vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a complaint with equifax thru this agency on these two accounts were said to have been deleted. I am attaching a copy of the response from equifax dated XX/XX/XXXX and the current copy of my XXXX XXXX  report. As you can see they are still showing on my file. Also I am disputing the {$61.00} new collections from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I dont see doctors in XXXX. This is also the same city that someone had water turned on in my name. I had previously sent equifax the copy of the fraud report I filed in XXXX when I first discovered this. 
I want these accounts off my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: FC HoldCo LLC
State: AZ

Complaint narrative:
I did not authorize my credit to be pulled by this company

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 2019-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Fraudulent charge on Paypal ; payment of {$56.00} taken from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: Credit Plus Inc
State: AZ

Complaint narrative:
I did not authorize my credit to be pulled by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: TIDEWATER FINANCE COMPANY, INC.
State: AZ

Complaint narrative:
I did not authorize my credit to be pulled by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
Normally a consumer is elated after buying a new car. However, those feelings quickly disappear when you learn that XXXX XXXX of XXXX, VA has engaged in deceptive practices, dishonest treatment of a consumer and simply refused to equitably correct the situation. DO NOT BUY A CAR FROM XXXX XXXX OF XXXX! This dishonest issue are as follows : False and misleading advertising posted internet sales price substantially below the MSRP. However, the sales people disregard the posted internet sales price and negotiate a price well above the advertised price. 
Not honoring the agreed upon trade-in value. Adjustments to terms of contract result in trade-in value received which is 31 & less than the agreed upon trade -in value. 
Exorbitant and egregious financing rates an exemplary customer with a XXXX FICO awarded with a 7.24 % interest rate, market interest rates are the low 4 % range. 
Financing Manager quote let the buyer beware Upon bringing these concerns to Dealership Manager, he attempted to correct the paperwork by raising the sales price of the vehicle. 
Dealership refused my written and verbal request to terminate the contract. 
Car purchased on XX/XX/2019, compliant filed XX/XX/2019, personally visited dealership on XX/XX/2019 to discuss resolution. 
NOT BUY A CAR FROM XXXX XXXX OF XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC
State: IL

Complaint narrative:
Im not even sure what account they are referring to because I have expressed to them that the lease company XXXX failed to pick up their product after I called them and informed them that I am no longer wanting the product. They proceeded to make a deal with the guy that still lived there and after that I am unsure of what happened, I was not contacted by them at all until the account was sold to ERC apparently. I am not fond that they are now calling my employer asking for me and informing the person answering the phone that they are indeed a debt collector. It is embarrassing and it creates a bad image on my behalf with my employer. Im not even sure how they found out where I work at because I never gave them that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Im reviewing my credit card statements for the past three months. My overall balance is decreasing, but the interest charges are going up every month. For XX/XX/XXXX the balance is {$300.00} higher than the XX/XX/XXXX statement, but the interest charges for XX/XX/XXXX are {$5.00} more.

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 2019-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
I spoke with XXXX XXXX of PHH A review was in place for loan mod Today I called PHH and nothing is being reviewed An investigation needs done on PHH

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I previously filed a complaint with XXXX  thru this agency on these two accounts were said to have been deleted. I am attaching a copy of the response from XXXX  dated XX/XX/XXXX and the current copy of my XXXX XXXX report. As you can see they are still showing on my file. Also I am disputing the {$61.00} new collections from MIDWEST RECOVERY SYS on behalf of XXXX XXXX XXXX. I dont see doctors in XXXX. This is also the same city that someone had water turned on in my name. I had previously sent XXXX  the copy of the fraud report I filed in XXXX when I first discovered this. 
I want these accounts off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: Avid Acceptance, LLC
State: AZ

Complaint narrative:
I did not authorize this company to get 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 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested for the credit reporting agency to provide method of verification for some inaccurate public records reporting on my credit file that I did not file.

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 2019-05-17 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have never authorized this company to get 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 2019-05-17 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: NY

Complaint narrative:
I am currently trying to purchase a vehicle and have security freezes on my credit with all three reporting agencies. I used the Experian website yesterday ( XX/XX/19 ) to lift my credit freeze temporarily and the site indicated this was successful. The dealership was still not able to access my credit score with Experian. I checked the website again today ( XX/XX/19 ) and it indicated that the freeze had been lifted, but again the dealership could not access the score. I called customer service and the agent said that he found the issue and would submit a form correcting it in 3-5 days. When I asked what the issue was he refused to tell me, saying it was nothing to worry about and would be fixed soon. I asked if it had to do with fraud or something that would impact my credit score and  he said it was something to do with a lender, but refused to say more. I asked why he could not tell me given that is pertaining to my credit information. He said that it was due to the policies of Experian. I think it is very troubling that Experian refuses to grant me information about my own credit record. This is my information, not theirs, and I can only think that they are trying to hide someone's mistake. These reporting agencies have far too much power and little competition. I have no choice but to allow them to have my personal and important financial information, but if I did have a choice I would revoke access from companies that do not protect my information or are not providing me full access and understanding of what is going on with 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 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information? 

3. What is your authorization of law for your collection of this alleged debt? 

4. Please evidence your authorization to do business or operate in this state. 

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
first time loan modified lender sent to wrong party then loan was transferred to SPS SPS made payments too high Never recognized monthly income

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Regarding the CFPB case # XXXX ; The company Sears responded to the above case, but they did not solve the issue in a proper way. 

When I look at the documents sent by Sears, I saw 2 errors that a credit applicant ( me ) can not do. 

Sears First error : In their records, the name is seen as " XXXX XXXX XXXX ''. 
My name is " XXXX XXXX XXXX '', like a normal person I did not provide this information to Sears to open a credit card ( Even in the case they look at my ID card, they would see that my name is not XXXX XXXX XXXX ). I always use my name correctly when I apply for credit. This shows that the account is opened in an unresponsive manner. 

Second error : Company wrote that they sent all statements to my address when I mentioned that I never ever get any statement. According to their records, the credit card was opened at XX/XX/2017.  At that date, my residential address was " XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, NJ ''. 
I never gave the address that Sears has in their records for a credit card. 

I have no idea how Sears opened a credit card with a false name and with a false address on my SSN. 

So, I had no information about the credit card, I never got their statements and because of unresponsible behavior of Sears, my  credit reports show 30 and 60 days late payment, my credit score drops. I suffer to get high APR for my Auto Loans and Mortgage payments. 

As a responsible credit user, I always paid all my loans on time in all my credit history. Sears ' unresponsible behavior created serious delinquency in my credit history.

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 2019-05-17 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: CT

Complaint narrative:
After submitting a dispute to Equifax, I am unable to receive the results. I received an email stating that my dispute had " been completed, '' with a link to a website. When I logged into the website, I received an error message stating that the site was " unable to complete this action at this time. '' I tried this four times on four separate dates. On the fifth try, I received a message saying " it looks like we need more information '' and directing me to call a phone number. When I have tried to access the dispute results through Equifax 's telephone system, it brings me to a pre-recorded message stating that " the results have either been mailed to your home or posted online on our dispute resolution site. '' There is no option to speak to an operator, and the results have not been mailed to my home. It seems that Equifax does not actually have a functioning system to inform consumers of their dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
My mortgage is XXXX. On XX/XX/XXXX, I made my a full payment. Since then, I read in my XXXX magazine, if you make 2 half payments a month, it's like making an extra payment a year. So I made a XXXX payment on XX/XX/19 and a XXXX payment on XX/XX/19. Thereafter, XX/XX/19 and XX/XX/19, XX/XX/19 and XX/XX/19. Now I should be paid up through XXXX. I get my billing statement for XXXX and it says that XXXX is due on XX/XX/19. Ditech applied XXXX of the XX/XX/19 payment to XXXX to the principal and XXXX to escrow and held the XX/XX/19 payment in Funds in Suspense and the charged a late fee of XXXX on top of that. They denie that's what they did. Now I see another late fee applied to my XXXX payment after they received XXXX on XX/XX/19. Please correct this accounting nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
I have requested for the credit reporting agency to provide method of verification for some inaccurate public records reporting on my credit file that I did not file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Within the past 6 months, XXXX XXXX has decreased my credit limit 3 or 4 times making it impossible to pay off or even have a desire to shop there. I feel discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I do not recognize this inquire Please remove it

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 2019-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Hi. I had a student loan that was originally through XXXX XXXX XXXX, but that has been sold to ultimately Navient. I fell behind on the student loan and it became delinquent. After a few changes in my situation and a settlement offer by a debt collection agency contracted by Navient I was able to settle the debt on XX/XX/XXXX. After the settlement was completed, I was instructed to call 30 days later to obtain my settlement receipt, but I ran into the issue that the loans was supposedly sent back to collections and that the loan was not settled or the settlement was not approved. The collection agency that has received the money, sent me finally around XXXX XXXX a settlement receipt and forwarded the paperwork again to Navient to update the status of the account. In XX/XX/XXXX I was again harassed by two different collection agencies and Navient themselves, trying to collect on a already settled account. After two weeks of calling back and forth and emailing, faxing and mailing copies of that settlement receipt phone calls from all collection agencies stopped and I contacted Navient to obtain a copy from them of the settlement receipt ( the Navient settlement receipt, not the one that I sent them ). It took repeated calls since XX/XX/XXXX, with almost weekly calls to finally receive the receipt on XX/XX/XXXX. Navient instructed me also that they would update my credit report about this settlement by XX/XX/XXXX. No updates have been made and I again have repeatedly called them to request them to update it. They flat out refuse to update it and are giving me the run arounds, wanting me to send them various pieces of information like the settlement receipt and a current copy of my credit report to them and then file a dispute with them, which representative stated may take up to a year.

Company response to consumer: Closed with explanation