vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I did not receive any notification that this debt was sold to XXXX XXXX XXXX XXXX nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
Run my XXXX credit three times on X/XX/2017 I only authorized one of those inquiries last four digits of my social security number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I  contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have contacted the bank regarding loan mod paperwork - the point of contact and superviseor do not return phone calls and emails are auto-generated stating they are " out of office. '' The Bank dual tracked me to Foreclosure and are still practicing Dual-tracking to foreclosure when I have income to pay my mortgage and am trying to get a loan modification.

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 2017-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XXXX XXXX 2017XXXX a person bought merchandise from me through PayPal. The buyer used a credit card on PayPal and made four {$XXXX} transactions and a {$XXXX} transaction. I shipped the items he purchased and submitted the tracking numbers to PayPal. After receiving the items, the buyer attempted to scam myself and filed several disputes with PayPal on the transactions. PayPal started deciding against the buyer and the buyer did a charge back on one item as a duplicate payment to circumvent the PayPal process. I contacted PayPal and they actually stated to me that buyers could do this and there was nothing they could do about it. It was the only way that a person can be scammed on their website. They also stated that the buyer would not be punished for this behavior. I am out {$XXXX} because of this issue and PayPal took the {$XXXX} from my account with them despite having compelling evidence that this was a scam. I requested that I be sent the financial institutions name and phone number that way I could contact them directly and they have refused to provide the information. PayPal must be held equally liable for assisting in a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: Marlette Funding, LLC
State: GA

Complaint narrative:
Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of BEST EGG/SST. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that BEST EGG/SST have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX I was noticed a charge of {$420.00} on my checking account and it was a debit card charge from Navient. This was very shocking to me because I 'm in school and all my loans are in deferment. I called Navient the next day and I was told that I have on a recurring payment plan and that I had been on the plan since XX/XX/XXXX. I was then told that this plan was not canceled and I would have to pay the {$420.00} but all future payments would be canceled. I told them that his does n't make any sense because I was under the impression and once I 'm in school student loan payments stop. They proceeded to say that they have been attempting to take {$420.00} every month since XX/XX/XXXX but had been decline due to insufficient funds in my checking account. I never got a letter or phone call or email stating this. When I started going to school in XX/XX/XXXX I called Navient to notify them that I would be going to school and they said that nothing on my end had to be done and that the school will notify them and then at that point my loans will go into deferment. They refused to credit me the {$420.00} and I 'm having to go through my bank to file a claim in order to get the {$420.00} back. I 'm very dissatisfied with the disrespect and lack of sympathy this company has for its borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
I am being sued for a mortgage that was improperly foreclosed on and was taken to a Federal Class action Law Suite . I was awarded XXXX toward this instance and am now being sued for the difference of a XXXX mortgage. I have attempted to fax information about this to the company, have sent certified mail in regards to this. They have dismissed this and have now served me with a summons and are taking me to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: OR

Complaint narrative:
This has happened more than once, and I have a documented voice mail from XXXX at Caine and Weiner where they threatened my credit report unless I pay them today. This sounds like a predatory  practice from a debt collector that I think should be stopped. XXXX XXXX XXXX : You 've got a new voicemail from ( XXXX ) XXXX. Transcript : XXXX this is XXXX. I 'm calling with Canaan whiner this is in regards to the outstanding balance for XXXX reference number XXXX. unfortunately it has now been 2 months in collections at this point. It will be affecting your credit rating unless we could get payment today. Please call me at XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
0n X/2017 I received a debt collect notice from Flanklin Collection Services in XXXX, MS XXXX case # XXXX for {$300.00}. This collection notice is for services of Data to me by XXXX XXXX XXXX account # XXXX. This collection is for overcharges of used Data for a Tablet that I got when I installed XXXX XXXX services at my home. I did not request the Tablet. I was disputing these charges. They kept charging me when I was requesting for them to take the Tablet. When I saw the charges I called XXXX XXXX XXXX, they did not want to take the Tablet back. They said that it passed the 15 days of grace period that I have keep it and pay the charges. I called them within a month. I disputing the case XXXX XXXX XXXX XXXX when they cancelled Tablet services, the XXXX XXXX service and charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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 disputed the bankruptcy filing and submitted my FTC report to Equifax, they indicated they was removing the accounts ( Bankruptcy ) and it still appears on my credit report. I have attached a copy of there response regarding their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. BOA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.

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 2017-08-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been dealing with Experian credit bureau concerning a bankruptcy they are reporting since XXXX 2017. I have went back and forth with this company concerning this entry and they have done nothing to help me or remove this inaccurate entry. They have not showed me or verifyed any proof this is my debt. I am sending documents to help with my case because they are breaking the law in this case.

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 2017-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: POPULAR BANK
State: IL

Complaint narrative:
I have been a customer of XXXX XXXX for my 2nd mortgage and they have reported incorrect information on my credit on multiple occasions. I have spoke with them many times and each time they tell me I have to submit a report to have them fix their issue. I make my payments 2 weeks ahead of time to avoid any potential late payments, but somehow they keep reporting errors on my credit. All I want is they to get their act together and stop reporting wrong information hurting my credit stating I once again made a late payment even though I did not.

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 2017-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter about my Wells Fargo branch closing in the future about a week ago. Last Tuesday, XXXX XXXX, I called the number provided in the letter, ( XXXX ) XXXX, for next steps as I have a safe deposit box scheduled for closure. I requested an appointment as soon as possible, but because of XXXX and XXXX XXXX closures, my appointment was made for today, XXXX XXXX, XXXX at XXXX. When I spoke on the phone to the branch last Tuesday, I was assured that I would have an appointment at both the XXXX XXXX branch as well as the XXXX XXXX branch where I would be relocating my safe deposit account to. In order to make the transfer, I had to close the box at XXXX XXXX and reopen at XXXX XXXX. The closure at XXXX XXXX went smoothly, however the XXXX XXXX branch did not attempt to make an appointment for me at XXXX XXXX until today, the actual day of the transfer, and only while I was closing my account at XXXX XXXX. Upon arrival at XXXX XXXX, the bankers were not expecting me and informed me that Wells Fargo is having a systemwide inability to open accounts, and has been since Friday, something XXXX XXXX failed to make me aware of. As a result, I was able to close my safe deposit account at XXXX XXXX but unable to open one at XXXX XXXX. As such, I have government-issued documents that are difficult to replace in my possession. After speaking with XXXX from CFPB this morning, at around XXXX PDT, I have decided to file this complaint, particularly in relation to the oversight of being allowed to close my account at the XXXX XXXX branch when the bankers should have been aware that I would not properly be able to open an account back up at XXXX XXXX and because they never made the appointment they promised me over phone at the XXXX XXXX branch until after I was well into the account closure process at XXXX 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 monetary relief
Consumer complaint received 2017-08-21 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: MD

Complaint narrative:
XXXX XXXX XXXX policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. XXXX is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.

Company response to consumer: Closed with explanation