vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery has recently purchased a debt that I do not owe from XXXX XXXX and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XXXX XXXX has recently purchased a debt that I do not owe from Cash Store and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.

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 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Received notification that my homeowners insurance is be canceled due to non payment on XX/XX/2018. Our escrow account with wellsfargo has over {$5400.00} in it and the payment was for less than {$3000.00}. Lender alleges that they contacted insurance company to make payment on XX/XX/XXXX & XX/XX/XXXX which is too late in my opinion. Wellsfargo failed to contact us until XX/XX/XXXX about the issue. No we have no homeowners insurance reside in Florida and insurance is unlikely to write policies due to 2 hurricanes in the XXXX. Now I have a XXXX home near the water uninsured.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
The originial creditor was XX/XX/XXXX grom 2012 that was acurred in virgina. I filed bankruptcy im virginia in 2012. Also i wrote a letter asking for this debt to be removed because of the bankruptcy, and because of the statute of limitations. The only thing that has happened was this to be bounced around to new creditors that they have paid to take it over to, which I thought was illegal? The amount is {$140.00} with a new creditor bt the name of XXXX XXXX that have newly reopened in XXXX.

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 2018-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA. 
This financial institution repoed my vehicle window they were not supposed to. two different phone calls from their managers approved me for an extension during this time. During this time was Hurricane Harvey and they took my vehicle anyway. My struggle within is they had left the amount of {$15.00}, XXXX installment loan on my credit report to pay back. I have spoken with them numerous times made many phone calls and debates About the amount. They had agreed for me to only pay {$2.00}, XXXX to be released from this installment dispute that I have with them. But the amount of XXXX, XXXX Still Remains on my credit report and it damages me to receive any other type of loan or financial help whatsoever. As I had mentioned to this company that they had taking my vehicle after approving me two different times life extension they released me of my vehicle without justification other than stating I was legible for a repo. This was at a very unfortunate time of my life and family life with this being the only vehicle that this household had. just suffering from this financially and XXXX has drawn a lot of extra problems to this family and household. I'm still in debate with him on the final about a 2000. I do not believe that I owe them a penny for illegally repoing my vehicle after approving me two different times for an extension. Their words were I was not approved for a disaster opportunity. 
As I try to get myself back into another vehicle because of the damage of my credit they seem to be the only potential financial institution that could Finance me. But even on the simplest they don't like knowledge what they have caused and what they have done and they will not approve me even for the simplest auto loan. This is a very hypocritical company and I need this to finally be taken care of by the consumer federal government thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I have a loan with CREDIT ACCEPTANCE CORPORAT. 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 CREDIT ACCEPTANCE CORPORAT 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 XX/XX/XXXX / XXXX XXXX.

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 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA
State: NC

Complaint narrative:
I have a loan with XXXX XXXX XXXX. 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 XXXX XXXX XXXX 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 XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1200.00} Original creditor : 11 XXXX Remarks Placed for collection Original Creditor Name 11 XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I had fraudulent accounts on my credit report, in XX/XX/2018, I filed a dispute for the inaccurate information to be removed, I had any credit file freeze because of the situation, I sent in a police report and other supportive documents regarding my situation so they sent me a copy of my credit file and at the bottom on page for it stated that the documents in sent in they specifically stated they sent of copy of my documentation to the creditors and I did not give them permission to do so, that's a violation under FCRA ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services XXXX time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and Equifax has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1200.00} Original creditor : 11 XXXX Remarks Placed for collection Original Creditor Name 11 XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
I recently paid off a balance owed to XXXX XXXX through an agency named Waypoint. I paid the amount in full and they guaranteed they would remove their claim from my credit report. I still have yet to acquire anything from them that indicates paid in full! My claim is also against XXXX XXXX. I switched plans from XXXX to XXXX, XXXX was to pay off my debt from XXXX. Because XXXX was delayed in doing so XXXX placed a collections action on my credit report. After going back and forth with XXXX they finally sent me cards to pay my XXXX bill. I took care of it through Waypoint and on XX/XX/2018 paid then through the online portal. I still have not heard from them. They are impossible to get in touch with. I have tried calling them several times o speak with someone and can not leave a message or take care of getting this removed. 

They said they would remove my XXXX XXXX from my account and I need this done asap as I have done everything in my power to do the right thing. 

Account Number XXXX with Waypoint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

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 2018-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX  on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. TransUnion has 7 inquiries and XXXX has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.

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 2018-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and XXXX has 8. The numbers don't even match each agency, and the random credit runs were unnecessary actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 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: FL

Complaint narrative:
Somehow Equifax seems to have verified some information, That XXXX  deleted. XXXX  deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Equifax somehow verifies it.?? 

XXXX XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Equifax is in violation of the FCRA, XXXX Deleted the same item that I challenged at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name BACK XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover Card has harassed me about a credit card debt that I owed on a balance transfer and they didn't follow through with the agreement I signed. They lowered the credit I originally had without notice, call me over and over to get their money when I was mislead about the whole agreement. I tried calling them several times to say that I didn't agree to this and they kept pushing me around from department to department. Now they are suing me in my county.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TN

Complaint narrative:
After calling these people twice and getting nowhere I disputed these charges on my credit report with all 3 of the credit bureaus. This company can not tell me why I am being charged for this debt and told me " I'm not gon na do your job for you '' when I inquired about it. This company has removed the debt from my XXXX and XXXX  credit report ( I'm assuming because they realized they made a mistake ) but is reporting it XXXX as valid debt. The most recent attempt to remove it and the last time I spoke with someone was on XX/XX/18.This needs to be removed from my XXXX credit report this company can not provide proof of the debt if I truly do owe it and is not being very helpful in resolving the 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 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She received a collection attempt from Credit Counsel , Inc on  behalf of XXXX XXXX XXXX for {$1400.00} dollars, an amount that she has advised is related to an issue of identity theft. This issue as well as other has been reported to the XXXX Police Dept for investigation. An official dispute of this account was sent to Credit Counsel Inc XX/XX/2018 ; as of this date Credit Counsel Inc has not provided any update as the status of the investigation of this issue which is a violation of the FCRA and FDCPA since this account was reported to my client ; s credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Previous complaint number CFPB XXXX. I complained about a technical support issue with my checking regarding adding nicknames to my account. This has been an ongoing issue since XXXX of this year when the bank went with a new online system. I received a letter from XXXX XXXX XXXX dated XX/XX/2018 stating they are still working on the issue and have no ETA on fixing it. I believe I gave it enough time ( 3 months ) and the problem still exists. What can be done to speed up the process to have this problem corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
1 ) It appears that a credit card has been fraudulently opened in my name with " XXXX XXXX / XXXX XXXX '', which may have a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX.

2 ) I have never heard of XXXX XXXX / XXXX XXXX, I have not applied for any credit cards in years, I knew nothing about this and did not authorize it.

3 ) I disputed this via XXXX as fraudulently opened / not mine.

4 ) XXXX XXXX / XXXX XXXX '' has denied that it's fraudulent but rather responded that the account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: GA

Complaint narrative:
I received and replied with the information to be included in the Provident Settlement. 
I did not receive a check in the mail The Provident settlement administrator website can not be found and the phone number XXXX just has a busy signal every time I attempt to call.

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