vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
When applying for a home loan I discovered an unknown collection account from XXXX XXXX XXXX. They are supposedly collecting on behalf of XXXX XXXX. Since I had no knowledge of this debt nor ever had an account from XXXX XXXX I immediately disputed the debt with the three credit bureaus on XX/XX/XXXX. The dispute came back VERIFIED. I then contacted XXXX XXXX XXXX directly which is really another company called Resurgent. They were able to provide some limited information, none of which was accurate. The service was supposedly for a landline telephone but they couldnt even verify the service address. They made me update my contact information because they didnt even have a valid address or telephone number to contact me. I then contacted the original vendor, XXXX XXXX, who had no information on the account. I dont know how they can VERIFY the debt when they dont have proper information on file and the original creditors information doesnt even match mine. They said I could request a debt validation but they discouraged it as it would take 60 days. The law states 30 days so they were trying to get me to settle for debt I dont owe verses verify its legitimacy. To top that off the date of last delinquency showing my credit report is XX/XX/XXXX when they themselves state the correct date is XX/XX/XXXX. They told me they have no ability to correct it. According to my mortgage company something from XX/XX/XXXX hurts me much less tan something from XX/XX/XXXX. My last communication with XXXX XXXX was with XXXX on XX/XX/XXXX. I would like these unfair and inaccurate collection processes to cease and for the reported item to be immediately removed from my credit report. I have attached a copy of the current credit report highlighting my notes and the date of last delinquency that is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked all three of my credit reports and noticed I have a large amount of debts from XXXX XXXX. I immediately disputed the accounts on all three credit reports, They we're removed from XXXX and XXXX  all the accounts. Experian, some of the accounts we're removed but not all, according to Experian the accounts are accurate. How? Nothing was sent, no evidence or anything so how was the accounts investigated or proved to be mines. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( reporting twice ) XXXX  XXXX XXXX XX/XX/XXXX These are the accounts that are listed and needs to be removed from my credit 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 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal withdrew money from my account erroneously and they are refusing to credit my account back. I spent hours on the phone with a rep. Every time I was transferred to a supervisor I was disconnected. It looks to me from my account activity that they put in a bad system fix ( I used to XXXX XXXX XXXX when I worked for XXXX   ). They are calling it a balance adjustment but it is theft. They wont help make this right and Ive spoken with several others with this exact problem. Some are speaking with attorneys but I thought that this bureau is just the place to make thus kind of a complaint known.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
In reference to complaint number XXXX. Company lied in their response about not receiving my Permanent Change of Station ( PCS ) travel orders ; I sent a copy of the travel orders to XXXX when I had to cancel the internet and cable service at my residence in XXXX. So Im submitting a new complaint to expose their lies with a copy of my PCS travel orders attached to this complaint. The early termination fee is not owed and the company fails to acknowledge that the debt is invalid. They refuse to take steps to remove the derogatory remark from my credit report and acknowledge that the debt is invalid. So lets see what ridiculous response XXXX comes up with this time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: PA

Complaint narrative:
I have submitted multiple requests to XXXX XXXX XXXX XXXX, XXXX, and TransUnion to correct an error on the reporting on my mortgage payments for the months of XX/XX/XXXX and XX/XX/XXXX. The months of XX/XX/XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XX/XX/XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to XXXX XXXX, they replied XX/XX/XXXX, that  the XX/XX/XXXX payment would not be corrected as it was more than 30 days late and the XX/XX/XXXX payment was not reported to any either XXXX or TransUnion as being late, that it was reported as an on-time payment. I contacted XXXX XXXX by telephone approximately XX/XX/XXXX and  submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my XXXX and TransUnion reports. XXXX XXXX stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. XXXX XXXX stated that I needed to submit the letter from XXXX XXXX to XXXX and TransUnion for correction on the reports. I submitted all documentation to both including documentation of the payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Both Experian and TransUnion will not correct the reporting of these two months. All Reponses state that both XXXX and TransUnion confirmed with XXXX XXXX that the payments were reported correctly. XXXX and TransUnion completely ignored the letter from XXXX XXXX stating there were not reported correctly. During the last dispute, Transunion changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.

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 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weinberg Mediation Group LLC
State: NH

Complaint narrative:
On Tuesday, XX/XX/XXXX at XXXX XXXX EST, XXXX XXXX from XXXX XXXX called my work. I advised him that he was calling a business line and can not call this number. He then called back three times in a row and left the following message. 

XXXX XXXX Voicemail from XXXX. 
52 seconds Good morning calling regarding XXXX XXXX. My name is XXXX XXXX calling with the Weinberg Group. Our firm was retained to a mutual client with obviously you have no intentions on setting up any kind of voluntarily payment arrangement just your history and hanging up and ignoring our collection efforts. We are gon na recommend a judgment to be filed against you to secure that final balance that is been unpaid since XX/XX/XXXX. If you'd like to give a statement or have any legal representation please contact our office. You do have eight of the reference numbers that we will be calling. You can call me directly at XXXX ext. XXXX. This will be our final notification. Thank you. 

Then on Wednesday, XX/XX/XXXX at XXXX XXXX  EST he called my work again and I did not pick up. 
XXXX XXXX Voicemail from XXXX. 
1 seconds This person called but did not leave a message. 

XXXX XXXX EST on XX/XX/XXXX, he called again and I did not pick up. 

XXXX XXXX EST on XX/XX/XXXX, he called again at which point I picked up and I advised him again that he was calling a business line that does not allow these calls and not to call again. 

He called back at XXXX XXXX EST on XX/XX/XXXX and I again advised him not to call this number, it is a business line and it is not allowed. 

XXXX XXXX  EST XX/XX/XXXX, he called again, I did not pick up. 

This is beyond harassment and he is knowingly putting my job in jeopardy. This is very unprofessional and needs to stop. He has my personal phone number, there is no reason for him to call and harass me at work repeatedly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX of this year I went into a dealership with a prior approval for a vehicle with my financial institution, XXXX. I had advised the finance and sales rep that this was the case, but I come to find that my credit was pulled by JPMorgan Chase without my authorization. Attached you will find a letter I sent to XXXX and them advising me to dispute with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Our mother owned a house in XXXX. She XXXX last year from XXXX XXXX XXXX and we are now trying to sell her home. Prior to her XXXX, she transferred title to her home to my sister and me through a XXXX XXXX Deed. 

She owned less than $ XXXX in assets and as we are the only heirs, there is no need to do a probate. 

A probate is expensive and is not required in this case because she didn't own anything. Just the house. Which she transferred to us. 

There is a mortgage on the house and we have been paying it monthly since our Mother 's XXXX. 

However, Ditech will not give us any information on the account. We are the legal heirs and legal owners of the property - and DiTech will not give us a payoff, or tell us the monthly amount to pay. We are trying to do the right thing and they won't speak to us at all. We even called after Hurricane Irma and they wouldn't give us any information on how much the monthly payment should be or if we should defer payments due to financial hardship after the Hurricane. 

We are trying to sell the house and we have sent to DiTech our Mother 's XXXX  Certificate, the XXXX XXXX Deed which transfers title to our names, and our authorization to release the payoff to our Attorney 's office. 

Ditech is saying that we are not authorized to get any information on our mother 's account. We own the house. We are her only children. And they will not give us access to our mother 's account. 

It is legally unnecessary to do a probate on our Mother 's estate - and is a financial burden to us. 

And yet, Ditech still refuses to review their regulations - they see a " one size fits all '' approach and don't realize there are individual circumstances. 

Our mother 's estate does not require a probate. We own the house. We are trying to pay them as per the Note our Mother signed - and they are not giving us the payoff information. 

They are preventing us from selling the house, providing clear title to the buyer, and paying the money due to them. 

This is obstruction. This is cruelty. This is business at it's worst. 

XXXX size does not fit all, Ditech. And someone in your organization should have a brain to figure out how to provide a payoff so that it doesn't cause your customers and their family members undue financial burdens or undue stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK
State: GA

Complaint narrative:
As of XX/XX/XXXX, my car loan with XXXX XXXX XXXX   XXXX XXXX has been paid in full. I requested a copy of my title, from the XXXX XXXX XXXX XXXX XXXX Title Department, and although they have the correct address on file, and I have been receiving correspondence from them at the correct address for nearly 3 years, they have the incorrect address on file. When I asked them to update it in the system so that : ( 1 ) The title can go to the correct address.

( 2 ) You already have the correct information in your system, and have been sending correspondence to the correct address for nearly 3 years. 
The customer service representative repeatedly made excuses, and tried to send me to other departments to resolve the address change issue. I had already reached out to XXXX XXXX XXXX 's customer service, multiple times over the course of days and all of the customer service representatives prompted me to reach out to the Title Department. The XXXX XXXX XXXX Title Department representative continued to be combative, argumentative, and rude and downright refused to make the change. When I also refused to continue to be sent to another department, she again changed her story and said the DMV would have to change the address, then she changed her story and said although the address on the title is incorrect, XXXX XXXX will indeed provide the title to the current address when it is sent out on XX/XX/XXXX. I asked her to provide that information in writing so I can notify my car insurance & attorney and she also refused. She then created yet ANOTHER story saying " The DMV will have to update it ''. Well the DMV has had the correct address on file for the past 2 1/2 years with no problem so why is it not reflecting on the title? She then placed me on hold claiming to have talked to her supervisor and " there is nothing they can do ''. If I did not pay for my loan, there would be something you can do? If I missed a payment, there is something you can do. Why not now that the loan is paid in full? I did my part. I paid my car loan in full, and all that I am asking is for them to update the address on file, just as I did nearly 3 years ago. With the XXXX XXXX Title Department 's office hours differing from that of customer service, and their refusal to do anything to help customers, it is certainly no surprise I am having to deal with this. It is unnecessary and a horrible display of customer care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: PA

Complaint narrative:
I mad a purchase at a XXXX store for about 135.00, return back the next day and attempted to make another purchase for XXXX the transaction never was approved by my bank .... My card kept declining and I had to call customer service who then connected me to the fraud department to verify it was me making the purchase..I did and they tried to override the system for the payment to go through but It never went through on XXXX end. I then found out that a payment I made to the credit card account was returned from my bank and in attempt not to have a negative balance I returned the XXXX purchase that was approved. my account is now showing over the limit by XXXX plus additional fees the credit card company has accessed to it. It's showing over the limit because of the XXXX charge they are stating went through but was declined numerous times at the store.

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 2018-06-20 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:
I have disputed XXXX bill in the past and a new debt collector reporting under XXXX has put this debt that does not belong to me back on my credit report. Under the fair credit reporting act this is unlawful and Equifax should not be reporting this on my file. It should be removed immediately or I will have to take steps to litigate any and all monetary damages incurred for damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
After a recent pull of my credit report I noticed a collection placed by this company which I do not know of or owe..I have no business with this company, no contract written or verbal, I have never heard of this company and I am not in debt with this company.. I sent a letter certificated mail requesting verification of this debt on XX/XX/2018 ... I have not yet heard anything from this company..they are intentionally reporting false and invalid debts on my credit report in an attempt to defame my character.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The company states that After receipt of XXXX XXXX complaint and review of the payment history, we confirmed that our client has record of receiving a payment for XXXX. XXXX loan on XX/XX/XXXX. However this payment was returned to our client as a debit card chargeback on XX/XX/XXXX along with a notification from XXXX XXXX financial institution that she had disputed this transaction as a fraudulent charge, resulting in a refund to XXXX XXXX. We asked our client to confirm the amount of her account, and they found no inconsistency in relation to the amount of payments applied to XXXX XXXX loan.- AD ASTRA Recovery Service Inc . 
The Original Creditor states XXXX  XXXX obtained a loan in the principal amount of {$500.00} on XX/XX/XXXX using her personal XXXX ( XXXX XXXX ) online account. The loan proceeds were deposited into the bank account XXXX XXXX provided at loan origination. XXXX XXXX loan account was placed in default status on XX/XX/XXXX when successful payment on the loan maturity date wasnt received. Thereafter, collections activities commenced as allowed by law. XXXX XXXX contacted XXXX  XXXX to set up a payment arrangement, however, the agreed upon payments were not made. A review of the loan history reflects that XXXX XXXX initiated a collections payment for the past due balance on XX/XX/XXXX as authorized in the signed loan agreement, which paid the loan in full ; however, on XX/XX/XXXX, this payment was reversed by XXXX XXXX bank resulting in a chargeback and the balance being owed again.- A XXXX XXXX XXXX XXXX XXXX XXXX. 

Both companies made the above statements in regards to an initial complaint filed through the CFPB on XXXX, and the dates they specified as receiving payment and then a chargeback dont reflect the same days that are stated nor do they match the date reflected on either statement submitted. 

Both companies state there was a charge back in the month of XX/XX/XXXX and if that were true there would be another amount of {$610.00} that doesnt reflect the charge of ( $ XXXX- on the date of XX/XX/XXXX ) with the transaction date showing XX/XX/XXXX. 

Both companies denied the second payment of {$610.00} on XX/XX/XXXX because of the amount. All 3 Credit Reporting Agencies show a balance due of the said amount which is why I paid such amount. 

XXXX XXXX states that I procured the loan via the XXXX XXXX website online which is in fact untrue because I went into a local branch in XXXX, AL @ XXXX XXXX XXXX. 

Both companies state that they dont accept or report inaccurate debt amounts but all reporting agencies show otherwise. Again if you review the attached statements, you will see that there was no chargeback or credit awarded to my account in the amounts the companies recall. Any chargeback would be reflected on the statements as a Provisional Credit and as you can see there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: MA

Complaint narrative:
Repeated calls with the intent to harass. This company is calling about a debt I don't know or owe. Requested proof of debt, never received. They reported the debt to my credit report tarnishing my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Today XX/XX/18 Equifax denied me online access to dispute results & overall access to file future disputes because of company 's inability to accurately manage my consumer data

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: LA

Complaint narrative:
They called my place of work ... harrassing me and my coworkers.

Company response to consumer: Closed with explanation