXX and others here is the latest. 
You are requesting documents that were sent years ago and before you acquired this case. 

This letter serves as notice to you and your company to immediately cease and desist all contact and communication with me AGAIN regarding the collection of an alleged debt and all related matters. Unless you have absolute proof and not printouts of BILLS as proof. 
a telephone call a letter an email numerous telephone calls and messages in one day numerous calls on the home, cell and work phone You claim that I owe debt. I do not owe this debt, and I dispute this claim. ) Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, I demand that you and your company terminate all further contact with me including but not limited to communication via telephone, mail correspondence, electronic mail, or facsimile. Your actions to collect debt from me are : embarrassing - harassing - aggressive - deceitful - threatening causing emotional and physical duress causing undue stress. 
If you continue to contact me other than to notify me that you are ending communication or that you are taking other legal action to collect the debt, I will be forced to take legal action against you for violation of the Fair Debt Collection Practices Act and will seek all available damages and remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX once again reported to credit bureau about my account even though they have sold my account to a collection again This an attempt to destroy me by a XXXX manger in XXXX North Carolina because we got in to an argument. We had made arrangements about the payments on the vehicle. The next day he repossessed the vehicle. Then he promised me that I wouldnt have to worry about it being on my report. He said if it did appear he would remove it. I said wait a minute you telling me if this appears on my credit report you will remove it.I asked him that because I dont trust no one I mean no one not even my mother. He said yes thats a easy fix. Well that easy fix has cause me nightmares. It has cause me nearly one hundred points since XXXX. I will be contacted my uncle who is XXXX XXXX XXXX  to let him know that how I am being treated and what this credit bureau is doing to me. No wonder theyre talking about abolishing the three credit unions. Because if they let whats happening to be everybody in this world that is a shame. Well not everybody just XXXX and XXXX. I also will contacted the U.S.Congress OF These United States of America to let them know about the injustice people of color are experiencing with these three Credit Bureau. It is a shame I fought for my country. Im a 100 % XXXX Veteran and I have to experience this type of horrible treatment from the credit bureau. This is the year 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company by the name of portfolio recovery is making my life hard very hard and stressful to all the calls that I keep receiving from different numbers and fraudulent tactics that they are using, by calling me with area code from Texas, New York, XXXX, Florida etc. calling me on a Sunday morning all time of night and day. I am a 100 percent total and permanent XXXX veteran that is currently suffering with XXXX and XXXX XXXX and it is not fair for this company to keep on bothering me. It is very unfair, unjust and unconstitutional for this company to be harassing people the way that they are doing. I have no business with them and I truly want them to stop or by any means to find a way to sue them and I will contact an advocate to help me deal with this company. Please make them stop it is not fair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Back in XX/XX/XXXX I noticed several erroneous names and other information on my Equifax report. One was that it listed me as putting an " Active Duty Alert '' on my account. I have never been in the military. I called. The people on the phone want outrageous amounts of information like on what date I opened a credit card or what the last amount was on a credit card. My husband pays the bills and we have quite a few credit cards. How can someone remember in XXXX what their outstanding balance on one card was in XXXX or what card was opened in XXXX? So I had to hang up. I went on line and reported the errors. The Equifax system would now allow me to change the " Active Duty Alert '' even though there was a button to " manage alerts ''. So I submitted requests to fix the name and address issues. I faxed and mailed a letter on XX/XX/XXXX to Equifax. In XXXX I checked the account and some info was fixed. I fixed what was still wrong. BUT, the Active Duty Alert was still on. I faxed and mailed another letter on XX/XX/XXXX. In XXXX I checked again and once again the " Active Duty Alert '' was on the account. I sent yet another letter to Equifax. All of my requests have been ignored. I just checked and the Alert is STILL on my account despite 3 phone calls, 2 faxes and 3 letters over almost 6 month. For some odd reason someone else or Equifax was able to set up the Active Duty Alert but they will not take it off when I tell them that I did not request it and that I am not on active duty. I've called several times to fix it and each time I get people who are outrageous in their requests for information from me. At one point the person was delving so far into my life that I hung up. Equifax should not even be allowed to operate in this arena, they are that bad. They are disgraceful. I'm attaching the two faxed letters. The second faxed letter from XXXX was actually mailed again in XXXX but it was the same letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: NY

Complaint narrative:
A company called XXXX XXXX submitted a hard inquiry to my credit report as someone with my information tried to open a line of credit. I contacted them via email and phone on XX/XX/XXXX. They told me via phone that the account application would be removed, the inquiry would be removed from my credit report, and that it was a fraudulent activity. I put a freeze on my account with Experian. They stopped responding to my emails on XX/XX/XXXX. I followed up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent them documents from the FTC asking them to remove the inquiry on XX/XX/XXXX with no response. 

I contacted Experian several times and each time was told that XXXX XXXX needs to be the ones to remove the inquiry from my file and not Experian. I tried sending documents from the FTC to Experian through their website, but the page won't accept the files. They tell me to download a form to mail the documents to them, but the form doesn't download.

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 2021-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I obtained an original payday loan for {$750.00}. Every 2 weeks the company has been withdrawing {$260.00} out of my account. When I check my account online with the company the balance owed keeps going up instead of down. For example I have made 6 payments of {$260.00}. and I now owe {$1000.00}. Somebody please help me supposedly this is a company that is in a sovereign nation on an XXXX reservation in Florida. I don't know what to do and I keep losing money that I can't afford to lose ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On Friday XX/XX/XXXX we noticed multiple payments were processed through Mr Cooper mortgage company resulting in our bank account being over drawn {$11000.00}. All day Saturday XX/XX/XXXX we attempted to reach our mortgage company and would get the message due to high call volumes they were unable to take calls, goodbye. I went into our mortgage account and submitted a ticket- no response. I XXXX  their reviews and see everyone is having the same issue and again nobody can contact them. Around XXXX on the XXXX our money was placed back in, but the lack of communication, the fact that this isnt the first time this has happened with this company and how they handled it was completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I received a call from Bank of America ( BOA ) stating that my Employment Development Department ( EDD ) debit card was frozen due to suspicious activity. After speaking to the representative, they informed me that on XX/XX/2021 there was an ATM balance inquiry and withdrawal for {$1000.00} in XXXX XXXX, CA. Following the first withdrawal, there were four more fraudulent charges everyday from XX/XX/XXXX to XX/XX/2021. Each withdrawal for {$1000.00}, totaling {$5000.00}. XX/XX/XXXX and XXXX were in XXXX, CA, and XXXX in XXXX XXXX XXXX on XXXX and XXXX on XX/XX/XXXX and XXXX. I have submitted a fraud claim to BOA on XX/XX/2021 and was denied, even though BOA themselves alerted me of the suspicious activity. BOA has not done anything to help ; just deny my claims. They have closed my case two times since I've initially filed the claim on XX/XX/2021 and I have received no explanation as to why my claims were denied/closed. They had frozen my initial account which I was able to unfreeze and take out the remainder of the balance which was {$250.00}. I currently have a new EDD card with them with no balance on it. I have only used the BOA ATMs in XXXX, CA and XXXX, CA, the last date of transaction from myself being XX/XX/2021. All transactions made starting XXXX XXXX from various locations are fraudulent. A Police report will also be made today.

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 monetary relief
Consumer complaint received 2021-04-25 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
- On XX/XX/XXXX a series of unauthorized transactions were made on my Apple Card by Goldman Sachs, and were reported immediately to the service department. Provisional credits were made for each, and eventually became permanent, with the exception of the largest disputed amount of {$400.00}, which was charged at an undisclosed XXXX XXXX location. 

- The investigation resulted in a reversal of the provisional credit, suggesting that I had in fact made the charge myself, which was false. I requested that the dispute be reopened in XX/XX/XXXX, and it took 2 months and weekly phone calls/complaints for them to reopen the dispute and make a decision on issuing a credit. I received an email on XX/XX/XXXX indicating that the investigation was complete, and that I should receive a permanent credit of {$400.00} on my account. However, weekly inquiries have resulted in unfulfilled promises of the credit being applied, and has not been resolved. 

- As of the date of this complaint ( XX/XX/XXXX ), no credit has been applied, despite numerous " escalation requests '' and commitments from representatives that this should be resolved in a matter of " a few days ''. 

- Goldman Sachs is still holding me responsible for the disputed amount, despite issuing an email to me stating that the dispute was to resolved in my favor. " XXXX '' a purported manager in the fraud department indicated this is simply a " IT issue for alot of accounts, not just yours ... '' and that " IT just hasn't gotten around to it yet. '' XXXX was unable to make any promises or commitment for timeline for resolution as of the date of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: SC

Complaint narrative:
I am in the process of buying a house. I needed to have remarks removed from three accounts. I called on Monday XX/XX/XXXX, I spoke with an XXXX from Equifax in the dispute department. He was very unprofessional. He was having a conversation with his wife in XXXX before he realized that he did not mute the phone. I would ask him questions to make sure he understood what I was requesting and he would have me on mute and would take several seconds before responding to me. I just wanted to make sure that he was opening the correct dispute because it did not seem like he understood. After I got off the phone with him, I call back and spoke to another young lady who assured me that everything was done correctly. Then on Wednesday I received an email from my lender explaining that one remark had been removed on XX/XX/2021 but the other two were still there. I call Equifax back and spoke with a third person who also said that everything had been submitted correctly. Then on Friday I received another email from my lender stating that the remarks were still there and that one of the remarks was now updated to be reinvestigated. I called Equifax back and spoke with a lady name XXXX in customer service. She advised that all the dispute were entered correctly except for one. Previously I had been advised by three other people that the disputes were put in correctly and now I am being told 4 days later that one was in fact put in incorrectly. She closed the incorrect dispute and reopened it correctly. Then she advised that it could still take up to 30 days, which I thought was unfair at this point as it wasn't nothing I did but something that one of their employees did. At this point she said that she could not move it alone any quicker and I asked to speak to a supervisor/ manager. I was then advised that she would not transfer me to her supervisor and that there was nothing no one else in their company could do to help move this alone. I feel like this was very unprofessional as I know that there is an escalation process in place that could move this process alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
Gm financial once again reported to credit bureau about my account even though they have sold my account to a collection again This an attempt to destroy me by a XXXX manger in XXXX North Carolina because we got in to an argument. We had made arrangements about the payments on the vehicle. The next day he repossessed the vehicle. Then he promised me that I wouldnt have to worry about it being on my report. He said if it did appear he would remove it. I said wait a minute you telling me if this appears on my credit report you will remove it.I asked him that because I dont trust no one I mean no one not even my mother. He said yes thats a easy fix. Well that easy fix has cause me nightmares. It has cause me nearly one hundred points since XXXX. I will be contacted my uncle who is U. S. Senator to let him know that how I am being treated and what this credit bureau is doing to me. No wonder theyre talking about abolishing the three credit unions. Because if they let whats happening to be everybody in this world that is a shame. Well not everybody just XXXX and XXXX. I also will contacted the U.S.Congress OF These United States of America to let them know about the injustice people of XXXX are experiencing with these three Credit Bureau. It is a shame I fought for my country. Im a 100 % XXXX Veteran and I have to experience this type of horrible treatment from the credit bureau. This is the year 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
The school had obtained my loan fraudulently and had someone posing as myself and taking classes with my name and using my loan money. The person also was refunded XXXX from my loan and I want this debt settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One credit card and have been an excellent customer, almost always paying my monthly statement in full. I scheduled a full payment of my most recent statement balance of {$5100.00} due XX/XX/2021. After I scheduled the payment, I received a credit of {$19000.00} from a cancellation for a reservation of a cruise. It was posted to my Capital One account on XX/XX/2021, two or three days after the cruise company issued the credit. I attempted to cancel the scheduled payment of {$5100.00}, but the website would not allow me and the payment I had scheduled no longer appeared on my Capital One web page. As of XX/XX/2021, I had a negative balance, in other words a credit of {$18000.00}. And yet, on XX/XX/2021, Capital One deducted {$5100.00} from my checking account for the balance which was obviously no longer due! I spoke with several people at Capital One who told me there essentially was little they could do. They said they could send me a check in three weeks. As a senior citizen, I believe that Capital One thinks of me as a person they can take advantage of, who is an easy mark and may not have the mental capacity to oversee my personal finances. This practice is unconscionable. They were able to deduct {$5100.00} from my checking account in seconds when they already had XXXX of my money and would not allow me to cancel a payment. They should be able to refund the money to me as quickly and should not be allowed to accept payments from anyone if the account has a negative balance larger than the amount due. I am not in the practice of supporting credit card companies.

Company response to consumer: Closed with explanation