vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I added a guy on XXXX  that goes by the name XXXX   he lives in the XXXX and he posts videos of him buying item clothing and electronics and shipping it to people that buy from him, I bought a XXXX from him on the XX/XX/XXXX he said the XXXX would come between XX/XX/XXXX- XX/XX/XXXX i sent him {$110.00} for the XXXX, I then messaged him for the tracking number and he didnt answer I then messaged him again and he blocked me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card. 

They left out the last conversation I had with them and lied about our last conversation. The line was recorded and I remand you ask LoanMe for a recording of our last conversation where they would not accept my payment due to their inability to process the payment with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I have filed a FTC complaint against TSI for misrepresentation I have requested proper legal documentation from TRANS WORLD SYSTEM #  XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT. 
This is a fraudulent attempt to collect a debt that is being misrepresented on a unverified account with no verifiable account numbers, no date of late activities and several other FDCPA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I can get my credit report on XXXX XXXX for XXXX and XXXX XXXX but Experian says no data available. 
I have no debt and I have paid XXXX XXXX to assist and still nothing. 
I cant build credit because Experian. 
So how can XXXX XXXX pull data and Experian not? 
To me this is a scam because Experian says I qualify for loans and then I am denied the loans causing inquiries to add up. 
Experian is causing the problems and charging me to see Credit report when they have no score. 
This is negligence and fraud any lawyer and judicial court can see 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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent out at least 2-3 letter asking the 3 credit bureaus to verify and investigate the Bankruptcy they say is accurate and has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to 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 explanation
Consumer complaint received 2019-08-23 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: GA

Complaint narrative:
I have sent out at least 2-3 letter asking the 3 credit bureaus to verify and investigate the Bankruptcy they say is accurate and has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to 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 explanation
Consumer complaint received 2019-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent out at least 2-3 letter asking the 3 credit bureaus to verify and investigate the Bankruptcy they say is accurate and has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried from the beginning of XX/XX/XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
On XX/XX/XXXX I received an escrow analysis. The company showed a shortage and is attempting to increase my mortgage payment by about {$250.00}. The reason there is such a significant increase is due to the company paying my property taxes in full versus bi annual installments. They were paying in full because in XX/XX/XXXX I found they failed to make my tax payment putting me delinquent in my tax payment. 
I contacted customer service to have my taxes changed to bi annual payment and a new escrow analisys completed because of the original company error. This contact was made on XX/XX/XXXX. I was informed that the payment could not be changed because my county offered a discount for full payment. I contacted my county, this was a lie.

I called again and it was escalated to a manager that  followed up and said I would receive a letter sometime in XX/XX/XXXX or XX/XX/XXXXand I could change to bi annual  payments at that time. Finding this unacceptable is called again. Representative XXXX said she would look in to it further and call back within 48 hours. No call back. 
I again have hours into fixing a problem created by this company and have no answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc.
State: OR

Complaint narrative:
I have received many notices regarding a debt that is not mine. I do not know what this debt is for and it is not mine. I believe it may have been due to a previous tenant at my home based on talking to the company, but the debt is absolutely not mine and many attempts to dispute this have gone unresponded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: GA

Complaint narrative:
I have tried from the beginning of XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: WI

Complaint narrative:
Today I learned your organization has reported a balance of {$210.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. 
I have requested additional information from your representatives via phone but have not received any original documentation showing dates of service or information regarding the patient. 

Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately. 

Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
In divorce settlement the ex took the car and signed me up as co-owner and than didnt pay. Car was repossessed and now thats on my credit report when i dont have nothing to do with car Credit agency saying lease company is throwing it on me as well because name was on lease. 

But i sent them all documents of divorce and still nothing. Now i cant even dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried from the beginning of XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried from the beginning of XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In divorce settlement the ex took the car and signed me up as co-owner and than didnt pay. Car was repossessed and now thats on my credit report when i dont have nothing to do with car Credit agency saying lease company is throwing it on me as well because name was on lease. 

But i sent them all documents of divorce and still nothing. Now i cant even dispute

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 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank extended a debt consolidation loan with an interest rate based on an interbank transfer. TD Bank can not or will not process the interbank transfer document causing multiple collection calls. Attempts to rectify have met with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I loss my paper work, the date and the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
I have sent the following letter to Franklin Credit Management Corporation after a series of very unsatisfactory telephone calls from me to them trying to sort out the issues described below : To whom it may concern : I have been in contact with your office by phone XXXX XXXX ) multiple times over the past month in an attempt to resolve an issue of outstanding payment that you have identified as a " deferred interest payment, '' but have not been successful in receiving clarification of the several different narratives that have been presented to me regarding that issue. 

You will note that the statement dated XX/XX/XXXX shows a {$0.00} balance on the loan referenced above, after having received a payment of {$1100.00} on or around XX/XX/XXXX, representing the final balance figure given for the previous month. You will also note a long history of timely payments - as well as a note on this statement indicating that " if payment is received after XX/XX/XXXX, {$0.00} late fee will be charged. '' You will also note that on the statement dated XX/XX/XXXX, there is a description of " Transaction Activity '' that shows that there has been a {$48.00} " Late Charge Assess ( because full payment not received by XX/XX/XXXX ) '' even though the balance of principal and interest is still shown to be {$0.00}. 

Additionally I have attached a copy of a letter dated XX/XX/XXXX indicating that there is a payment due of {$1900.00} plus late charges, for a total amount due of {$2000.00}. When I have inquired by phone about this payment and asked for a copy of the terms to which it refers, I have only been told that the payoff amount is {$14000.00}. 

I think any reasonable and rational person would determine that all of these things can not at the same time be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
We fell behind in our mortgage with Seterus , Inc. who was bought by Mr. Cooper. I have spoke to our representative who advise us to send payments in and they will put it into an expense account which we have done. Ive asked for a repayment plan to avoid any forecloser and they advised we need to do this. Now when I check our account the money we sent them is coming back to us. We can afford to be on a repayment plan. 
In the past couple of years I havent had the opportunity to work in the summer. Im now working 2 jobs as well as my husband. We are able to make our monthly payments which we have been doing we just need to catch up on the 4 months were back and would like to add to our monthly payments over 6 months to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested that Equifax verify the accuracy of a bankruptcy that is reporting on my credit report. Equifax mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, Eqifax is not telling the truth. I will upload the letter I sent to equifax, the response from Equifax, the opt out letter from XXXX, and information from the US banruptcy court stating that they do not report to credit agencies. Please investigate these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
XX/XX/19 they tried to withdraw XXXX by using a check they wrote themselves. They do not have a signature. I never sign anything without using a signature and no there threatening me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Mom mortgage was paid off in full he with the FHA loan was paid off in full is not showing went dead my home was paid out and that is incorrect when issuing debt is the status of zero but is  not sure when it is paid off in full with my school could be raised up also with the public record with the bike website that was paid off that was dismissed that needs to be corrected also I notice he stays on your credit for seven years but I still need to be updated it is and Not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I was contacted by XXXX XXXX a Finance Director at XXXX Ford In XXXX Ga making threats to me and stating facts about loans and accounts on my personal credit file. I then pulled my credit file and saw that XXXX XXXX has pulled my personal credit file on a soft inquiry several times without my Permission. Then i received a call from my Insurance agent XXXX XXXX and he stated that XXXX XXXX called him asking him personal question and clearly knew about several accounts on my clients credit file. XXXX XXXX contacted me XXXX XXXX XXXX and the NC Insurance Commission and file a report concerned that XXXX XXXX with XXXX XXXX is using XXXX XXXX XXXX information to hurt him. I have file a police report and contacted XXXX Consumer affair fraud department to get a IP Address trace and the IP Address come back to XXXX XXXX and he's personal login. I scared this man is trying to use my Identity to hurt or to do financial ruins. I used to work for the office of the XXXX XXXX with XXXX and my Federal Trade Commission ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Around XXXX of 2019, I sent a letter to Southwest Credit Systems about a debt I allegedly owe, for not returning some cable equipment from XXXX, I have asked repeatedly for verification of this alleged debt, have received no response, I have even made an offer and attempt to pay, so it can be taken off my credit report, and was refused. I have returned the cable equipment so this alleged debt should not even be owed

Company response to consumer: Closed with explanation