vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I need the help of the Consumer Financial Protection Bureau, as XXXX XXXX, XXXX still has my personal information, trying to collect a debt that can no longer be enforced or for that matter reported on credit. This abusive collection letter states that by the standard established through the Office of Attorney General in the Commonwealth of Massachusetts, mandates that the collection can no longer be enforced. I request that the Federal Trade Commission step up and sanction this collection agency, that is trying to collect on a debt supposedly taken over by a debt buyer known as CACH LLC. Both of these companies are owned by the same holding company, and thus both companies are committing abusive collection practices. I demand the purge of all of my personal information with XXXX XXXX, XXXX and CACH LLC permanently. 

CEASE AND DESIST AND PURGE FILE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Collection agency alleges that the deceased debtor incurred charges with XXXX XXXX XXXX after his death and refuses to provide documentation after numerous requests ( see attached ). It appears that this collection attempt may be a scam targeting estates of deceased individuals

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: NCS, Inc
State: TX

Complaint narrative:
I called and asked if there were ever a contract ever signed by me from them and i never recieved and letters informing me of any bills or any action being taking towards 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 2019-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
This Debt collection shouldve been already off my credit report, but what they did was reopened it up right before the 7 yrs was up to allow it to stay in my credit report longer. I dont feel thats fair because Ive waited my allotted time for it to be removed & for them to just open it back up is a bunch of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: NY

Complaint narrative:
This is regarding XXXX and the " newest '' collection agency that they're using-4th one in almost 3 years. The name of the newest one is The Collection Firm of Franklin Collection Service , Inc. in XXXX, MS XXXX XXXX has a known habit in disposing of one collection agency and moving on to another when they don't get their way. This one, however has offered a {$74.00} " discount '' if I pay the bill-they state that I owe {$240.00} which is false. 

I returned equipment at my expense XX/XX/XXXX and was informed that I would have to pay an early cancellation fee which at the time was {$350.00} yet when I moved from one home to another " in the same area '' I was told that no fees are applicable which I knew as it was just a transfer of service. 

After this they decided to implement the above fee but it was changed to {$480.00} and the total they were trying to obtain was {$650.00} which I knew was wrong but ... .they even tried to bill my credit card for {$650.00} XX/XX/XXXX without my permission but luckily the bank denied it. 

I've paid them {$410.00} as of XX/XX/XXXX and they owe me money for falsely adding premium channels at {$53.00} a month which I never authorized or ordered-they did this automatically. 

They're determined to get {$650.00} and at this point I'm realizing that no one will ever assist us people who have been ripped off by XXXX, they're not on this site either-they have too much power and every day I pray for someone, anyone to bring them down once and for all. 

This problem should have been resolved a long time ago and I should have received a refund from them but I haven't and now another collection agency has contacted me asking for {$240.00} and {$170.00} if I accept the discount. 

Again, I paid them {$410.00} which is over the {$350.00} early cancellation fee AND again, they added those premium channel fees at {$53.00} a month. 

I wrote to them so many times, to various addresses that they use. They continue calling me as well from various area codes. They have NEVER replied to my correspondence and I have finally stopped writing to XXXX. 

Thank you for your time and please help us from this deceptive, lying company once and for all. There are so many others in the same situation as us. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I have been trying to obtain my Equifax credit report from the company itself so I can dispute some items. When calling them I am not able to verify my identity through the questions they ask. I faxed in documents what they needed to verify my identity. I still have not received any communication from them regarding this. I did however receive an email saying that they have completed the investigation of a dispute. In said email was a link to view the results. When attempting to view the results I get a screen that says they need me to call to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I was looking for a consolidation loan so I could payoff my credit card debt before I retired. I called many banks. Although my repayment history was good, I had too much debt. I kept on hearing that there was a way to payoff my dept at a much lower amount. The salesperson told me that it was a government created program and that I would be out of debt in three years. They said I would pay into an account and they would payoff my credit cards. They disclosed that I would pay two monthly service fees -- one for the  service and one for an attorney -- about {$12.00} each. I never had a paper copy of the contract before signing it. They had me review it with them on the phone while I Iooked at the screen on my computer and I signed it electronically at that time. I never had a paper copy to review before I signed the contract. 

I paid each month into an account and assumed that my debts were being taken care of. I started getting calls from debt collectors and I told them that they would now be paid by Freedom Debt Relief. I called up Freedom Debt Relief and they said that the calls would stop soon -- settlements took time. They never stopped. Nor did the collection letters. 

They then told me of two settlements with two of my credit cards. The amounts of the settlement was much lower than what I originally owed. However, I found out that they add a fee of 21 percent on the original dept ( which in most cases was higher than my original interest rate ). They said that I had a agreed to that fee when I electronically signed the contract. 

After a while, they called me up and said I could pay off my debts with a loan from them. This is what I wanted to do in the first place. Then they started pressuring me into taking the loan. The loan was for {$50000.00} at 22 %. I said the percentage rate was too high and they said I could not get a lower rate because I had so many delinquencies. I said that I had been paying all my cards on time until they got involved. I did not take the loan. That would have been a worse mistake than signing up in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I got divorced in XXXX, my wife then two months before went to the dealership and sign my name to a lease of a XXXX XXXX XXXX. The payment was XXXX XXXXper month. So after we divorced she dropped the lease in my lap. She said she didnt have the money to pay for it. So I took it back to the dealer, and was told I could return it but the payments and the other fees I still have to pay. Sales and finance said that it was my signature on the lease and it was my responsibility. They then told me that since I had to still pay for lease, they can put me in a lease for with the same as the truck to replace it payment wise. I agreed thinking I was just paying for the new lease in place of the old lease. After about 5months I get two bills from TFS saying I still owe on the truck and the car lease. They added the reminder of lease of the truck to my car lease. I struggled to pay the {$790.00} as I retired from the Military the same month XX/XX/XXXX. I attempted to get payment lowered, TFS told me no because of my now credit score after the divorce. I was always a two payments behind because of due date they wouldnt change. I get threatened with repossession of the car every month. Its about 8months and the day I had to had the last current month payment in, I had to send it by XXXX XXXX. That night they repossessed my car. After the fact that I brought it current. I tried getting my car back, and was denied. Two weeks later they sold it at a auction. The amount that it was sold for wasnt and still hasnt been disclosed to me, and TFS reported to credit unions that I still owe them $ XXXX. I also asked them about the Solider and Sailor Act, and was shut down. Im a retiree on a fix pension after divorce, and on the hook for a payment on a prior lease that was add to a newer lease I didnt sign for. Now my ex-wife credit score is  800+ do to her paid debts off. So if thats the case her credit was attached to mine, but my credit file never changed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
Per State if Georgia, this loan was done ILLEGALLY. You all did NOT inform me that ANY loans in Georgia are ILLEGAL. I have turned EVERYTHING over to the State of Georgia AND to the Attorney General. The state of Georgia has already sued you all once and will be doing it again. Here is ALL evidence to back my case. Any communication made to me WILL be forward to ALL attorneys involved. This is also a cease and desist order for any communications made. Any attempt made will be additional charges brought up and all phone calls are recorded as well as time/ date stamped. The State of Georgia has also assigned state and federal attorneys to represent me on this. From here on, all communication WILL be done between you, Loan At Last, and the State. No one is exempt and the state will also handle those false claims. A copy of this email has been saved and as well as sent to the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: GA

Complaint narrative:
There are three Chapter XXXX Bankruptcies that Experian is Reporting that I did not file. For the years of XXXX, and two in the year of XXXX, I have contacted the Bankruptcy Court,  they advise me that they are not reporting these Bankruptcies because they do not see those years filed under my name, SS #. The Bankruptcy Court also advise they do not release any information to the credit bureaus or report to the credit bureaus. 
So I am not understanding if the Bankruptcy Court does not release any information to the bureaus why Experian is the only Bureau Reporting these Bankruptcies. 
Although it is Experian policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. Especially when I never filed these Bankruptcies. Therefore, Experian has no right to maintain information which the government has deemed nonexistent. 
FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate Experian response within 14 calendar days from receipt of this letter.

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 2019-08-04 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Upon pulling my credit reports the company Transfinancial had placed two accounts in the amounts of {$940.00} and {$330.00}. Upon asking the company for validation of the account the company responded sending protected medical information. After further review of the information sent although a grave HIPAA violation, I also realized that the social security number does not match mine. The social security number is that of someone else and the accounts have been placed in error. These accounts need to be removed immediately due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I called Wells Fargo on XX/XX/19 to close out all accounts associated with me or my wife, XXXX XXXX. I was told that my checking account had a negative balance of {$30.00} and, in order to close out my account, I would need to pay that amount before XXXX EST. I immediately went to a Wells Fargo location and submitted this amount. I was assured that my account was then closed. However, it was not. I have incurred fees from recurring payments that I had yet to change. I was under the informed impression that my account was closed and I would not incur any additional fees. I tried to rectify this situation, on XX/XX/19, by calling Wells Fargo customer support. I was passed around through 7 different individuals, all of which to say that there was nothing that they could do to fix my problem. I was under the impression/information given to me, that my account was closed. These additional fees amount to predatory lending from an account that I have held for over 20 years with Wells Fargo. I need a solution. Please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Services, Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX XXXX signed up for the loan and did not receive full disclosure of the details of this contract. This contract was a misrepresentation where l entered into a transaction without accurately realizing the risk, duties or obligations that have incurred which is fraud in the factum. In addition to this fraud, my signature was use to create money without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I requested my annual free credit report noticed so many charges from portfolio recovery associates I called them numerous times they just demanded money. I requested a debt validation letter several occasions over the phone and finally through the mail and still no response. What I do see is that they will randomly add new items and delete and vice versa, but 30 days since my request for a debt validation have passed and still nothing so Im demanding they remove all alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: AR

Complaint narrative:
Upon purchasing my home on XX/XX/XXXX the bank sold my loan to another lender one month later. 

There were some issues with the escrow account and my home Insurance wasn't getting paid. 

By XXXX of XXXX my mortgage was sold to another lender Midland Mortgage and they started helping me with applying for a mortgage modification loan. 

By XXXX of XXXX this modification loan was approved. 

As of XX/XX/XXXX my Mortgage is Current with XXXX past due. 

The information on my Credit Report needs to be updated

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 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have an acount that is 7 years old and according to the Fair Credit Reporting Act. that acounts that are 7 years or older should be removed. I have deputed this account with Experian Report Number : 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 2019-08-04 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: TX

Complaint narrative:
Their were a XXXX credit cards open in my name due to fraud. All the Credit Agencies removed this account but Transunion reinserted after they had removed it. That dropped my score 115 points, stopping my chances to qualify for financing.

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 2019-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I purchased a new car in XX/XX/XXXX, BB & T financed it. The first payment was due XX/XX/XXXX when I received my first statement the balance was {$17000.00} I paid {$340.00}. My payments are XXXX for 72 months. Every month I pay more than the amount I owe. I accidentally made a double payment in XXXX. Since then I have made four payments totaling {$1200.00} which by my calculations my balance should be {$16000.00} but instead BB & T has my balance as {$16000.00}. They are charging interest every month and at the rate, they are going the car will not be paid off in 72 months. also, they will receive more than the contract I signed. MY balance is not reflecting my payments. They are not putting the payments towards my balance but instead are distributing them as if I am paying a mortgage instead.

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 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion credit bureau is reporting a credit score decrease by 28 points on my credit file and has no reason for it. Transunion states " We found no changes to your Transunion Credit Report '' via CreditKarm.com on XX/XX/2019. This is unfair and unjust. I have proof of such, but was unable to upload a document photo directly from XXXX showing the decrease.

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 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I applied for the XXXX XXXX Business Mastercard by Barclays Bank. I was approved with promotional terms stating " Spend XXXX dollar and pay annual fee '' and receive XXXX XXXX XXXX miles within 90 days. '' I have fulfilled those terms and they are refusing to reward the miles 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 non-monetary relief