vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
I paid XXXX accounts with Americollect inc. on XX/XX/2021 for the amount of {$85.00}. 
Account number : XXXX {$10.00} Account number : XXXX {$50.00} Account number : XXXX {$25.00} I contacted them today, XX/XX/2021 to find out when this will be removed from my credit report. I was told by both the agent and the supervisor, XXXX, that it will remain on my credit report as a derogatory account, but will be marked as paid. XXXX also claimed they report daily to the credit bureaus, yet as of today, it is still listed as unpaid. I was told I would have to fill out a paper and mail it back and they would review it, and may make a 'complimentary ' removal of it. I was told by the rep that no accounts will be removed until all the separate accounts are totally paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Date XX/XX/2021 check in the amount of {$1000.00} debited from my account as a mortgage payment for the XX/XX/2021 payment to XXXX XXXX. Date XX/XX/2021 a Visa Credit Card Payment in the amount of {$1000.00} was debited to my Visa  on XX/XX/2021 for the XX/XX/2021 payment to XXXX XXXX. My mortgage was sold to CMC Loan Services and I did not receive one of the loan payments listed above. I have called CMC loan Services four times and have not been able to make any progress in resolving the matter. I keep getting asked to submit proof of payments which I have done three times since XXXX and they will not open a ticket number or start a resolution process. CMC Loan Services keeps stating I have not submitted the required forms, even though I read the auto responses I have received from my submission. Operators refuse to get a supervisor for me to speak to and say there is not timeline to resolve.

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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
i have been getting debt collection notices from Cach llc and the law firm XXXX, XXXX and XXXX. These companies say I owe them {$24000.00}. The original creditor is XXXX XXXX XXXX. The debt I assume was sold to Cach LLC for collections. the Law firm is trying to recover the debt on behalf of cach LLC. I have never taken a XXXX XXXX out from XXXX XXXX XXXX. XXXX XXXX XXXX  told me that XXXX XXXX financed the loan. I called XXXX XXXX and they told me they have no record of me or that loan of {$24000.00} The thief who took out the loan used an old address that I lived in over 9 years ago ( XXXX XXXX XXXX XXXX NJ, XXXX }. I moved out in XXXX. XXXX XXXX XXXX  told me The loan was taken out on XX/XX/XXXX. I Have lived at my current address for over 9 years. This fraudulent debt has been on my credit report for over 4 years. 2 years ago i asked Cache llc to validate the debt. they sent me a validation letter. I have not heard from them since, that was in XXXX, XXXX XX/XX/XXXX, XXXX I received a letter from XXXX, XXXX  and XXXX. threatening to sue me if I don't respond in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I have an unknown collection account on my credit.I was not contacted by the collection agency so I was not aware of the debt until I viewed my credit. I called and was not able to reach anyone so I sent them a letter by priority mail which they have received. To date, the account remains on my credit and I have yet to get a response from them. However, the bureau alleges the account has been verified as belonging to me when it doesn't

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provides but one month they notified me 30 days later that they never received the payment. I hadn't printed the confirmation because it has never been a problem I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but not had success. Its my only late pay with them and it wasn't my fault. They acknowledged that it may have happened since they have intermittent problems with their website and others have had similar issues that i know. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Capital One and XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Curfin Holding Company, Inc
State: IL

Complaint narrative:
Greater Chicago Finance Company I had spoke with them in XXXX XXXXPrevious to this they kept making hard credit marks on my credit score every 3-6months. I confirmed my place of work and my phone number and my address. I told them I was going to make small payments which I have been. I made small payments to them. 
When they called my job I answered the phone and I was told that if I did not pay them an amount of at least $ XXXX/Month they would garnish my wages and that they already had a lawyer and that I was going to have to pay for court fees and lawyer fees. 
I told them I wasn't hiding and that I could send them payments but I am a single mother and I have to pay other things. Since then I have send them payments and they already know all my information. Today XX/XX/2021 they called my job again and asked to Speak with my Supervisor by name. Later the owner called me and she let me know that they have been calling nonstop and that they have also send them paperwork regarding my debt. My employer was informed that I was not paying a debt to them and private information that I am unsure why Greater Chicago Finance has done this ; especially since I gave them all my information and I have been paying them and they had confirmed in XXXX that I do work where I say I work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Navient Solutions, LLC.
State: AK

Complaint narrative:
I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to NAVIENT was discharged. NAVIENT was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX for " collection '', which is totally ILLEGAL! Now, both XXXX AND NAVIENT are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
i have 2 accounts with lending club and 1 of the accounts i went on default because of covid i informed them of my situation but received no additional help i tried to have them refinance but they refused. On my second loan i have been paying on time every month because is with a co signer and he is the one paying it i have spoken to lending club about my situation and representatives say their is nothing they can do not im getting about 10 calls a day all day long and everyday for the last 2 weeks i feel harassed by them and they dont stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX is in violation of the Fair Credit Reporting Act. Which is section 603 ( 2 ) Exclusions. A consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( the person citing XXXX XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

That is two violations. I can cite more but I hope XXXX XXXX understands that they violated my rights and is a defamation of character because it is a violation of my right to privacy as well. I will attach the direct verbiage from the fair credit reporting act. I can also seek compensation up to {$1000.00} for each violation under the fair credit reporting act alongside the FDCPA.

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 2021-02-18 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: NY

Complaint narrative:
XXXX XXXX is in violation of the Fair Credit Reporting Act. Which is section 603 ( 2 ) Exclusions. A consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( the person citing XXXX XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

That is two violations. I can cite more but I hope XXXX XXXX understands that they violated my rights and is a defamation of character because it is a violation of my right to privacy as well. I will attach the direct verbiage from the fair credit reporting act. I can also seek compensation up to {$1000.00} for each violation under the fair credit reporting act alongside the FDCPA.

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 2021-02-18 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Portfolio Recovery. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00}. The Account Opened is Portfolio Recovery Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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.
State: DE

Complaint narrative:
I attempted to use my Citi credit card and was declined. I stood in line attempting to contact customer service but could not get a real person. I tried to use the app. They informed me that they had multiple accounts under my name. Citi is not trying to protect my identity they see multiple accounts and are doing nothing. When you ask they to just close the accounts and refund the annual fee because the servicing is bad. they are refusing to close the card they just want to send me a new card. This is typical CITI refusing to close accounts. 

CITI is taking advantage of me, i still can not understand if my identity was stolen, and they are refusing to close the 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 non-monetary relief
Consumer complaint received 2021-02-18 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: AL

Complaint narrative:
I keep sending letters to Equifax to fix an account that is wrong on my credit report. The account with XXXX XXXX was paid in the summer of 2020, but Equifax has the account reporting as derogatory. It is not showing that the account is paid. I need to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: NC

Complaint narrative:
I opened this account as a loan in XX/XX/XXXX at the total finance charge of XXXX. Since then Prestige has been paid over XXXX. The car book valve was XXXX in XXXX for the XXXX XXXX. It was agreed to pay a total of XXXX. 

Prestige Financial has been paid more than XXXX from myself, XXXX XXXX XXXX XXXX, GAP Insurance and XXXX XXXX XXXX Car lot. I was in a car accident on the job on XX/XX/XXXX in which the car was declared totaled. The accident was the fault of the other party who admitted the car accident was her daughter 's fought in the accident I received a sprang back and could not go back to work. 

The insurance company paid the book value of the car which was over XXXX, GAP insurance paid over XXXX, XXXX XXXX XXXX paid XXXX, and GAP paid an additional XXXX. Prior to theses payment I had already paid Prestige over XXXX. At the time of the accident the book value of the car was only XXXX. 

The car was sold in XXXX by the insurance company. I do not have possession of the car nor have assess the the title of the car. Prestige can not provide me with a contract after receiving full payment of this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZuntaFi Corp
State: UT

Complaint narrative:
ZuntaFi sent a notice that they are willing to settle a defaulted student loan debt they claim to be servicing. My student loans are not in default, nor are they serviced by this company. There is no information about disputing the debt in their collection letter. 
Attempts to reach the company by phone are unanswered and in the meantime they are reporting the defaulted debt on my credit. There is no debt owed, I am in good standing and my servicer is XXXX according to studentaid.gov. 

Searching the internet on this company, they appear to be doing this to a lot of people. I am considering bringing a lawsuit against them under the fair debt collection practices act, but wanted to ensure they are reported to the government for running this scam so that perhaps you can hold these people legally accountable, because I can imagine many people would fall for this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
I settled a debt with a collection agency representing XXXX on XX/XX/2021. Attached is the entry from my credit card provider for the settled amount. 

I have made two requests with XXXX  to correct my credit report ( also attached ) and both times they have settled the dispute stating the item is accurate. 

I just want my credit report to report correctly and it's apparent that XXXX has yet to take my dispute seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AL

Complaint narrative:
I keep sending letters to Transunion to fix an account that is wrong on my credit report. The account with XXXX XXXX was paid in the summer of 2020, but Transunion has the account reporting as derogatory. It is not showing that the account is paid. I need to get this fixed.

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 2021-02-18 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: TX

Complaint narrative:
On XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
To whom it may concern : As the only computer literate in our family, Paypal is the only virtual wallet account where I could get my income from XXXX. However, as soon as I created my paypal account, paypal have put limit on it making my account prohibited from sending and receiving any money. I have talked about this with them but they poorly responded with what I can do regarding about this. At this point I think they are not doing their job very well. After a week, I received an email from then saying I can no longer use paypal for no reason at all. I am worried because they only not closed my account but also hold my money ( XXXX $ ) for 180 days. They did not even state if they ensure I will get my money. I hope this complaint finds you well as this is my only source of income.

Company response to consumer: Closed with explanation