vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
A collection was opened by Hunter-Warfield for the amount of {$280.00} on XX/XX/XXXX. The debt was regarding non-payment of rent for the last 9 days of my lease. My lease terms were that I paid 12 payments of {$670.00} and a security deposit of {$250.00}, starting XX/XX/XXXX, I gave receipts of all 12 checks and per my lease agreement those 12 payments covered me through XX/XX/XXXX. Upon moving out on the last day of my lease, a letter was sent in XX/XX/XXXXclaiming I owed the XXXX at XXXX {$280.00} for non-payment of the 5 days between the XX/XX/XXXX and the XX/XX/XXXX. They told me I had 14 days to respond before they sent the amount to collections. I immediately contacted their office and produced the receipts of my 12 monthly payments outlined according to my lease agreement, they claimed they would get back to me and since I had contacted them they would not send it to collections. I contacted their office again a few weeks later and they claimed they didnt have a copy of my lease agreement since it was a new management company in charge and that they would contact me with more information. I was then contacted by Hunter-Warfield sometime in XX/XX/XXXX claiming I owed {$280.00}, upon which i requested an official document with all the information regarding the debt and I have yet to receive any letter or information regarding the account status or debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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:
I was a victim of identity theft. My information was stolen and misused to open up accounts without my knowledge while I was away at college at addresses Ive been trying to resolve the matter but to no success thus far. All the accounts date from XX/XX/XXXX-XX/XX/XXXX. I have reported each to the bank as well as filed a identity theft report and opened local police investigation.

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 2019-08-27 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:
I was a victim of identity theft. My information was stolen and misused to open up accounts without my knowledge while I was away at college at addresses Ive been trying to resolve the matter but to no success thus far. All the accounts date from XX/XX/XXXX-XX/XX/XXXX. I have reported each to the bank as well as filed a identity theft report and opened local police investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
On XX/XX/2019, I purchased a puppy from the XXXX XXXX XXXX in XXXX XXXX, FL. I qualified for a loan through their financial services, XXXX XXXX. They sent me a contract that needed to be signed immediately right there in the store. When I received the email I could not enlarge it on my phone. The entire contract was in fine print. I told the salesperson that I could not read the contract. I do not sign contracts I can not read. The salesperson told me she did not have a copy. On the XXXX website it states that they have easy financing with great rates. on their website site. The salesperson told me someone else wanted to purchase the dog I was under the incorrect assumption that I would be paying average credit card rates for the dog. I received an email from a collection agency I was confused. I opened the email to see that I was Paying more than 100 % financing for the dog and the dog did not belong to me he was a lease. I called the Monterey Financial Services to tell me I that I believe I have been defrauded by them and XXXX XXXX. That had I known the terms I would have put the dog on the credit card. I asked if I could pay the value of the dog and they replied that I have to pay at least 75 % of the lease term. XXXX XXXX and Monterey are working together to defraud the public. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I visited the XXXX store located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX on Saturday, XX/XX/XXXX. When ringing up my purchases the cashier asked if was a member of their rewards program to which I replied that I believed I was. She had me enter my telephone number. She stated I was not in their XXXX XXXX Rewards program and asked me if I would like to be. The store was closing down and re-opening under another name so I inquired if they rewards were transferable and she stated they were good for all stores under the same parent. I proceeded to enroll in the " rewards '' program and when I was finished the cashier said, " You were approved for {$800.00} '' I stated that I was not aware that I was applying for credit rather, only that I was enrolling in an awards program. I asked if I could cancel right there in the store. The cashier said I could not an provided me with a number to call. I called the number and went through an automated system which allowed me to cancel the card and stated it would be reported to the credit agencies as " Closed at customer request '' however, the the only option to receive a confirmation was via fax. As I did not have a fax number handy I opted to not have a confirmation. Wanting to be sure the account was cancelled, I called Tuesday, XX/XX/2019 at XXXX XXXX. Eastern Standard Time and went through the automated system which allowed me to cancel the account, confirmed via voice response it was cancelled and stated it would be reported a " Closed at customer request '' to the credit agencies. This time I provided a fax number and the autoted system said a confirmation would be sent within 1 hour. As of Tuesday, XX/XX/2019 at XXXX XXXX Eastern Standard no confirmation has been received. 

I believe the acquisition process was purposely misleading and that the cancellation process also uses deceptive practices to avoid cancelling the card. The card is issued by Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-08-27 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
OnXX/XX/2019 I approached XXXX XXXX from XXXX to cancel both my parents membership ( membership # XXXX and # XXXX ). I asked for the total due at the moment of cancellation and they said it was {$21.00} per membership. OnXX/XX/2019 I was charged {$45.00} for each membership without my authorization. I talked to a representative of the gym and they said they were charging annual manteinance fees which I wasn't told at the moment I cancelled the memberships. Even the invoices they gave me said the annual fee was {$0.00} and that total due was {$21.00}. They denied to refund me my money, so I disputed the charges with my bank. The first time the bank denied the dispute because they said I had a relation with the gym, which I then disputed again because it wasn't my membership. Today XX/XX/2019 I received a letter from the bank saying they denied again because I have to resolve the issue with the merchant, when I specifically told them the merchant denied to refund me the money. So they are giving me two different answers which I think it is just an excuse to not give me back the money XXXX took from my account without my authorization. 

Furthermore, if the gym wanted to charge pending fees they should have charged them to both my parents ' credit cards, since they registered themselves to the gym with their own credit cards. Since they were no longer in the country I went myself to cancel their memberships as a favor and paid with my own card while the gym still had their credit cards information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient loan They have been messing with me since day 1 I am a US XXXX veteran. 
I know they have lawsuits filed against them I am searching for any kind of help i can find. 
My payments ive paid monthly have gone to nothing. 
The loan is still at the same amount as when i started in XXXX So for at least 6 years ive been paying a VERY SMALL loan and somehow my payments havent even touched it They did force me to forbearance a while back. 
And i also heard that they have miss charged US veterans on purpose which is part of the lawsuits, on charging higher interest. I have no help to combat all of this. And am seeking guidance and help with this situation that for years had been effecting my credit and my life that now i have found out the company is just mistreating a lot of customers. 
Any assistance would be helpful. If this isnt the right place. Whom i should call for help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I have tried and tried to work with American education services. They never send me the papers I need and never ever help me. My son is in the hospital and they do not even care about my financial hardship I am going through! Recently last month they charged me because I made two separate payments instead of my whole payment! What kind of XXXX is that? Why does it matter if I do two payments??? They want me to pay up over {$300.00} dollars just to cover my two separate payments. Um no. They are suppose to work with me, not me work with them. Its my money.i have report this company 3 times and nothing happens!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inquires that I don't recognize

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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I have submitted multiple letters to this company to verify the debt they say i owe. They have not submitted the proper documents with my signature on it to verify this debt belongs to 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 2019-08-27 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: TN

Complaint narrative:
As per the feedback response from TransUnion, It's completely False resolution. I contacted TransUnion as advised by TransUnion on my last dispute and was informed by the representative who said his name was XXXX at the beginning of call, and at the end of call said his name was XXXX when I bought it to his attention he disconnected the call on XX/XX/2019. I recorded the call and informed the TransUnion rep that I was recording the phone call which I have forwarded all phone records, not accessible transunion website for me to view, check status on a dispute or start a new, and all submitted complaints that I have submitted to CFBP and TransUnion response to my attorney. 1. Transunion has continously denied my request for proof of Method of Investigation for accuracy. 2. Provide me with original documentation from the furnisher of creditor reporting signed contracts with my Full Name, Full Social Security Number, Full Date of Birth, Full dated Signature with my Name on it. 4. Told TransUnion XXXX e-system is NOT ACCEPTABLE!! 5. Transunion representatives in disputes istated repeatedly, that US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE with the phone number is address is whom you should call because they're reporting the information to TransUnion. I informed the representative that the US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE has reportedly stated to me over the phone and in person that the US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE HON NOT REPORT TO ANY CREDIT REPORTING AGENCIES OR THIRD-PARTY VENDORS AT ALL. I PROVIDED DOCUMENTATION REGARDING THAT. SINCE CFBP WAS NOT HELPFUL IN INVESTIGATING MY COMPLAINTS NOR HAS TRANSUNION ADHERED TO ANY OF MY DISPUTES THAT IS A DIRECT VIOLATION TO FCRA RULES 609, 623, 607, 611, 613 & 605, WILLBE HANDLE BY MY ATTORNEY.

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 2019-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquires that I don't recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquires that I don't recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX AR, XXXX To Equifax Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

1. " DELETE XXXX XXXX  XXXX '' because it is reporting a different Balance Updated date for XXXX  on ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
2.DELETE XXXX XXXX  XXXX XXXX because it is reporting a different Balance Updated date on XXXX ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 

Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is My Equifax Letter with screen shot of inaccuracies and a copy of my State Id, Social Security Card, Utility Bill, and Least Agreement. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR , XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
We refinanced our home in 2007 with XXXX XXXX XXXX XXXX, on a adjustable interest it went from 8 % to 12.75 % after they sold the mortgage to SPS, Select Portfolio Sercving, which has denied all of deed in lieu, modifications, and now short sale, just so they can fireclose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I paid this debt with convergys in XX/XX/XXXX but they have not updated the account since late XX/XX/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
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
I have submitted multiple letters to this company to validate this debt that they say i owe. This company has not submitted the proper documentation to support that this debt belongs to me. They have not provided the proper paperwork with my signature on it to validate 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 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
RECEVEID NOTICE FOR DEMAND OF PAYMENT OF ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES ... '' XXXX XXXX XXXX  AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: IL

Complaint narrative:
XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/2019, Portfolio Recovery Associates, LLC ( " PRA '' ) agreed to a settlement on an account they had assumed from XXXX   XXXX XXXX. The original balance of the loan was {$8000.00}. The settlement reached was for {$4800.00}. They have been accepting payments, which have been made as scheduled, on that settled amount since the settlement was agreed to. However, PRA continues to write to me showing the amounts paid as being credited against the full {$8000.00} debt. They are also reporting the same to the credit agencies. This fraudulently makes it appear that I have an outstanding credit collection account of ( currently ) more than {$7000.00}, rather than the {$3000.00} that should be showing. 

I have written to them twice asking that they correctly report the amount owing and both times they have refused to make this correction and stop reporting the incorrect amount. 

I have not yet received the confirmed settlement letter from my debt resolution company, but it will be received shortly. I can forward it later. It shows the settlement of {$4800.00} was agreed to by PRA in XX/XX/2019. 

The Company is Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: KS

Complaint narrative:
Received collections letter from one advantage regarding alleged medical debt, asked for verification / substantiation of debt, nothing was produced.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation