vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I received a letter today XX/XX/2019, about a debt I do not owe. The letter is dated XX/XX/2019 and I have the Post Office imaging service that provides a picture of the mail on a daily bases. As you can see in the attached image, the letter was received on XX/XX/2019, 10 days from when the letter is dated. The same day i received the letter, I started to receive phone calls to my cell phone from Credence Resource Management, I provided a picture of my call log on my cell phone. Both are violations of the Fair Credit Reporting Act. I have 30 days to dispute the debt prior to any harrassing calls and Credence is calling my cell phone. I'm on the do not call registry for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
complaint to the compan Search Records NON ACTIVE BUSINESS OPERATING WITHOUT ARTICLES OF INCORPORATIONS Foreign Profit Corporation XXXX XXXX , XXXX . Status INACTIVE Filing Information Document Number XXXX FEI/EIN Number XXXX Filing Information Document Number XXXX FEI/EIN Number XXXX Date Filed XX/XX/XXXX State VA Status INACTIVE Last Event WITHDRAWAL Event Date Filed XX/XX/XXXX Event Effective Date NONE Principal Address XXXX XXXX XXXX. 
XXXX, VA XXXX Changed : XX/XX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, GA XXXX Cancellation.Whenever the amount of money due on any mortgage shall be fully paid, the mortgagee or assignee shall within 60 days thereafter cancel the same in the manner provided by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit report is frozen. Recently I applied to XXXX for cable and internet service. Although I did not lift the security freeze, Experian provided to XXXX information from my credit report. What good is a security freeze?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
Profit Services Group in XXXX, GA is trying to collect a debt for a medical bill that I do not owe. They said I owe XXXX XXXX XXXX for an XXXX of my XXXX that was done on XX/XX/2017. I was on workmans compensation at that time for a work injury and any expenses should have been billed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
ConsumerFinancialProtectionBureau This complaint is directed with over 8 lenders who have received monies from me since 2003 when I originally purchased my home from the builder. 

I have detailed in a summary document how my loan has somehow gone from a 30 year mortgage to a 44 year mortgage, how my loan amount varies throughout the lenders, how did a fixed rate loan change so often ... these are just a few questions. 

I have provided documents that show both my bankruptcy attorney and the bank 's attorneys kept me from filing the one document of re-affirmation needed to prevent the issues that have occurred. They blocked me until time expired. 

This is a very well documented complaint that is clearly predatory and should never be allowed to occur. 

Note : Some attachments ( pdf ) were too big and had to be broken into smaller files. I was not aware til after the index of attachments was uploaded, so I named them similarly and included page numbers. 

I need someone to take an interest in this complaint and give it the consideration it deserves. 

I worked over 30 hours to produce these documents. Being XXXX and having to confine myself to a chair for long hours is extremely painful but I did it. 

You should have everything you need to resolve the main issue of terms of loan ... when passed from lender to lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ERC
State: OR

Complaint narrative:
They call starting at XXXX XXXX and call about 6 to 7 times until sometimes as late as XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Pay Care Credit the total full amount on my account which was applied to my balance on XX/XX/2019, I also contacted SYNCHRONY BANK/Care Credit the very next On XX/XX/2019 to confirm that my payment was received the full amount of which they were paid which they did do. Care Credit Synchrony Bank AKA Care Credit was paid in for the total estimated amount of XXXX on XX/XX/2019 and it was posted to my account on XX/XX/2019 with verification the also sent me a confirmation letter that they were paid in full the total balance. I will also be attaching my letter to verify that the account was paid in full with a verification letter and a confirmation code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
Back in XXXX, I began school. I took out a private loan in the amount of {$13000.00} and in XXXX, another one in the amount of {$16000.00}. Both through Sallie Mae. I started paying my loans back in XXXX. In XXXX, Sallie Mae gave my loans to Navient. I have made every payment, on time, every month, for the last 9+ years. Not only have I already paid my original balance, but my current balance is still over $ 30k. How is this even possible?? Since then, I have tried multiple times to release my mom as my cosigner, I have tried multiple times to try to get my payments lowered, and I have tried multiple times to get an interest rate better than the " variable '' rates of 13 % and 11 %. Every time I call, I am passed around to different departments, none of which is capable of helping, my cosigner release keeps getting denied, but I can get information why. I cant get a better rate because " variable is what I signed for when I took out the loans '' so there is nothing they can do to help. They cant even tell me what qualifications I need in order to get a lower interest rate. I have been stonewalled every step of the way. Upon a quick chat with Sallie Mae today, they informed me they not only have no record of me ever getting a loan through them, but if I did have private loans, they would not have been sent to Navient. I can't get information from Navient for anything and if I could afford it, I'd hire a lawyer to investigate this further. I'm at a loss right now..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
On XX/XX/2018 a collection account was placed on my credit by Convergent outsourcing Corp staying that I owe {$1800.00}. This was not my account in which I should not be responsible for. Prior to the account being forwarded to Convergent, I also explained this information to sprint as well requesting that the account be removed from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I was involved in an accident where it almost cost me my life. But God didn't want it that way and until today I'm here with difficulties. Product to the Corruption of the  lawyers I ended up suing myself and the only thing I could get was a withdrawal from my work nothing more than that This situation, as they should be imagined, results in economic situations in XX/XX/XXXX. Call the bank XXXX XXXX. Explain the situation and they did not want to help us at all over time. We ran out of all kinds of economic resources. There were problems that began transferring us to XXXX XXXX and On this occasion it was better to go to XXXX and not have to deal with XXXX staff call XXXX in several occasions to transfer us to another and they never did XXXX we asked him to make a modification the only thing they did was put us in more difficult situations every day until this year in XX/XX/XXXX they sent us a letter saying they transferred us to XXXX XXXX   which is the same as XXXX XXXX XXXX, this famous company since we are in their hands are harassing us and trying to destroy us mentally with the actions they are making us physically destroy and mentally I hope to find you can help us solve something thank you very much Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Coastal Credit, LLC
State: PA

Complaint narrative:
Hello, I made the finally payment on my account and the company sent me the title for my vehicle. I check my credit report and it still states I owe the company {$160.00} and was last reported on XX/XX/2019. I paid my account to a XXXX balance. I contacted the company to try to resolve this issue and they stated they couldn't help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal Friends and Family has an inadequate alert to customers to indicate there is no recourse available to recover funds sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Patrick K Willis Company Inc
State: GA

Complaint narrative:
REF:XXXX This company has continued to harass my father, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. S.B. Investigative Services AKA Skip busters / Skip tracing Services seems to be a part of American Recovery Service and Patrick K Willis Company. My father had a breakdown from those illegal collection tactics. My father is a XXXX Veteran suffering from XXXX. They called him at all time of the night, and from private telephone numbers so we couldnt track the calls. 
I answered my fathers phone one time with a deep voice to make them think it was him. The caller said, you XXXX XXXX XXXX  will not pay your bills. I had to move him to the XXXX base in XXXX   XXXX with me to get him from these folks. I can not take this any longer. They are pushing the WRONG buttons with him. I have sent them a letter and begged them to stop these unethical collection tactics. Please make them stop, or send the owners to jail. 
Under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( F.D.C.P.A. ) I have formally notified them to cease all communications with him in regards to a debt that he is unaware of, or any other obligations that he alleges owe. 
Advise them if these collection attempts continue after receipt of this notice I will immediately file a complaint with the Federal Trade Commission, XXXX, and XXXX   Attorney General office. If he is contacted again after receipt of this complaint, I will pursue both criminal and civil claims against them and this company for violation of the F.D.C.P.A. They should be aware of this complaint going forward. I will confirm the delivery of this complaint. All future communications will be recorded. I will use it as evidence in my father claim against them. 
I will monitor any negative information appearing on my father credit reports about this account. If so, I will handle it with his full legal rights and use remedies available to him with regards to current consumer protection laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Someone hacked my CashApp account and made two unauthorized transactions of {$1400.00} and {$1400.00} respectively. I have reported this to the XXXX XXXX the same evening I noticed it occurring. 

XX/XX/19 around XXXX XXXX - {$1400.00} XX/XX/19 around XXXX XXXX - {$1400.00} I contacted the bank and asked them could they stop the pending charges since it had just happened. They said no but to call them first thing in the morning to begin the dispute. I require either a fingerprint or PIN to access this account and somehow they were able to get Cashapp to change the PIN or they guessed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a frozen account with Equifax that I was able to unfreeze online to allow a banking institution access to my credit, they were unable to view my credit report. I called Equifax several times and in talking to several individuals, I was finally informed I needed to send in a photo copy of my driver licenses for verification. I have provided all pertinent information when I spoke to this last person on the phone to verify my identity, she also told me I have an online account that will let me change account info " ID and Password " Online access will not let me access my account. 
I then went to their website and unfreeze my account with my confirmation # and the bank still can not access my credit account. 
Is this because I am one of the people whose Identity that was breach?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/19 I spoke to a rep from Comenity Bank named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX XXXX account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want Comenity Bank to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. Comenity should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Every month on the due date I receive 7-10 calls per day until XXXX at night from Westlake Financial. These calls are affecting my job and waking me up at bedtime. I have repeatedly asked them to stop harassing me as I have or will send payment before my grace period is up. I have phone records of all phone calls to two different phones of mine and voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/19 I spoke to a rep from XXXX XXXX named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX XXXX account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want XXXX XXXX to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. XXXX should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.

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