vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Reference current/unresolved complaint against XXXX XXXX, cfpb Complaint $ # XXXX filed XX/XX/XXXX. XXXX has sent the chargeback to US Bank putting my checking account overdrawn by the disputed amount of {$720.00} which was charged on overdraft fee of {$36.00} for a total of {$760.00}. Please refer to the cfpb Complaint referenced above. I believe the client is engaged in fraudulently keeping the two custom tables I made and shipped to her as well as procuring a complete refund via a questionable chargeback claim. As a result of this fraudulent chargeback, XXXX XXXX via We Pay has debited my US Bank account. I have tried to rectify this chargeback/overdraft with USBank with no action on their part. Also, I have never authorized, nor signed up, for overdraft protection with US Bank. My major concern is that my Social Security benefit will be direct deposited on XX/XX/XXXXinto my US Bank checking account. With the existing overdraft, my check will be wiped out leaving me no funds for the month of XX/XX/XXXX. The circumstances at this point in time make this my only source of income.. According to Section 207 of the Social Security Act ( 42 U.S.C. 407 ) my Social Security benefits are protected from garnishment by US Bank or XXXX XXXX. US Bank at this point in time is intentionally slow walking remediation. They have refused to expedite the manner in any way other than by mailing a form to me at their convenience. They are in effect preventing me from submitting the necessary information to mitigate this fraudulent chargeback. US Bank is not guaranteeing me protection of my Social Security funds and has alluded that they will use them to offset a chargeback they were not authorized to make.

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Crystal Moroney, P.C.
State: MI

Complaint narrative:
On XX/XX/XXXX I got a phone call from XXXX he said he was from XXXX XXXX XXXX XXXX. His name was XXXX, he said he was trying to collect a debt I owed from XX/XX/XXXX on a book I rented online. The book was XXXX XXXX XXXX XXXX. Well I didn't order this book online. He wanted me to pay today with my debit card. I have not recieved any letter from this law office in New York.So I did not give this man any information. Went online typed in the number and bingo XXXX XXXX is a very busy man trying to scam peoples money. You might want to check into this. I am calling XXXX XXXX personally tomorrow to see if she has any information of this claim. I will not pay anything without getting written information first.

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 2018-03-28 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: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT ( XXXX XXXX ) DUE TO IDTHEFT APPEARED ON MY TRANSUNION CREDIT REPORT. WERE DISPUTED TRANSUNION DID NOT REVOVE OR DELETED. THAT IS A SERIOUS 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 2018-03-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Student Aid (USA) Funds
State: KS

Complaint narrative:
USA Funds has sold a debt they do not own to another company called XXXX XXXX XXXX. 

The debt in question is currently owned by XXXX XXXX XXXX and is currently being paid through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: CO

Complaint narrative:
I owe XXXX plus interest that has accrued making my total debt close to XXXX dollars. I have applied for reduced payments but they say i dont qualify and my min payment needs to be XXXX   monthly. I am XXXX years olf and make less than XXXX. I feel that i am paining on interest that has been compounded over the years and with my wife being ill i cant afford these payments. I did the repayment by income deal and my payment could be XXXX dollars a month. I would file for bankruptsy but it wont help. Its truly robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I do not reconize this debt as mine, this company has fail to validate this debt, therefor I'm requesting for it to be deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Midwest Recovery Systems
State: MO

Complaint narrative:
On or around XX/XX/XXXX, Midwest Recovery System of XXXX XXXX, Missouri, erroneously reported a debt of {$490.00} dollars allegedly owed by me to XXXX. I promptly sent Midwest Recovery Systems proof ( via cancelled check ) that that amount had been repaid on time to XXXX in XX/XX/XXXX. I believe XXXX is fraudulently attempting to collect money no longer owing to them, and that Midwest Recovery has not been circumspect enough with this account. They have been given ample time to contact XXXX and to remove this incorrect report from my credit reports ( XXXX, and XXXX  ), but have not yet done so. Despite frequent emails requesting or demanding that this hit be removed from my report, Midwest Recovery continues to sit on this, and in the meantime my credit ratings continue to be adversely impacted. 

Don't payday loan companyies XXXX consumers enough? Now they are fraudulently attempting to collect a debt twice, two years after the fact. This is outrageous, and Midwest Recovery is not doing enough to remove this error from my reports, or to contact XXXX to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I checked XXXX XXXX information for my FICO credit score and they reported the following : XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX On XX/XX/XXXX I made several telephone calls to Equifax after learning that Equifax was the custodian/owner of FICO and spoke with their representatives XXXX and later, I spoke with Adreana who transferred me to their FICO Department. I got an outgoing message ( with no options ) that referred me to telephone # XXXX. I called this number and was put into a telephone loop with an outgoing message and no options. 

With no options to speak with anyone and no automated options I telephoned the FTC in XXXX, IL and got an outgoing message that phone here ( XXXX ) is no longer in service. I checked ( on line ) and the only phone number listed for the FTC is in Washington, D.C. at XXXX which I called and only got an outgoing message. 

I then called CFPB at XXXX where I spoke with ( XXXX ) XXXX who advised me to file this complaint. 

I owe no one, have never been a day late on any financial obligations for over 50 years and have a personal net worth in the high six figure range. My FICO score appears to just be a number picked out of the air and is not based upon any valid credit information. I owe nothing to anyone!! 

The FICO score assigned to me is not accurate and no one appears accountable for this unfair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX refuses to remove an inquiry dated XX/XX/XXXX on my credit report on behalf of XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX who apologized for the hard inquiry ( I didn't give them permission to pull my credit ) and promptly submitted an electronic request to the three credit bureaus to remove the inquiry from my credit file on XX/XX/XXXX. XXXX and XXXX removed the inquiry within 30 days, and XXXX did not. I contacted XXXX SIX times between XX/XX/XXXX, and XX/XX/XXXX, asking for an update and trying to understand why they hadn't removed the inquiry. They replied they didn't receive the information from XXXX XXXX XXXX. I promptly uploaded a copy of the letter sent to me by XXXX explaining that they would send a request to the credit bureaus to update my credit file, and have had them resubmit the request over SIX times ( every time I spoke with XXXX and they denied seeing the information ). XXXX keeps saying they don't see the information from XXXX, every time I call XXXX they pull up the dates that they've sent the request. I'm at a complete and utter loss as these two companies keep having me call each other and they keep blaming each other for as the source of the problem. This is a complete violation of my rights, and XXXX did not have the right to access my report. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Dear CFPB, I reside in a area that was directly affected by Hurricane Harvey and was declared to be in a Presidentially Declared Disater Area. It is my understanding that during the Moratorium initiated by an Executive Order from the President from on/or about XX/XX/XXXX to XX/XX/XXXX ; loan servicers ( CMS ) were not supposed to be reporting mortgagors as being late on their loans during that time period ... see below : XXXX " The servicer must suspend the reporting of loan delinquencies to the credit bureaus ... ... ..for borrowers that are impacted by the disaster '' XXXX As of XX/XX/XXXX I checked my credit report with both XXXX  and XXXX  and Carrington has submitted/reported deliquincies to them every month since XX/XX/XXXX until present. As I understand it, this should HAVE NOT occurred. 

I would PLEASE like this corrected as it is very damaging to my credit and causes derogatory information ON my report that is very harmful and possibly causing undue financial hardship as well. 

At the very least, if CMS was going to report derogatory information incorrectly, in spite of legal mandate, it should have been reported/coded it with a notation indicating I was in a FEMA Declared Disaster Area, which was not done. 

All I am asking is that CMS does what was supposed to be done under the law and FCRA be done and I will be satisfied. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.FTC ID THEFT # 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 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I sent XXXX XXXX XXXX a letter in XX/XX/2018, asking them to remove incorrect reporting of the account I had with them. The account was added to my Chapter XXXX filing, but it was not of my own doing. I DID NOT add XXXX to my Chapter XXXX. I paid the account off and asked them to close it, BEFORE, I even knew I would have to file for bankruptcy. XXXX has not responded to this request. They have incorrectly reported that the account was included in my bankruptcy. If they do not correct this matter, immediately, I will file notice with the bankruptcy court and file contempt against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
My XXXX grant was unfairly converted into a loan, even though I am still a XXXX XXXX in a low-income XXXX and sent in all of my proper paperwork/certification of XXXX. 

On XX/XX/XXXX and XX/XX/XXXX an email went to my junk folder with the subject, " A new message is waiting for you to view. '' I received no other communication that requested my verification of XXXX. 

On XX/XX/XXXX I received an email updating my on the status of my grant that converted into a loan. I sent in my signed verification forms, and on XX/XX/XXXX I received an email stating that my form was received. I sent the form again because my account still showed my grant as a loan, and on XX/XX/XXXX I received an email confirming that my form was received. 

On XX/XX/XXXX I emailed asking why my grant was in repayment, despite sending in the proper forms. On XX/XX/XXXX I received a response that my XXXX  grant converted into a loan after I failed to send my certification to their due date, and it can not be converted back in to a grant. 

On XX/XX/XXXX I began paying the " XXXX Loan '' even though I am teaching science in a low-income school as per the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
I received a phone call from a company called XXXX XXXX XXXX, phone number XXXX-XXXX-XXXX. A guy said he was calling about a debt from HSBC about an  account that had been charged off in 2016, they had tried to contact me but I did not respond and in 48 hours he would start legal action against me. I told him I never had an account and asked for the account number he said it would be on the written complaint, which I would receive. He said I could settle the debt for a smaller amount but would not give me the account number. I called the company and they did not an account in my name and then I checked my credit report and called XXXX and I have never had an account with them. I am very concerned because they have all my information and I want to put an end to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
So I have contacted transunion and Equifax serveral times about inaccuracies they tell me its correct which is not the case. So I decided to reach out to the companies myself AND low and behold I get accurate information. So they lie when they say they look into stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I was the victim of identity theft and discovered a fraudulent XXXX   account that had been opened up in my name with my social security number on XX/XX/XXXX. The account had an outstanding balance of {$970.00} that was reporting on my credit reports. I called all of the credit bureaus and ultimate had the account successfully removed from all three of my credit reports. When I called XXXX about the account they told me it had already gone into collection and that it had been sold to EOS CCA, a debt collection agency and that I should call them to file a dispute on the account. I called EOS CCA on XX/XX/XXXX at XXXX to file my dispute. In order to file my dispute I had to give them all of my personal information in order to file my dispute. They originally only had my name and social security number with an address that was not mine and no phone number. I had to give them my billing address and personal phone number in order to file my dispute. They said they would be sending me a " fraud package '' with more information with the information I would need to send them to help with their investigation. I still to date, as ofXX/XX/XXXX, have received not " fraud package. '' However, I have recieved several phone calls and a bill in the mail for {$970.00}, telling me that I owe this on an account. There is no mention of the dispute I filed, and they never had my billing address until AFTER I filed a dispute with them, but instead of sending me a fraud package they went ahead and just started billing me for an account that was reported to them as fraudulent. When I called EOS CCA after receiving a bill in the mail on XX/XX/XXXX the customer service representative, by the name of XXXX, told me that they had not processed my dispute correctly, yet somehow they managed to update the account info with my personal information so they could try an collect on a debt that I never incurred. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report

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 2018-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I received 2 emails regarding a debt, from 2 different companies, each company says I owe a different amount, they both claim to be collecting on the same debt, but they are 2 different companies. I have all the email communications from BOTH companies, and asked for clarification as to which company actually owns the debt and who I should be communicating with, and they have not responded. I am very leery to make payment arrangements when I don't know who actually I should be dealing with. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
SLS had misapplied a payment for XX/XX/XXXX. Because of this they put funds in a suspended account. Beginning in XX/XX/XXXXthey began reporting to credit bureaus that the mortgage was in late payments. I've made several calls trying to clear this issue up. After speaking with different Representatives on different occasions it was determined that the funds that are in suspend we're being held because they did not apply from the XX/XX/XXXX payment. I have emailed copies of my bank statements showing that the payments were drawn in timely matters for each month of the remaining year of XX/XX/XXXXand the beginning of XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX named XXXX that refuse to take my situation up further to a supervisor or remedy the problem that clearly exist. In fact, he told me to fill out a complaint with CFPB instead of actually dealing with the situation and correcting it. I find this in extremely unethical way of dealing with a situation with a consumer. In addition, the email with attachments showing my bank statements has not been opened 5 to 7 days after it was sent to SLS. When I asked why my email has not been open and reviewed I was giving the fact that they were too busy to process the emails. Within an hour after my contact in discussion I received a call from another department at SLS telling me that my current XX/XX/XXXX payment is late. My bank statement shows that payment was withdrawn from my account on XX/XX/XXXX. I am receiving calls monthly that harass this situation to the point that I just ignore them. In addition to reporting late payments, that are not late to the credit bureaus, they are adding late fees over and above what should be assign because the loan payment is not late.

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