vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 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: CA

Complaint narrative:
I have several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this 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 non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I am an upstanding XXXX XXXX. I have been the victim of identity theft. 
I have taken your advice and submitted and FTC Identity Theft Affidavit to the credit bureaus and the collection company itself. 
They seem to feel they are immune to following your laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I recently became aware of a fraudulent transaction with my XXXX XXXX XXXX checking/debit account executed through the XXXX XXXX XXXX, with which I do not have an account and have never transacted business. 

Nearly half the balance of my account was withdrawn fraudulently by someone in New York. I immediately contacted my bank 's fraud department as well as filling reports with the FTC 's identity theft department and my local police department. 

I also notified Venmo by email of this fraudulent transaction and received a form response instructing me to take the steps I'd already taken above. They offered no assistance whatsoever with pursuing an investigation or helping me recover my stolen funds. 

How is this company allowing such fraudulent transactions through its service, especially from accounts held by people like me who don't even have a XXXX   account or any kind of contact/verification information with them in the first place? 

They are clearly aware that this is a widespread problem because they have an entire section of their website devoted to addressing questions from consumers whose accounts have been stolen from in this fashion. 

I had never even heard of XXXX before this incident, but they seem to be a prime example of an unaccountable tech company playing fast and loose with the security of Americans ' private information while enriching themselves and leaving victims of fraud and abuse to twist in the wind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since XX/XX/1998 and needs to be removed from the credit report because it is a clear FCRA Violation.

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 2018-04-19 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
This is in reference to complaint # XXXX already submitted. One of my credit reports indicate late payments. Another credit report shows account settled for less than original amount. This account was paid and closed. Please see the attached documents from the creditor.

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 2018-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased a vehicle from XXXX and was financed through Santander Consumer USA Bank. The vehicle Was taken back by Santander in XX/XX/2016. Santander sold the vehicle and reported a balance of {$8000.00} to my credit report. Every month since XX/XX/2016 Santander has reported a different balanced owed as well as different loan terms then I actually initially signed for. Santander has also reported different amounts to each of the credit bureaus. They have also had over {$8000.00} worth of interest on a vehicle that they have already sold and was not stated in the intitial agreement that this would happen if a vehicle is repossed and sold at an auction. I made over {$5000.00} worth of payments to Santander when I had the vehicle and I have no idea where the money went. They also gave me a 26 % interest on the vehicle without verifying any check stubs or proof of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: GREAT WESTERN BANCORP, INC.
State: GA

Complaint narrative:
My loan was originated by XXXX XXXX XXXX ( GWB ) XXXX XXXX XXXX  SD on XX/XX/XXXX, and on XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX ( XXXX ) and was done so without a Deed of Trust ( DOT ) being delivered or recorded to the XXXX   County Registry of Deeds. As this did not stop GWB from owning the debt or XXXX from owning the debt, it made the loan an unsecured debt. The Note was signed by GWB XXXX XXXX XXXX XXXX   for the sale onXX/XX/XXXX, and XXXX  on XX/XX/XXXX submitted and got accepted my loan for XXXX XXXX XXXX XXXX created XXXX   which XXXX XXXX XXXX XXXX XXXX endorsed in blank the Note ( XXXX  ) on or about XX/XX/XXXX, as with all loan placed into the XXXX XXXX.

On XX/XX/XXXX it was discovered that there was no recorded Deed of Trust at the XXXX County Register of Deeds Office so on XX/XX/XXXX, GWB who had no remaining financial interest in the loan, illegally had recorded the DOT XXXX   recorded on XX/XX/XXXX, @ XXXX XXXX. GWB knows they sold the loan 21 days before the recording as did XXXX  who never applied for an Assignment of Deed of Trust because the act as with the initial recording is against the law.

XXXX on XX/XX/XXXX, had XXXX XXXX XXXX ( XXXX ) start mortgage servicing all XXXX XXXX   Fed Gov loans ( FHA & VA ) without purchasing as with the program XXXX XXXX has possession of the blank Notes to prevent any sale ever of the loans. Wells purchase the building the loans were housed in XXXX  WI, and hired the XXXX employees, as a physical possession was taken loan files with Wells as custodian of records as well as servicer, making it impossible for the loans to every be returned to XXXX.

On XX/XX/XXXX, the XXXX  seized XXXX and the FDIC declared it a " failed bank '', and the bank was defunct on that day. The debt stop existing as the bank stop existing and XXXX had no way to approach the court being a non-existing entity.

XX/XX/XXXX, the law firm that hired in XXXX XXXX XXXX XXXX  out of XXXX XXXX, who had their attorney that was the head of the foreclosure Dept XXXX XXXX as neither XXXX of XXXX was license to do business in Nebraska as they were not registered at the State Attorney Office, as XXXX has never been authorized to do business in NE. XXXXXXXX XXXX as an Assistant Secretary for XXXX  forged Assignment of Deed of Trust XXXX  to make it appear that GWB sold the loan to XXXX  when in fact GWB had no financial interest in the loans.

My home was illegally foreclosed on XX/XX/XXXX address XXXX XXXX XXXX XXXX ( XXXX ) NE. {$250.00} property without that debt, that was my property free of XXXX debt!

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 2018-04-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
University of XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since 1998 and needs to be removed from the credit report because it is a clear FCRA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
collections agency trying to collect a debt, even when they admit i never had a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On Saturday XX/XX/XXXX, I received several alerts from XXXX XXXX XXXX that I requested a change of address, change of telephone number and change of my social security number. None of these requests were made by me. I have been the victim of identity theft in XXXX of this year and I had since locked my credit files. 

On Saturday XX/XX/XXXX, after checking my credit file, all my personal information had been changed, my address, telephone number and social security number. I immediately disputed the change in address and phone number and it was corrected within hours, however, Experian will not allow me to dispute the incorrect social security number listed in my credit file online and when I called the number they suggested I was placed on hold for 2+ hours 3 days in a row.

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 2018-04-19 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: DISCOVER BANK
State: TX

Complaint narrative:
I have been a Discover credit card customer since 2016 and during this whole time I always paid my bill on time. Because of that payment history they even converted the card from a secured to an unsecured card over a year ago and when those payments are made it takes less than 48 hours to see the credit available on my card. This month I made my payment few days after the due date ( First time ever ), the amount of {$120.00} posted a day later on my bank statement. It also posted on the discover system yet they have not made the funds available. I contacted them to resolve the issue but they were very rude, disrespectful and just refused to assist. They pretty much said that it will post after 8 business days and there is not much I can do about it. I feel very insulted and decided to close this account however i need my payment to post so I can determine the final payoff and take care of everything at once. They are being very uncooperative and nasty for the simple reason that I made one single late payment so they would like to make sure that they penalize their long time customers. This is a very unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft that occurred in 2015 or before.. I became aware of the breach and took action in 2015.

I have filed a police report and your FTC Affidavit.

I am a XXXX XXXX and can not seem to understand why this company keeps pursuing me on a debt that is not mine.. This is crazy.. especially a debt that does not belong to me. I am getting ready to sue these people but before I spend additional money trying to resolve this I figured I would reach out to my government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
account was closed and resolved years ago, however this remains on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eltman Law, P.C.
State: TX

Complaint narrative:
I have fling another complaint against Eltman Law and XXXX. They are cashing my checks for the month of XX/XX/XXXX and XX/XX/XXXX. I tried to call them and a recorded message came on the are not accepting calls. These people are violating the law and commuting fraud. There are too many attorneys and companies involved with inaccurate information. Some company by the name of XXXX claim to be affiliated with XXXX state I owe over {$40000.00} that is incorrect this was settled in XX/XX/XXXX for {$10000.00} and i have paid every month. I plan on filing FDCPA Violations against all that is involved.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
this was settled years ago but still shows up on my credit report as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Someone gained access to my Wells Fargo Checking Account and my phone number. The individual was able to register a mobile device, change my Wells Fargo password and set up XXXX and use XXXX instant pay to make a fraudulent funds transfer without my authorization ( {$2400.00} ). I received a phone call regarding a fraudulent transaction at XXXX on XX/XX/18 from someone impersonating a Wells Fargo representative shortly before the unauthorized XXXX payment was sent to an unknown individual in Florida . After receiving the emails notifying me of the unauthorized XXXX payment I called Wells Fargo to report fraudulent activity with my account and to stop all pending payments in all forms ( XXXX XX/XX/18 ). My username and password were changed immediately. Wells Fargo claimed they would open an investigation but stated the chances of getting my money back are slim. I feel there is a lack of security features offered by Wells Fargo preventing this scam from occurring. Only after this event did Wells Fargo recommend a 2 step verification process ( verbal password added ). What happened to me is similar to what happened to the individual in the article ( XXXX  : XXXX ). This morning when I accessed my Wells Fargo account with a new password and new username the payment was still 'pending ' but now at XXXX MST the payment cleared. Wells Fargo should have been able to cancel/stop this fraudulent payment yesterday when they were immediately notified of the fraudulent activity.

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 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AZ

Complaint narrative:
My wallet was stolen around the same time this account was open. I have 2 collections in result of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: AK

Complaint narrative:
This debt was paid to the origional creditor in full balance of {$160.00} by phone. This company will not remove themselves from credit report, they are illegally trying to collect ... ..

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 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am once again the victim of magic math at Citizens Bank. As of Yesterday all of the same payments that show today had cleared and I had been overdraft by my automatic payment to XXXX XXXX. I had almost {$7.00} in the account so I was only in the red for almost {$16.00}. Moments ago, I opened the app to see if my IRS refund went in today. No refund ... no new payments and {$50.00} in the red. This seems to be an epidemic with this bank. How many people in the poverty bracket are they taking advantage of daily? 

XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX DOB XXXX SSN XXXX Citizens Bank Routing number XXXX My Account # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/2018, i sent money to my family in XXXX. This was through western union. The transfer said it was going to be available in 30 minutes. It took about 5 days to show up. When the money was taken out of my account the following morning. Then I called several times to track my transaction and the operators kept on telling me my account was locked for my safety. I kid you not, I called about 6 times and I kept on getting told the same thing even when I spoke to the supervisor XXXX. This so called supervisor said he was going to call me back with answers. He never did. Now I just want to cancel everything and get my money back. I will never use western union again!! I do not recommend. I also disputed he transaction with my bank because western union cant access my transaction because its locked. Red flags from the beginning. Shut western union down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: AZ

Complaint narrative:
My wallet was stolen around the same time this account was open. I have 2 collections in result of this.

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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
this company called numberous times and asked for settement in XX/XX/2015, which i complied and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion has continued to list a public record of a Chapter XXXX bankruptcy which XXXX and XXXX have removed from my credit report as they couldn't verify it. I have asked transunion for proof and they have said that hey verified the bankruptcy through the courts which is a lie. I have had a security freeze on my XXXX XXXX since XXXX or XX/XX/2016 and so they can't and won't provide the proof that this might belong to me. I have challenged them on 2 different letter writing episodes but to no avail. 
I am simply asking TU to do what is right as they haven't been able to truly verify anything or show needed proof.

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 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
My monthly payment is one month behind due to improper billing information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: CA

Complaint narrative:
i had 2 captiol one accounts, there was a lot of confusion about which account they were attempting to collect on. I was paying my card and even received XXXX for my second card. I attempted to resolve but this was pushed to collections before i could resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I defaulted on a Payday loan and now they are threatening me with jail time and a law suit.

Company response to consumer: Closed with explanation