vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection 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 2019-04-12 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: OH

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a paying member and the score on site is not the score given to lenders who request you credit report the score given is much lower than what s posted I am paying member XXXX for three reporting agencys

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 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am writing to the CFPB today to report what I feel is unfair practice by TD Bank. On or around Monday XX/XX/XXXX, I applied for a personal loan in the amount of {$13000.00}, this loan was for the restructuring of some debt, to pay off a car, and a credit card. My loan application was erroneously not submitted for 7 days by the branches asst. Manager XXXX XXXX, I finally got ahold of XXXX on the XXXX of XXXX ( after 6-8 calls and messages were left with her ) to let her know that I recieved no update about the status of my loan, which was promised to me within 24-48 hours. She told me that day ( XX/XX/XXXX ) that my loan had been declined. On friday, XX/XX/XXXX, I met with my father at another TD bank branch so that he could cosign another loan application for me, as this money was very important to me. On Saturday, XX/XX/XXXX I got a letter in the mail stating that the loan application ( the one erroneously sent in late ) made on XX/XX/XXXX, was, of course, declined. This started a VERY stressful saga for me that as of Tuesday XX/XX/XXXX finally culminated in me closing on a loan in the amount of {$13000.00}. However my issues go further. Roughly {$470.00} of this loan was used to close an existing loan, which was closed XX/XX/XXXX at the time of closing, the loan was removed from my mobile banking application. However, the morning of the XXXX I checked my banking app for TD bank, and found the loan amount for roughly {$470.00} had reappeared. I talked to the branch asst. Manager who closed my loan, and she stated that the loan was closed, but due to how close the time was between closing and my payments coming due, that I would end up paying an additional {$230.00} payment towards this already closed loan, which would effectively be giving TD bank, an interest free loan that theyre *Supposedly* going to be refunding me in 7-10 days. I urge the CFPB to do everything in your power to please look into this as soon as possible, as I feel this is predatory, and with todays technology issues like this should not exist. 
Edit - I did not realize at this point in time that I would have the ability to send documentation, all of which I do have, I will get it scanned and digitalized for your use upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
I have Dispute XXXX ( ERC Collection ), XXXX Credit Card, XXXX XXXX XXXX. In XXXX 2018-present with the 3 major credit bureaus, asking them to validate the following debt, under the fair credit report act, over three times. Being that this information is not valid. I have also set letters of Validation not vertication to each collection agency, there has been no response or just a copy of bill, that is not proof that These collections are valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I've been an account holder with XXXX/Continental since XX/XX/2017. I have had an auto payment setup on this account to draft over what my minimum monthly payment is for a while. During this time, the auto debits had always been withdrawn from my account under the name Continental Finance. 

On XX/XX/XXXX, the auto payment was made on my account. This time, the auto draft came from a company called XXXX XXXX XXXX. Due to an issue that I had with this company back in XX/XX/XXXX, a block was placed by my bank to stop any ACH transactions to be withdrawn from my account. Being that all my payments have been listed as Continental Finance, I was not aware that this payment was returned. I was told by my bank that the auto draft was attempted twice by this XXXX  XXXX XXXX  company. 

My credit card company, XXXX  Continental, had never contacted me to inform me of a returned payment ; and furthermore, that my account was past due. I have no voicemails, emails or any communications from them. I had attempted to sign on at the beginning of XX/XX/XXXX when I receive my pay to schedule a payment on this card. For a couple of days, their system was down. This was also confirmed by a representative on one of many calls made to rectify this matter. It wasn't until I received an alert from one of my credit monitoring sites that i fell behind on one of my cards.

This is totally unfair. Had I known that my payment wasn't made, I would've rectified the situation immediately. 

This is deceptive since this company has been able to benefit from late fees on this account since the cancelled the auto drafts due to them processing it under a different company name and I didn't even realize that my XX/XX/XXXXpayment was late had I not finally become able to access my accounts online. 

This is abusive for the simple fact that I am supposed to close on my home in the next week and this recent late payment has put me in jeopardy of loosing out on my home and furthermore, losing out on my deposit on hand with the builder who built my new home. 

Their acts and practices benefit them solely as they can collect fee 's and additional interest for their gain while not taking a moment to send me an email, text or phone call letting me know my account was late. They have been no help and have not returned any phone calls requested from someone on a resolutions team.

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 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Here are the following banks that are not returning the fraudulant funds that were charged on my accounts. They show the fraudulant charges creditied but I have no access to them and I don't have the money to make any payments. This has been 6 months ago. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX by Mail XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX I was the victim of the XXXX breech and hackers gained access to all of my funds. I have yet to receive any monies owed to me and was hoping that you could help. Thank you in advance for any help you can give me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX 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 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I spoke with First FederalCredit Control. On XX/XX/XXXX, I sent a letter to First Federal Credit Contro asking them to provide me with the following information to validate a debt 0f {$310.00} from XXXX they are claiming was transferred to them from XXXX XXXX XXXX. I asked them to provide me with the following information : I am requesting that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay First Federal Credit Control. 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my signature for this debt. 3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 4. Proof that the statute of limitations has not expired. 5. Complete payment history on this account along with an accounting of all additional charges being assessed. 6. Show me that you are licensed to collect in my state and your license numbers and Registered Agent. They did not provide me with any of the information that I asked for. They provide a document with supposed information from XXXX XXXX, however, XXXX XXXX is in XXXX, MD, not XXXX, MA. They are not authorized to collect on this account and the information should be removed 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 2019-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We had our credit report pulled and noticed that Capital One posted a late payment on our record. We reached out to them to ask that the derogatory reporting of XX/XX/19 be removed from the credit file. The item was removed. We applied for a home loan and the credit file was clear on the initial report. Once we were in our final stages of closing our financial institution ran the report again and the derogatory reporting showed back up on the report, which caused us to be ineligible for our home loan. We currently have thousands of dollars tide up in a home loan and will lose the money if this is not corrected. We reached out to Capital One and they stated there was nothing they could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am the beneficiary of my husbands IRA account at Synchrony Bank. My husband passed away and I am trying to obtain a check for the outstanding balance to pay off his funeral expenses. I faxed the required documentation ( notarized ) including my husbands Death Certificate over 2 weeks ago. The request still has not been processed. The outstanding balance in the IRA CD is {$6500.00}. I have called on 2 occasions to determine the status of the account. Both times I waited on hold for extended periods of time and was told no one in the IRA dept. had time to talk to me. Both times they promised to call me back, and both times a call was never received. On the second call, I asked to speak to a manager and was told NO. I'm very frustrated with this online bank and at this point don't even know if the bank ever received my fax. I suspect they have since I received a 'successful transmission ' status I faxed it.

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 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$120.00} Never received a call from them or a notice in the mail of the debt. Never gave me a chance to dispute or discuss a solution to the debt. It just ended up on my credit reports three times with different dates at the same amount of {$120.00} of what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: MD

Complaint narrative:
Since XX/XX/XXXX, National Collegiate XXXX XXXX has been pursuing a case about a student loan they said I owe. Over time I have asked them to submit the proof and nothing has been done. Since XX/XX/XXXX, they called and harassed me by phone and mail. I put in a cease and decease letter and they finally stopped and pursued a court case against me. I have submitted letter after letter to the law office and to the court. I have gone has far as sending the published legal case against this company but it has been ignored. I am reaching out because I need legal assistance with this matter but do not have the financial funds for a lawyer. I need to know how do I get help with this matter. The legal tea for NCT has now submitted this interrogatories questionnaire that I do not feel that I need to fill out because it would only be used against me in court. My court hearing is XX/XX/XXXX. I also researched that I had a loan with AES but when I filed for Chapter XXXX bankruptcy, AES cleared by debt entirely and NCT was the holder for them and still they are pursuing this loan. I need assistance with this case as soon as possible. I have attached all the documents I have regarding this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
A couple of months ago I noticed a collection on my credit reports that I have no knowledge of by a agency called Online Information Services. I was informed the collection was from some utilities in another state. 

I then in turned called the original creditor like I was advised to do. The original creditor is XXXX XXXX XXXX. I informed them that I never opened any utilities or authorized any utilities to be opened in my name. I was informed the account was opened online. 

I was advised to dispute the account. I received a correspondence in the mail from online information services which is a billing statement with my name and a wrong address. The tactics this company is using is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We previously filed a complaint regarding a charge of a Faulty Service received by a mechanic shop named XXXX in XXXX, GA who have defrauded us of our monies regarding his claim to repair our Transmission where we paid {$1700.00}. We sent in proof to Wells Fargo Bank twice in XX/XX/2019 & XX/XX/2019. We provided pictures of the Text Messages sent to the Mechanic regarding our continued issues with the vehicle. We also provided an estimate from another Mechanic called XXXX XXXX in XXXX, GA who also confirmed that the vehicle transmission was not repaired and was still leaking. We sent this quote and writeup invoice information to the Wells Fargo Claims Department as well. We sent documentation in 2wice after they claimed they did not receive information. After they received the information again in Feb/Mar this year the claim and temporary credit was suppose to remain on the account because they received proof regarding the Faulty Service received by the XXXX mechanic. However, we receceived another letter today stating they will be deducting {$1700.00} from our account on XX/XX/XXXX! We provided the proof and there only default on the letter is that It was authorized.. We know it was initially authorized, but it was disputed because of the Faulty Service received . Our vehicle was not repaired. It was also similar to the {$500.00} which was part of the same claim number and they stated the credit would remain on the account and this was the same scenario. So how can you state you will be pulling {$1700.00} out of our account and it is relating to the same claim # XXXX. We can not afford to have our monies deducted from our account on XX/XX/XXXX because it will also create an extreme Financial Hardship. Wells Fargo received the information regarding this claim 2wice and reopened the claim today after we called in a 3rd time. However, they stated they are still taking the money out. Our monies should not be taken out of our account because we provided the proof and details to Wells Fargo 3 times and believe the Claims Department is giving us a hard time regarding this matter instead of helping the Consumer who has my monthly Direct Deposits coming into Banking institution and I should not be treated in this ill manner and disregarded as a U.S. Citzen and U.S. Veteran who has served my Country. This action should not be taken out my account.

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 2019-04-12 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: Credit Technologies, Inc.
State: TX

Complaint narrative:
We had our credit report pulled and noticed that XXXX XXXX posted a late payment on our record. We reached out to them to ask that the derogatory reporting of XX/XX/19 be removed from the credit file. The item was removed. We applied for a home loan and the credit file was clear on the initial report. Once we were in our final stages of closing our financial institution ran the report again and the derogatory reporting showed back up on the report, which caused us to be ineligible for our home loan. We currently have XXXX  of dollars tide up in a home loan and will lose the money if this is not corrected. We reached out to XXXX XXXX and they stated there was nothing they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
XXXX did not.disconnect my cable when I asked them to and claimed I was locked into a 2 year contract when i had my package for well over 2 years. By disconnecting my account for nonpayment, then reconecting after I paid my bill they said I was locked into a new 2 year contract. My balance was paid when I called to cancel in XXXX and they continued charging me. I had moved out of their service area and no longer needed their services. They continued charging me almost {$900.00} before finally disconnecting my services. I have disputed with the credit bureaus, the collection agency XXXX XXXX XXXX, and with XXXX. I filed a complaint with XXXX as well. XXXX said they were investigating and would call back in 48 hours and it has been over a week. I called them and they said they do not see an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am a veteran of the MA XXXX XXXX XXXX. When I first enlisted in XX/XX/XXXX I had in my military contract that I was part of the XXXX 's student loan repayment program. From XX/XX/XXXX-XX/XX/XXXX, all military contracts had the student loan repayment program in them. Over the span of 4 years I have done my part. I have filled out correct forms and documentation needed for the XXXX AND my student loan company to take over my student loans. For the past 3 years I have not been sent any documentation from my student loan company that this is being taken care of. According to a phone call on XX/XX/XXXX my student loan debt is now with a collection agency that I had to ask the name and contact information for because I have not been sent any paperwork or information. Every time I contact my student loan company I get the same response. They need paperwork stating my dates of service in the XXXX XXXX XXXX. I have sent over multiple forms, multiple times stating my dates of service and that I am entitled to have the XXXX pay off my loans because that is what was in my contract. I keep getting the runaround from my student loans. I know Navient ( formerly Sallie Mae ) is undergoing a class action lawsuit because of things they have done to their borrowers. They are not acting in favor of me, the borrower and creating obstacles for me. I have all documentation that they have requested. Including dates of military service and my military contract stating I have the XXXX 's student loan repayment program in my contract with the military. A veteran should not have to be struggling so hard with something like this. It is unforgivable.

Company response to consumer: Closed with explanation