vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am a victim of Identity Theft. The account # XXXX you listed on my consumer credit reports in the amount of {$12000.00} are fraudulent and is a result of Identity Theft. These accounts have no association to me. I have contacted and sent an Identity Theft Police Report, Identity Theft Affidavit to Goldman Sachs Bank USA several times explaining my Identity Theft situation and yet Goldman Sachs Bank USA has continued to harass me and report this inaccurate unverified account to the credit bureaus. 

I sent 2 letters to Goldsman Sachs Bank USA. One on XX/XX/XXXX to Goldman Sachs Bank USA Fraud Dept. 
XXXX. XXXX   XXXX XXXX  XXXX  PA XXXX XXXX Certified mail tracking number XXXX and onXX/XX/XXXXto Marcus by Goldman Sachs XXXX. XXXX  XXXX XXXX XXXX XXXX UT XXXX XXXX Certified mail tracking number XXXX Both letters were delivered and signed for. The letters included a cease and desist letter, explanation of debt not owed, police report, identity theft report, XXXX XXXX license with Social Security card for verification. 

These letters were IGNORED and Goldsman Sachs is in continued violation of my rights under the Fair Credit Reporting Act, and are in federal violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
A phone debt that was not owned by me. Phone debt was discharged by XXXX, then sold to collection months later. I have been fighting this for the last 5 years. I was assured by XXXX that the debt had been discharged and the account closed. Obviously a lie. The debt was then sold to Convergent, a collection agency I believe owned by XXXX. They are located in XXXX Wa. I am located in XXXX MN. Collection agency claims I owe them {$200.00}

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 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Everest Receivable Services Inc.
State: GA

Complaint narrative:
Everest Receivable Services , Inc. is in violation of 15 USC 1692-1692p against XXXX XXXX. On Tuesday XX/XX/2021 My employer received a call from Mr. XXXX XXXX with Everest Receivables Service, Inc. In violation of 15 USC 1692c ( a ) ( 3 ). 

Mr. XXXX asked my employer to please verify the address of XXXX XXXX that lived in Georgia. My employer stated that he could not verify but, would give me his message. 
In violation of 15 USC 1692c ( b ). 

I placed a call back to Mr. XXXX @ XXXX to ask the purpose of his call. Mr. XXXX asked that I verify the last for digits of my SS #. Due to an alarming rate of ID Theft, I informed Mr. XXXX that I would not verify anything that had to due with my SS #. 

At that point, Mr. XXXX 's call to me became abusive in nature and I felt threaten by his tone and his words. In violation of 15 USC 1692d.

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
I was affected by XXXX XX/XX/2020 and again after I took the 2nd XXXX. 
I have requested mortgage assistance and forbearance with the mortgage servicer BSI Financial the mortgage servicer. I have been declined any type of assistance for several months. I was told my investor will not provide mortgage assistance or a forbearance for my mortgage. The correspondence I received stated I was offered mortgage assistance 2020 and I refused the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Morning I recently opened an account at Schwab. Expierance horrible.One day after my card arrived my account got restricted. I was not notified by Schwab or even recieved a Email to explain why. Upon my own investigation i found that the account was restricted after numerous chats and calls and money spend on the phone trying to get through to get help. 
I finally managed to get through and was told its with verifications. Its been a few days and a few phone calls later. Still no luck. 

I am hoping someone out there can assist me in getting my money out of Schwab and closing all accounts/connections with them. Its an absolute pain to try and get hold of a representative. 

I hope that their management looks into the onboarding process of this bank and their processes. I am sure there are other unhappy clients out there. 

Hope to get some resolution. 
Case referance nr : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union is reportedly inaccurate data that does not belong to me. They are not responding to the letters I sent them correctly. I filled identify theft with FTC and Transunion was notified of this and they still choose to ignore me and report inaccurate information.

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 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nickel City Group LLC
State: NV

Complaint narrative:
I was contacted by a company called or a person by the name of XXXX XXXX and she said she represented XXXX XXXX XXXX and then if I didnt make a payment she encourage me that if I didnt make a payment XXXX XXXX XXXX with the original creditor would be taking criminal action against me she specifically indicated that they are prepared to file a claim of breach theft and it would be a civil matter she said she represented XXXX XXXX XXXX however upon further review an additional communication XXXX XXXX XXXX was the original creditor but they are actually collecting for a new creditor they failed toProvide me with information about the current and creditor and they have refused to reverse the charges I advised him I needed additional time to review the matter and do some research because it was over three years ago and they have not provided me with a time in fact they have continued to make deductions to my bank account after I told them not to until I determine the validity of the claim I felt intimidated to agree to an initial deduction and then they continue deductions after I disputed the validity of the claim they refused to give me the current credit or they gave me the original creditorAnd they use tactics that I think were inappropriate for a creditor in an attempt to collect a debt so I would like to pursue this matter I will attach various items for your review and I would like this matter reviewed as soon as possible I want my funds returned that they deducted in XXXX also known as nickel city group has pursued me for funds and use inappropriate tactics to secure an agreement without allowing me the opportunity to fully discuss discover the validity of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have notice two incorrect information on my report one for the amount of {$630.00} that was reported on XX/XX/XXXX under XXXX XXXX as original creditor, the address reported is not my correct address. and there is another one that i dont even know about and the amount 0f {$1600.00} that is appear to be a medical debt under coconut creek XXXX XXXX that i deffinetly know about. I'm fully insurance and have been like that for ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account was opened fraudulently for the amount {$230.00}, I have no recollection of this account. The account was not opened by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
I'm filing a complaint with Consumer Financial Protection Bureau against XXXX XXXXComentiy Bank. XXXX XXXX was directly paid out of my bank account on XXXX and have not credited my account for the payment. Despite in a timely manner ( XX/XX/XXXX ) I brought it to XXXX XXXX XXXX attention, but it was blown off as not paid and I continue to have accumulated late fees. This needs to be corrected and as well as any repair made to correct my credit report. The bank statement attached showing the payout to XXXX XXXX 

From : You Sent : Sunday, XX/XX/2021, XXXX XXXX  ( ET ) To : Comenity Bank Subject : Payments Message ID : XXXX I make a payment for {$14.00} to pay off my balance on XXXX from my bank and it was recieved by XXXX XXXX on XXXX. I recieved a paper check for {$14.00} written out to XXXX XXXX. Why was it mailed to me? I have tossed it out. Also, I have not been credited for that payment, which shows paid from my XXXX XXXX XXXX XXXX. Please credit my account to XXXX balance due. Thank you From : Comenity Bank Sent : Monday, XX/XX/2021, XXXX XXXX  ( ET ) To : You Subject : Re : Payments Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your credit card account. I'm happy to help you today. 

We have not received your payment. 

We have not received a payment to your XXXX XXXX account. 

Please be informed that the mailing address for the payments is : Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for your loyalty - have a great day. 

If you have any questions, please click the reply button. 


Sincerely, XXXX Internet Customer Care Team

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account was closed XX/XX/2018 however, for the last few months transunion has been reporting this account as chargeoff which is bringing my score down every month. The bureaus have a duty to ensure that info is reporting accurately per fcra. If corrections arent made to payment history Im requesting deletion of account

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 2021-03-16 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: World Omni Financial Corp.
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: ME

Complaint narrative:
I am happy to provide much more detailed experiences if need be ; but in essence, my complaint is the fact that Sallie Mae charges unrealistic interest rates in effort to obtain financial slavery over its ' borrowers. In addition, they are completely unwilling to assist their borrowers in lowering monthly payments or forgiving interest. 

I graduated college in XXXX. I begun making 'full ' payments to my 2 Sallie Mae loans in XXXX, of over {$640.00} a month, on roughly {$38000.00} borrowed. Until then, I was making the {$50.00} a month good faith payments. 

Fast forward to this month XX/XX/XXXX, I have paid my loans in full, on time, with the exception of 3, 3-month periods of forbearance over time. I now owe Sallie Mae XXXX $ XXXX, while my payments to them over the years have totaled well over {$46000.00}. 

My 'estimated ' payoff date is XXXX which means they intend to profit double what I borrowed ; when I have already paid back what I borrowed and then some. 

I contacted them to attempt to re-negotiate my payments, interest rates, etc and in short *they* have decided I am able to make the monthly payments. Which I suppose is true if they also expect me to be homeless and hungry. There was no offer to truly assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
Hello I noticed unauthorized inquiries on my report or someone applied for something in my name I want this deleted from my report thank you

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 2021-03-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Credit Acceptance Corp is a fraud. They have been adding extra fees to my credit report and Ive been paying attention lately. They apply all the money to the interest. My loan amount was {$13000.00} I had {$3500.00} down deposit. After all fees extra. I was left with {$11000.00} to finance. Ive been paying {$350.00} for 4 years straight. I had a problem one time and missed 1 late payment they came to repo my car. I said my checked just got cleared and had to wait for the bank to open to get the money and transfer it to my other bank, because I didnt have a card for this bank. The people would not listen.. They came at XXXX in the morning. I tried calling credit Acceptance but they were closed. So they replied my car. As soon as the bank opened I went and got the money deposit it and payed them off. To remind you bank opened at XXXX and they opened at XXXX I believed. So the car was at the place for 1 hr. They charged me {$700.00} to release my car. I only was {$43.00} late. So Ive been requesting pay off quotes before the payments were made. I make a payment and then request another pay off quote. When I made the request for the pay off quote my balance was {$3900.00} cent. I made a {$200.00} payment. I went back after 1 day after that payment and requested another pay off quote now my balance was {$3900.00}. So I made {$200.00} only {$0.00} went towards my balanced and added more. They are fraud. One day I requested my payment history. The guy sent me a link which was blocked. They said I needed a password to enter the link. I called and said they sent me a link and I needed a password and I dont have a password foe the link. They said they were going to get back to me. Never heard from them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Try to get help am on the covic relief but my mortgage company not helping me and the Hud company got no help from them either XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have had a payment plan for three accounts with Midland Credit Management for almost three years and have made very payment on time with direct debits from my checking account. On XXXX XXXX, an unknown party gained access to my routing and checking account numbers and fraudulently withdrew several thousand dollars from my account Because of this, my bank changed my account number. 

I attempted to change my bank account numbers on Midland 's website, however, they do not have a mechanism to do this and only gave a number of a representative to call. I called that representative four times over the course of several weeks and left messages asking to update my information so that my automatic payment could be processed. I also emailed Midland two times requesting the same. I never received a response. I then mailed paper checks to Midland to make the payments, however, due to the communication delays on their part, the payment was later than scheduled. 

Midland has now reported the account as a collection account which they have not done previously in the three years I've been working with them. I simply want them to contact me or provide some sort of mechanism to update my payment method and to remove the collections report from my credit report since they never responded to my attempts to update my information. My payments on the accounts are current ( in fact two of the three I had with them are now paid in full ). Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I entered into a consumer credit transaction with Navy Federal Credit Union on XXXX XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, XXXX XXXX XXXX a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to XXXX XXXX XXXX, and they are liable for each fdcpa violation pursuant to XXXX XXXX XXXX. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation