vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: AL

Complaint narrative:
On XX/XX/2018, I moved out of XXXX XXXX XXXX XXXX XXXX in XXXX, KY due to my pending military XXXX. Before moving I talked with the Apartment Manager regarding my carpet and general cleaning cost and the total was {$300.00}. She stated that the payment had to be made by money order. I got the money order and paid the amount- no issues. A few weeks after I arrived in XXXX, I start receiving calls from unfamiliar number. I didn't answer the call at first but I later did and it was from IQ Data International. The person on the found stated I owed {$290.00} from unpaid debt from XXXX XXXX XXXX XXXX XXXX. I explained to the customer service rep, I paid the amount before I Ieft and that I was currently XXXX overseas. He stated that I needed to pay the amount or show proof I paid the debt. I was confused why I got the phone call so I called the apartment manager and she stated it was a problem with their system and they was going to work with IQ Data and get it fix. A few weeks goes by and I am still getting phone calls from IQ Data. On XX/XX/XXXX, I finally get a response back from the apartment complex and they stated it's nothing they can do to fixed the problem and I should contact IQ Data and try to resolve the matter myself. On XX/XX/XXXX, I sent IQ Data the email from the Apartment Manager that my debt was clear but I got no response. So on XX/XX/XXXX, I got several alerts from my credit bureaus stating I have a collections inquiry on my report from IQ Data. After seeing that negative inquiry on my credit report I eventually paid the {$290.00}. I spoke with a customer service rep from IQ Data and he said it will take 30-45 days to have the collections report removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my Equifax report causing my credit score to drop over XXXX points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my equifax report which has negatively impacted my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: CO

Complaint narrative:
I disputed an acct that is illegally being reported to my collections causing negative effect on my credit. Equifax removed the acct then added it back to my credit report. This company REFUSED to take payments and can not confirm the validity of the amounts owed. XXXX has received credits and can not actively collect these ALLEGED amounts.. allegey this acct was written off XX/XX/18 they hung up on EVERY attempt made to rectify and is in violation of the debt collection act yet Equifax removed the acct then added it which is in violation as well. I went diversified consultants removed from my credit IMMEDIATELY AND PERMANENTLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
Hi-I previously submitted a complaint to CFPB ( XXXX ) in XX/XX/XXXX. Either CFBP misunderstood the complaint or XXXX XXXX   misrepresented the response. 

The issue continues to be that fedloans has not properly calculated payments for the Public Service Loan Forgiveness Program. 

I am a former XXXX XXXX and currently an XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. Other than a few months ( approximately 3-4 ), I have been making qualifying payments since XXXX. Yet, XXXX continues to miscalculate this. 

Would like this elevated ( potentially to the senior leadership at the Dept. of Education ) as this issue has been going on now for several years. My cell is XXXX. My work email is XXXX and personal email is XXXX Thank you and sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: OR

Complaint narrative:
Good day, After receiving a FICO score alert from my XXXX XXXX account, it has come to my attention that a XXXX credit card account was opened and abused without my permission under my name and sent to a rental property address that we own. Please let me know if you need further information to resolve this issue. I am requesting that this account be removed from my credit reporting agencies upon receipt of this letter. We are applying for a refinance on our rental property and this account has dropped our score considerably. We believe a family friend who was residing at our rental property at XXXX XXXX XXXX XXXX XXXX for the last 7 months is the one responsible for these fraudulent accounts being opened. We know he also resides in California, but has had a history of XXXX XXXX, along with XXXX XXXX   and were providing him a place to stay while he was attempting to get his life in order. We believe he had accessed our personal information that was stored on-site at our XXXX XXXX property and used it open several credit card accounts. We have contacted the proper authorities as well. Please provide us with any further information, as we will be notifying the credit bureaus as well. We are also filing complaints with the FTC, XXXX XXXX XXXX and the Consumer Financial Protection Bureau to make sure we are not held responsible for this fraudulent account and charges. I do not understand why I did not receive any phone verification from XXXX in order to open this account. All the other creditors I have past accounts with have gone through a multiple-step verification to open a credit card account given the amount of ID theft these days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has called several times a day including Sundays on a debt that has been wiped clean by XXXX due to it being almost 19 years old. However, even with that info Portfolio Recovery still calls and still harasses,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and Security Credit Services continue to report the account as belonging to me, affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Around the last of XX/XX/XXXX, XXXX from Portfolio Recovery called and said I owed on a XXXX XXXX Card. I told her that it was from Identity Theft. And I had already filed a report the Id theft report. And she said that she will report this in the case and start the process for me. 

So far, I have recieved 2 more calls attempting to collect the money owed. I emailed them all the paperwork they sent me on XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DEEP SOUTH FINANCIAL SERVICES INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I was arrested for writing worthless checks in XX/XX/XXXX, company at that time was under XXXX XXXX since then has been bought out by Deep South Financial Service which location I do not know there is three in XXXX La. one at XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX Zip XXXX The charges were for the amount of {$75.00} After bailing out of jail, and loosing a days pay. The next morning my daughter took it upon herself to call her friend, XXXX at Deep South to get information regarding the account. And XXXX provide that there was a XXXX XXXX XXXX on the account not two much more information was showing. In the mean time I was dealing with District Attorney 's office and the charges were dismissed immediately. My daughter called me and advised me that her friend XXXX from Deep South called her and told her that the charges were dismissed. May it have been my daughter or anyone else information was released without the proper authorization to do so. This XXXX never asked to speak to me or a way to reach me to discuss anything much less get the proper authorization to release anything on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: M&T BANK CORPORATION
State: VA

Complaint narrative:
On XX/XX/2018, my sister had a XXXX XXXX  her from talking or moving. A power of attorney was granted to me, XXXX XXXX XXXX, XXXX XXXX  in XX/XX/XXXX of that year. The power was notified before my sister had completed the XXXX ( XXXX XXXX ). She was judged to be competent by her physicians. I forwarded this with a request by M & T bank to change the address so that I could pay the account. They refused to honor the power of attorney and would not discuss the reason. My sister was undergoing XXXX treatment and I was personally trying to straighten up her bills. As a result, M & T bank was paid {$3300.00} on XX/XX/2018. M & T bank would not send me a bill or statement. On XX/XX/2018, my sister died and I forwarded M & T Bank a copy of the death certificate and my appointment as Administrator of the Estate. The only bill I could find from M & T bank continued to show a balance and it was repaid again. M & T bank has refused to discuss any dertails of my sister 's account with me despite forwarded their requested information. After 3 phone calls and another forwarding of documents, I finally was asked to personally deliver a copy of the death certificate and my appointment as Administrator. I took pictures of the event. Now two weeks later, M & T bank which has closed the account because I notified them of my sister 's death have collected the debt twice, they still refuse to give me any information, they claim that they hold any excess payments for two months even on closed accounts, and they hold an excess {$2700.00} paying no interest and refuse to add a forwarding address which I have requested. Any excess payments they say will go to the address of the old record, which they will forward to a branch for pick-up should it be returned. The account was in the name of XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, Pa XXXX last four of thye account XXXX. I don't have the complete account number.

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 2018-09-16 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have worked hard on removing inaccurate information from my credit report as well as updating my address, email address, and phone number to Navient. I currently am unemployed and on a deferment plan. I just recently pulled my credit for my own review to find out that they are reporting that I have been late every month in XX/XX/XXXX. I'm beyond livid at this point as I mentioned before I've spent a lot of time and energy removing previous inaccuracies. My credit score was XXXX now I'm below XXXX due to this. This loan was from XX/XX/XXXX and is under XXXX due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: GA

Complaint narrative:
Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX  collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and XXXX XXXX XXXX continue to report the account as belonging to me, affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I called USAA on XX/XX/XXXX to report my Amex stolen. I later received an account notice that card info for XXXX XXXX  had been updated to allow purchases while a replacement card is shipping. The morning of XX/XX/XXXX I attempted to purchase groceries and the XXXX XXXX  was denied 3 times. Upon contacting USAA they denied existence of the notification and said nothing about my having been informed of continued access to my credit and subsequent barring from use. I think this is a violation of consumer protection and credit standards.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: OR

Complaint narrative:
Good day, After receiving a FICO score alert from my XXXX XXXX account, it has come to my attention that a XXXX credit card account was opened and abused without my permission under my name and sent to a rental property address that we own. Please let me know if you need further information to resolve this issue. I am requesting that this account be removed from my credit reporting agencies upon receipt of this letter. We are applying for a refinance on our rental property and this account has dropped our score considerably. We believe a family friend who was residing at our rental property at XXXX XXXX XXXX XXXX XXXX for the last 7 months is the one responsible for these fraudulent accounts being opened. We know he also resides in California, but has had a history of XXXX XXXX, along with XXXX XXXX  and were providing him a place to stay while he was attempting to get his life in order. We believe he had accessed our personal information that was stored on-site at our XXXX XXXX property and used it open several credit card accounts. We have contacted the proper authorities as well. Please provide us with any further information, as we will be notifying the credit bureaus as well. We are also filing complaints with the FTC, XXXX XXXX XXXX and the Consumer Financial Protection Bureau to make sure we are not held responsible for this fraudulent account and charges. I do not understand why I did not receive any phone verification from XXXX in order to open this account. All the other creditors I have past accounts with have gone through a multiple-step verification to open a credit card account given the amount of ID theft these days.

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 2018-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: TX

Complaint narrative:
I informed First Franklin that I was no longer in position to pay them anymore XX/XX/2018 They should have received their letter XX/XX/2018 and I did send a INTENT TO PAY Letter along with a Notice to Cease Communication letter. And after they received these letters they have continued to withdraw from my account and that is a form of communication.

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 2018-09-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have worked hard on removing inaccurate information from my credit report as well as updating my address, email address, and phone number to XXXX. I currently am XXXX and on a deferment plan. I just recently pulled my credit for my own review to find out that they are reporting that I have been late every month in XX/XX/XXXX. I'm beyond livid at this point as I mentioned before I've spent a lot of time and energy removing previous inaccuracies. My credit score was XXXX now I'm below 600 due to this. This loan was from XX/XX/XXXX and is under 1,000.00 due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In XX/XX/2018 an account was created with a clothing company, XXXX. This was a charge account through XXXX XXXX. A balance of over {$300.00} was incurred. We have been called at home 3-4 times a day for about a month from XXXX. They appear to be trying to collect the alleged debt. The account was not opened by me or anyone in the household. The account listed an address in a city we have not lived in for over 6 years. XXXX refuses to supply information that would assist us in determining who opened this account, including account number and copies of the application for the account. 

We have never received any bills or written communication from XXXX that would have alerted us to this account. They refuse to discuss this situation, claiming privacy issues. They won't tell us if this was an internet purchase or from a brick and mortar store. 

XXXX refuses to assist in resolving this fraudulant activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I believe there was a misunderstanding with my claim. I was told that the Capital One inquiry would be a Soft Inquiry rather than a Hard Inquiry. I did not want to close my Capital One account at all. I did not place a fraudulent application. I received a letter in the mail with a special code which was already Pre-Approved. I want to re-open my account and still be a Capital One member. Thank you!

Company response to consumer: Closed with explanation