vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is an account on my Equifax report that does not belong to me. I have tried to contact the collection agency XXXX XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with Equifax and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that XXXX used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. There is XXXX accounts from XXXX which are all medical bills that do not belong to me all fraudulent accounts with dollar amounts are as such {$140.00}, {$94.00}, {$280.00}, {$170.00} and {$140.00} I have not been sick nor have I showed my drivers license to this facility. XXXX is also a medical bill that do not belong to me that has not been validated for {$990.00}. XXXX is a collection account that have not been validated for {$1000.00} whom I have no knowledge about whom the collection agency did not validate when I asked for the information. XXXX for {$10000.00} definitely do not belong to me I tried to validate this account and got no contract with my signed signature showing that I signed any paperwork for XXXX they have not shown me that they have license to collect in my state nor have they shown me paperwork that I signed owing XXXX not the original creditor. If XXXX purchased the account I need validation paperwork. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these accounts have not been properly verified through Equifax. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I bought my first home in XXXX when I was XXXX years old. I needed to have XXXX loans on it to purchase it and I really wanted it. I do n't know the reasons why but I had XXXX conventional loan at XXXX 30yr at 7.25 % and a XXXX ballon loan XXXX 15yr at 8 %. After XXXX yrs I refinanced my XXXX loan reasonably. But nobody seems to want to touch the XXXX loan or wo n't touch my XXXX loan. It seams unreasonable for the lending company 's to have a policy that would prohibit the loan from being refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I have a written statement explaining that I applied for a loan modification and was denied because they stated that I had received my allotted time fort a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Rauch-Milliken International, Inc.
State: FL

Complaint narrative:
A sales person for yellow pages called XXXX XXXX show up one day to my place to offer me a good deal on marketing for my busines wich is currently colsed, the original agreement was XXXX dollars per month i never sign any document i just accepted verbally, but the first bill that i received from them was for the amount of XXXX dollars plus XXXX, by then i totally disagree with that amount because we agreed XXXX and nothing else i did not have that amount to make that payment, I asked twice to XXXX when he came to my shop is there any hidden or extra charge and he told me not at all and that was the reason why I accept by then he never mentioned anything about that ridiculous amount always told me XXXX will be your first bill even when i received my first bill i contacted him and he contacted yp for an explanation, when i receive the call from collection from XXXX and from XXXX i told them i do n't want to do any advertising with your guys because this is not what we agreed so close my account and im more than welcome to pay for the 2 months that your guys had my listing online 2 months later they close my listing and that it, never heard from them anymore, ( I DID NOT SUBMIT ANY PAYMENT ) Now 2 YEARS LATER this company called ( Rauch Milliken International, inc ) XXXX XXXX XXXX, LA XXXX PHONE ( XXXX ) Just send me a letter claiming that i owe XXXX dollars wich is not true is totally incorrect and also they just threat me to seize my bank account, inventory, account receivable etc, without this case being taken to a small claim court or anything like that, also they just called me on Thursday XX/XX/2017 and same thing the girl on the phone threat me to take legal action against me or my company wich do n't exist anymore. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
After my uncle was put in the XXXX I found out he had n't paid land taxes since 2012 and the tax commissioner was going to auction my family heirs property to settle the debt. I was told by ebay customer services reps and mangers that I had completed all the requirements necessary for my funds, to not be held after a sale. I listed my tractor for sale on ebay, and a buyer contacted me from XXXX. I live in XXXX and we both agreed to meet in XXXX at my property for him to check out the tractor. We agreed upon a price and he submitted a offer while we were in XXXX and I accepted while we were there. He paid on the spot thru Paypal and now eBay is holding my money saying I only have XXXX transactions. According to their rules it does n't say XXXX transaction in a 12 month period it says XXXX transactions which I have. 

XXXX XXXX law states that proceeds received from the sale of payment instruments or money transmission net of fees charged and retained by the authorized agent shall be remitted to the licensee or the licensee 's depository financial institution by such means as the licensee shall require within five ( 5 ) business days from the date of the sale or issuance of payment instruments unless more frequent remittance is required by the Department or the licensee. 

The buyer has the tractor, and has left positive feedback and has called ebay on my behalf to pay me. ebay and paypal is just making money off of my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I leased my car with XXXX XXXX.  I gave them a 
check for $XXXX for down payment of a new car.  I was called in their
office and they changed the terms on me.  In addition, I found out from
KIA FINANACE that I was over billed for $XXXX.  I put a stop payment
on the check immediately. I went back and forth
with the dealership to try to resolve this matter.  I got the run around.  It 
took several months after calling their corporate office and complaining 
to KIA headquarters.  I have paid this debt and they have reported to the 
credit report agencies.  It was their lack of integrity and unwillingness to
resolve this issue in a timely manner after also jacking up my 
monthly payment by having me re-sign new papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: IA

Complaint narrative:
Resolution of the following issue is still outstanding. 

Using the Income Based Repayment ( IBR ) plan, payee contacted the loan service provider questioning the degree of increase in monthly payments from XX/XX/XXXX-XX/XX/XXXX year to the XX/XX/XXXX-XX/XX/XXXX year. After repeated attempts to verify calculation with written documentation, the loan service provider could not confirm the calculation amount was correct. The service provider failed to return phone calls as promised, disconnected phone calls with the payee, communicated to the payee that she should " just pay the amount '' without questioning why it increased so extensively, failed to put the payee in contact with any senior management who could assist in resolving the issue, and refuses to provide written confirmation demonstrating how the IBR calculation accounts for a spouse 's loan amount as a variable in the IBR baseline methodology. The service provider in several instances affirmed that the payee 's calculation " looked too high '' and a supervisor confirmed that an analyst was working to reconcile the discrepancy, but the issue still remains outstanding. The payee contacted the service provider 14 days before payment was due, communicated to the service provider that she would not pay the amount until the calculation was confirmed as correct, asked for administrative forbearance until the issue is resolved, and is still receiving past due notices and advisement that interest will be capitalized because of failure to pay. The payee is willing and able to pay an amount that is correct, and should not be subject to scare tactics to incentivize payment of an amount that is inaccurate. The payee and spouse have been in almost daily phone contact with the service provider over the past 22 days and nothing is resolved. Payee and spouse have encountered incredibly poor customer service including representation of wrong information, unreturned phone calls, lack of written communication and clarification, incompetence in understanding what is required for IBR recertification and calculation methodologies, and just rude phone discussions with customer service representatives, account managers, and supervisors. Payee is effectively being penalized for the service providers incompetence and failure to appropriately conduct business with payee customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tormey Bewley Corporation
State: CO

Complaint narrative:
The dept is my sons, same name, different ssn.different birthdate.I have successfully disputed this dept .it was removed from my credit report.then XXXX resubmitted dept to my credit report.when I contacted them by phone they stated that the way to clear this up is have my dead beat son pay his bills ... So unprofesional, and then I was told sorry they do n't know what to tell me.Then the employee at the credit collection agency, XXXX , XXXX. repeatedly hung up on me.Could not believe the lack of treatment.This is not my dept.

Company response to consumer: Closed
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I had accounts with Kay and Jared jewelers that were included in a bankruptcy in XX/XX/XXXX. Both creditors filed claims and received some payment. The bankruptcy was later voluntarily dismissed. I received a call from a " courier '' working for the " state '' from a number with no caller ID several weeks ago. The courier needed me to be at home or work at " XXXX with pictured ID to serve legal documents. '' I was referenced to a phone number in NY. When I called this number I was connected to " XXXX '' who told me my account had already been " sent by the lawyers to my state and county '' and I needed to immediately pay the balance of the collection account ( bought from Kay and Jared ) to cease " legal papers. '' In a panic, I paid XXXX and made arrangements to pay the entire balance ( over XXXX ) in 72 hours from my checking account. I was told I would need to sign a document forwarded to me via email to authorize this payment. I received the document, but DID NOT SIGN it as I am unsure as to the application of payments that were made through the trustee. To my surprise, the collection agency ( XXXX or XXXX ) withdrew over XXXX from my checking account without the signed consent. They money was promptly returned to the account by the agency after a fraud report was filed with our bank. 

Several days later, " XXXX '' from the collection agency called my husband directly and went through the details of the Jared account. My husband was never an authorized party on this account. It was NOT joint and XXXX had no authorization to discuss my account with anyone else. This is a violation of my privacy. Again, there was a " representative of the state '' who refused to identify themselves who had " legal papers to serve at my home or place of employment at XXXX. '' After these incredible unscrupulous ( if not illegal ) collection actions, I was shocked today to discover XXXX XXXX XXXX had listed these XXXX accounts on my credit report. Both show a date opened of XXXX XXXX with a first reporting of XXXX XXXX. Both of these listings make an old pre-bankruptcy account from XX/XX/XXXX look current. When I called XXXX XXXX XXXX I was told that these accounts belong to them, but were " out sourced '' to XXXX. When I stated the experience with XXXX, a very rude individual stated that XXXX was not the same as the agency that deducted money without authorization or discussed details of my account with someone other than myself. The customer service representative kept saying " if that is true tell me their phone number. '' I am not sure why there are so many different names involved with this account. ( XXXX XXXX, XXXX, XXXX XXXX ). I am also certain that these collection tactics can not be legal

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: NCC Business Services, Inc.
State: AL

Complaint narrative:
it was a rent to own managed by XXXX al.we were told by realtor that payment would be XXXX a month with XXXX down and coul.d buy the property in 2 years.The payment ended up being XXXX a month.We had already moved in so we decided to tough it out for 2 years until we could refinance.the start date was XX/XX/XXXX.Two years later we tried to go forward with purchase at fair market value but investor didnt want to he didnt want to sell at market value he expected the price to go up and real estate prices hit the bottom.so he said to pay him the XXXX a month not to XXXX.I told him that in XX/XX/XXXX last payment we moved to hotel in XX/XX/XXXX and in XX/XX/XXXX rented another place .we had XXXX invested and lost it all thanks to these people.XXXX has the audacity to report this against my credit report and even use the wrong date .They have XXXX delinquency XX/XX/XXXX if you look at my address history you will see we did not live there so could not owe them rent.we left owing them XXXX but after our deposit and payments they actually owe us.They put it with NCC business services ( XXXX ) i have called them with no response.These people are wrong in what they are doing for one thing do n't owe them a dime and they have ruined my credit.This needs to be deleted from my credit file and the fake ledger they kept destroyed.The dates reported are no good just like their company.I hope no one else has to go through this night mare.Do not rent to own people it 's a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried over 10 times to get my XXXX score directly from Equifax, and their system has refused to release my XXXX score. I tried to call for help over 6 times and they say nothing is wrong but I still can not get my XXXX score. Originally they stated I had a mismatched name but I sent them documentation on XX/XX/2017 showing my proper name and they updated it. I believe the hyphen in my last name is causing a problem with their system. My hypenated name on my credit report does n't match my non-hyphenated name on my Equifax profile. But the Equifax profile does not allow hyphenated last names but their credit report allows hyphenated names. This creates a mismatch that prevents me from getting my score. I have been bounced around to different departments and no one is helping me. The error code shown on my XXXX failed orders is Eval Code : - Status Code : XXXX Reason Code : XXXX but no Equifax agents knows what it means. I also tried to purchase the XXXX score from a different source ( XXXX ) and they can not get my Equifax report data. Equifax is not releasing my credit report. My refinance is closing in a few days and this is jeopardizing my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Starting in XX/XX/2013, Someone used my name and address to create checks, to a fraudulent checking account. I filed a complaint with FTC ref number XXXX and a police report ( report number XXXX. I looked at my credit report, and found XXXX pages these fraudulent checks on it. I do n't know how to get these off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have XXXX unauthorized inquiry on my credit report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, Equifax and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} Equifax shows both XXXX accts the same as XXXX but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
Super high interest, just borrowed {$750.00} loan, i pay them {$240.00} twice a month, every payday and the rates super high n it will come up to almost {$3000.00} for the whole duration of the loan, its yoo much .. 
Name of company Zocal Loans

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