vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I signed up for XXXX XXXX XXXX TV services in XXXX of 2018. I was promised a promotional rate at that time for Premium Channels and had documentation to prove it. On the day of installation I noticed the channels were not active and called XXXX  customer service. After hours on the phone I was told they would not honor the rate promised and I cancelled the service that night. At the time I was promised I would owe {$0.00}. Over a year later now a Collections Account from Franklin Collections SV for this amount on XXXX XXXX behalf has showed up on my credit bureau report impacting me. I have proof that the service was never used and that the account was closed the same day it was installed. How do I get this rectified as it is impacting my credit at this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have one last issue still outstanding : My account dispute has been resolved. The conclusion was my account has been re-opened. Two late fees removed. However, there is still one outstanding late fee on my account. Also, there was a letter stating that all late fees will be updated via the credit bureau ( all three reporting agencies. ) As of right now, the account is still reporting negatively on my report. I need my report to be updated with update of the results from the account dispute. In other words, the account should be reported showing as follows : Open Paid on Time Which notates the two recent payments of {$250.00} and {$170.00} I need a letter stating this information to submit to the bureaus, if the need arise in the future. 
The company stated my report ( all three ) would be updated. Not Completed The late pays to be removed. Not Completed A letter notating the account reopened ( no longer closed ) and reflecting the payments. Therefore, the late pay fees should be credited. Not completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
Rise Credit issues a short term loan to my sibling who took it out in my name. When I found out about it I attempted to resolve it but the rate was insanely high and they wanted a payment that was astronomical every other week instead of monthly as they stated to me after I found out. The account was unattainable and went to collections. I was able to settle the debt through the XXXX XXXX XXXX and they assured me in exchange for the settlement it would reflect paid in full and the Rise would be deleted from my credit report. being naive and wanting this resolved quickly I took them at their word that both companies ( Rise and XXXX ) would be deleted from my credit report. That still has not happened and when I dispute it through the creditors with the information I do have they state that it has to stay on my credit because it was purchased by another lender. I've reached out to both companies and they refuse to help me understand why I was misinformed by their representative and What benefit they have to keep trying to smear me and they just hang out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc.
State: TX

Complaint narrative:
someone stole my information and opened a loan in my name i contacted the company sent the documents over 3 seperate times and just was left a lawsuit paperwork on my front door this account was opened fraudlently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: SC

Complaint narrative:
My dispute is not with the medical bill that was owed/paid. It is with the not acceptable collection tactics used to attempt to collect a debt. When I received the original call from this company I specifically and verbally informed them to cease and desist all communication with me and to NOT contact me again. They continued to argue with me and told me they will continue to call me or put it in writing. Under the FDCPA when a consumer verbally tells a third party debt collector to cease and desist whether verbally or in writing they are to cease all collections on the account. The FDCPA does not state it must be in writing. Once this call was over I immediately called the original creditor to file a complaint against these clowns. I spoke to the manager of the billing department for XXXX XXXX XXXX. I expressed my concerns over the third party collection practices used to collect a debt. The collection manger apologized for their unprofessional tacky actions and I was assured they would pull my 2 accounts placed with them. The collection manager further assured me I would receive no more contact from this company. On Tuesday XX/XX/XXXX @ XXXX est I get a call from wyndham Professionals and their manager XXXX . When he first called me he said " hey XXXX he id self and company I had no idea who they were because it was awhile since I spoke to them, he then says I am calling you regarding a debt you have in my office and wanted to follow up with you per the conversation we had over a week and a half ago. Once I realized who it was I was livid and told him you were already warned to not call me again over this debt he began to argue with me and I ended the call. This wan na be manager/collector disclosed I had a debt with them and did not fully authenticate me further more did not read me the mini miranda prior to disclosing I had a debt with them. In addition the debt he was calling me on was paid in full the other debt was placed with another collection agency and will be paid in full XX/XX/XXXX. 

This third party collection agency violated my rights under the FDCPA and continued to call me after I verbally told them to NOT call me back, also their client pulled the files and told them to NOT contact me. I get a collection call on XXXX XXXX  over a debt that was paid directly with the client.

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 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25 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: TX

Complaint narrative:
I never made any late payment, the creditor acknowledges that, due to their internal bureaucracy they have not update their system to remove any late payment remarks,

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 2019-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I was a victim of identity theft and person used information to open a XXXX XXXX card and purchased furniture with some of my information. 

I disputed this account and purchase with XXXX XXXX XXXX and was cleared by their fraud division. They sent a letter and had the account removed from my credit and provided a copy I have as well. 


I saw on my credit report a collection agency by the name of Simons collection agency and have disputed this with them directly. 

I was advised that I should fax in the information from the fraudulent XXXX XXXX card clearing my name and they would review it. 

I faxed the documents about 4 times and they never received them. I later delt with a representative by the name of XXXX XXXX who had my email them the documents to review. 

I later followed up with XXXX who told me these document are not debt they are collecting even though the amounts are the same. He later told me he was requesting a file from the company directly. 

My complaint is I was cleared of this Debt and the company most likely purchased this debt from XXXX XXXX or was hired in an attempt to collect on a debt I was cleared from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc.
State: WI

Complaint narrative:
I received a letter on XX/XX/XXXX informing me that I had an unresolved balance, there was no amount provided, but I should make a payment. I have never heard of this company, let alone done any business with them, or any lender of this nature. A phone call to the number provided, yielded no further information without providing the last 4 digits of my SS number. I declined and asked for them to provide the balance information in writing. They declined.

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 2019-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
On about XX/XX/2019, after living abroad for 9 years, I returned to the US to find an errant collection account from CAINE & WEINER on my XXXX and XXXX  credit reports. After providing an Affidavit of Dispute to Caine & Weiner on XX/XX/2019 indicating that I do not owe money to the original creditor XXXX XXXX, they have failed to respond in any manner. 

My Affidavit of Dispute demanded that they validate the debt by delivery of a written contract bearing my signature among other methods. I also demanded they cease collection activities and remove their erroneous and damaging negative reporting to the collection agencies which is causing me financial harm. 

I understand that Cain & Wiener has violated 15 U.S.C. 1681 and 15 U.S.C. 1692 by failing to respond, failure to cease collection activities among other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was a victim of identity theft and person used information to open a Raymor Flannigan card and purchased furniture with some of my information. 

I disputed this account and purchase with XXXX card service and was cleared by their fraud division. They sent a letter and had the account removed from my credit and provided a copy I have as well. 


I saw on my credit report a collection agency by the name of XXXX XXXX   XXXX  and have disputed this with them directly. 

I was advised that I should fax in the information from the fraudulent Raymour Flannigan card clearing my name and they would review it. 

I faxed the documents about 4 times and they never received them. I later delt with a representative by the name of XXXX XXXX who had my email them the documents to review. 

I later followed up with XXXX who told me these document are not debt they are collecting even though the amounts are the same. He later told me he was requesting a file from the company directly. 

My complaint is I was cleared of this Debt and the company most likely purchased this debt from Raymour Flannigan or was hired in an attempt to collect on a debt I was cleared from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX, Experian, XXXX and XXXX is unlawfully reporting XXXX   XXXX/XXXX//XXXX  tradelines account no.XXXX  after the sol expired on XX/XX/XXXX. 1st delinquency was XX/XX/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 2019-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a purchase at The Home Depot at XXXX XXXX XXXX, XXXX Fl. on XX/XX/2019 and at the same time applied for a Credit Card. I made it clear that I was paying for the product with my Debit Card and was not charging anything on the credit card. I paid with my debit card and the cashier also put the same purchase on the credit card. I have called Home Depot corporate office, been to the store twice, called the credit department twice, written the credit department but to this day, The Home Depot will not remove the charge from the credit card. The purchase was for {$82.00} and now with late fees the balance on the card is {$150.00} and they continue to send me a bill in the mail.

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
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX AND XXXX IS UNLAWFULLY REPORTING XXXX XXXX/XXXX XXXX TRADELINE LOAN NO.XXXX, SOL EXPIRED ON XX/XX/XXXX, 1ST DELINQUECY XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Innovis
State: AR

Complaint narrative:
XXXX AND INNOVIS  IS UNLAWFULLY REPORTING XXXX XXXX/XXXX XXXX TRADELINE LOAN NO.XXXX, SOL EXPIRED ON XX/XX/XXXX, 1ST DELINQUECY XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am not able to understand I applied for Hardship on XX/XX/2019. I had no idea it will be a tedious process. It is taking forever. I submitted complete Bank statements still Mr. Cooper is asking me for complete Bank statement. Well, the bank statements are already complete. I have XXXX XXXX XXXX and Mr. cooper should be able to understand this, this is ridiculous. they are unnecessarily dragging the matter.Please see the bank statements and the screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.

Complaint narrative:
My card is Citibank Credit Card, which is currently no more with me as I disposed the card. The sales person come to me was not understanding English and so I asked him to give me back the documents or else arrange call from office before processing my documents. However the card was activated without any verification with me. On XX/XX/XXXX, while trying to update my XXXX details, I was facing problems to login my account stating my credentials entering are wrong. Hence on the same day I sent a mail to XXXX to resolve the issue and to close my a/c. No response I received. Subsequently I called to customer care and paid my dues completely. After completely paid my dues I called to customer care and requested to close/deactivate my card as I dont want to continue. They confirmed over phone its deactivated. This confirmation over phone I had taken two three times as I was no mail ids to contact. Even my previous mail Id was unanswered. Post that this year in XX/XX/XXXX onward suddenly I started to get messages in dues to be paid. I contacted customer care. The executive who attended my call insulted me saying there is no such card in their records. Now the due amount is increasing day by day and I am getting messages regularly nowadays which is an integrity issue on my credibility. Now I am not ready to pay even a single rupee to them as I had mailed and informed over phone that I wont be liable for any charges arising out of this card as I got closure/deactivation confirmation of that card. Hence I want to stop this message sending to me and wants to close the entire relationship with Citibank credit card group w.r.t. this card

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 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a issue with capital one buy power card few months about me paying my card off every month and I was charged interest even though I paid my card off every month. At the time I called they dispute the charge because it was there mistake, now it was done again after I paid my card off before the due date. Capital one is stealing money from me and cant even explain the issue on why. Everyone I called did nothing after I was charged for interest for no reason whey card is paid off every before the due date. This is out of control.i was charge {$8.00}, the charge is not the issue, the issue is your stealing form customers after they pay off their debt before the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
XX/XX/2019 {$270.00} Used XXXX XXXX account with zelle to send for service. Service never happened and blocked by user. XXXX was number used by scammer. XXXX/ XXXX is name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
Cash aisles online payday loans charge XXXX for XXXX if you make monthly payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
This year in XX/XX/2019, I sent Navient an IDR form letting them know I have no income, due to XXXX  XXXX and being left destitute by my abuser. Yet on XX/XX/2019, they harass me by letting me know of amounts like {$26.00} is due. They accept the IDR form, yet they continue to harass and charge me. I have no income, money, nothing. Its predatory. I've defaulted on my loans, then filled IDR forms, due to a history of poor health and abuse. Yet they harass and badger me after they accept the IDR form.

Company response to consumer: Closed with explanation