vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I received notice dated XX/XX/19 from CMRE Financial Services , Inc for a debt that I was not aware of from some creditor called -XXXX  XXXX , XXXX , which I do not know anything about for a debt in the amount of {$100.00}. or debt. 

I called the number provided - XXXX and provided them an acct #, from the letter - XXXX The lady that I spoke to did not provide her number and asked me for my birthday and/or the last 4 of my SS #. I told her that I was looking to identify what this debt was for, because it did not look familiar. I also told her that I would not provide any information that was not on the letter. She stated that was fine and she hung up on me. 

How would I think this is a legitamite collection agency and/or debt. 

Please look into and advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account was settled and should not be listed as I owe, This is a mistake, please remove Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Opened a Kohl 's credit card. Used it for one purchase, I paid the entire card off at the time of the one purchase. After I closed the account, Kohl 's, started calling me several times everyday stating I have a {$10.00} unpaid balance. Now they are adding interest. I paid the entire balance at the time of the purchase and never used it again. I told them on the phone that they have inaccurate information and I do not owe them anything. They said they would file a dispute. That was a couple of months ago. They call relentlessly and I block every single number they call from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2019 I sent a validation of debt letter to XXXX XXXX because I noticed an erroneous reporting from them. I received a response back from the company, that stated I owed the debt and that it was validated. I received a print out of charges and also a contract that I DID NOT fill out and my social security number is CLEARLY missing from this alleged application that I completed. 

In response to the companies erroneous report, I sent an additional letter On XX/XX/2019, letting them know that I have never heard of their company, done business with their company and advised them that I was certain that they did NOT own an athletic club. I asked them when did they started running an athletic club and ask them to provide me the dates and times or video footage of m XXXX working out. 

Furthermore, on this alleged contract, it DOES NOT state in any capacity that I agreed to pay any interest on any debt owed.

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 2019-09-03 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: NJ

Complaint narrative:
I have never visited hospital in that period. that's why I am asking about re-investigation these account and remove that from credit report. I do not account number but I uploaded page from credit report where you can see accounts.

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 2019-09-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have never visited hospital in that period. that's why I am asking about re-investigation these account and remove that from credit report. I do not account number but I uploaded page from credit report where you can see accounts.

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 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX or XXXX, 2019, I submitted a payoff quote to Loancare, as the holder of my company. I had just sold my other home and am now trying to pay this home off within 90   days, or I must pay capital gains  taxes. On XX/XX/2019, at XXXX, I received an email response from Payoffs at Loancare , acknowledging my request and advising me to allow 3 business days for my payoff quote to be processed. Within 15 days, I received a letter advising that my loan had been sold to another company, but nothing regarding my payoff quote. Since my request in late XX/XX/2019 for a payoff quote, I have had to make another payment. It is not XXXX XXXX, 2019 and I do not have a payoff quote from Loancare. However, I am over one month closer to my 90  day deadline to reinvest my money in another home, or pay capital gains  taxes to the IRS. 

I believe the lack of a payoff quote from Loancare was purposeful so that I would have to make another payment, and as a result, I also question the timing upon which my loan was sold to another company. Perhaps my loan was seen as no longer profitable.

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 2019-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In part my issue is resolved but not to my complete satisfaction. 

We initiated an agreement with XXXX XXXX in conjunction with Synchrony Bank for an interest-free loan on a {$4800.00} purchase in XXXX of 2019. 

As you know such contracts, when a payment is late, often contractually are allowed to begin charging interest. 

Unfortunately, such banks often make XXXX year- olds like myself a victim of their bureaucracy through arcane rules and sometimes traps for the unwary. 

Because my spouse pays bills on the XXXX Synchrony does not recognize the payment for that month because their billing cycle begins on the XXXX. 

They were fine with removing the penalties when I call in but the whole thing smelled fishy and I asked for a hard copy of the correct payment window and was told by a supervisor 'no letter exists ' which I find highly suspicious. I asked if a letter could be written and was told by a senior account manager it wouldn't happen. 

Senior citizens, I believe, are being abused by their policies every day. 

Thank you for your interest.

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 2019-09-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT. I SENT INTHE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR EXPERIAN TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPLEN BY THE THEFT AND NOT ME.

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 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4. XXXX XXXX XXXX | XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called them and I asked them to remove the same issues that I have been solved it XX/XX/XXXX from trans union credit bureaus I talked to many different level of employees in dispute department, I asked them why they did report wrong and inaccurate info again? 
The supervisor didnt remove and disconnect on me! After spending two hours by phone! 
Please remove a hard inquiry from XXXX XXXX XXXX that appeared again on XX/XX/XXXX and reduced my score 27 dawn ASAP. 
They want to report all old info again or because of malfunction of their system, it happened automatically. Ether one I requested to remove it I appreciate it. 
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 2019-09-03 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: MO

Complaint narrative:
I am trying to temporarily unfreeze my account with Experian and having no success. The other two agencies took less than 3 minutes online. I've been trying to reach a human at Experian for over an hour and I just receive a never ending maze of automation. They have the wrong email address for me and want me to send a ton of information via the US Postal system. This is XX/XX/2019 and we shouldn't be required to send information via the mail system when the internet is completely capable of providing the means to transfer this information securely ( the other two agencies do this ). I can not stop using Experian because they are forced upon us by the banking and lending companies. They need to resolve these customer support issues if we are forced to use them.

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 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or around the date supplied, I called Capital One to verify I was in collections with them. I called Capital One to verify this debt when I was advised that there were 2 closed accounts that needed attention. I worked out a payment arrangement to get them both paid off so I can work on rebuilding my credit. After 5 years, and trying to apply for a mortgage, I find out that Capital One did not close my other account. Upon inquiry of the open account, they claim I only paid 1 of the 2 accounts that I had open. I told the person I spoke with that I called Capital One to pay them both off, and said informed me that I must have been routed to a 3rd party collector, as when someone who is in collections calls, the system automatically routes them to the third party. I was unaware of this. The person I spoke with in the initial call informed me that both accounts were going to be paid upon, when the last person at Capital One informed me that he gave me incorrect information, and I would only be paying on one account. Since this person was speaking on behalf of Capital One, and seeing as how the account has been charged off, and Capital One has been paid to this account, I only find it fair that they take this off of my credit so I can proceed with my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have been a client with American Honda finance for many years, I extended my lease to which I had auto pay set up for payments. I was never informed that they would be stopping to pull out the monthly payments. Because of this I incurred twice late payments since they stopped pulling out the payments twice once in XX/XX/2019 and XX/XX/2019. This has really negatively impacted me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4.  XXXX XXXX XXXX XXXX XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit 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 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX   XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4.  XXXX XXXX XXXX | XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit 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 non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XX/XX/XXXX- took out HELOC with RBC ; lost job due to company closing XX/XX/XXXX- received letter from RBC would settle loan for less. Did not respond but stopped making any payments XX/XX/XXXX- decided to file bankruptcy or do modification XX/XX/XXXX- applied for modification with XXXX . They contacted RBC - told sold loan to PNC. PNC sent email to XXXX stating loan was charged off and no longer existed. Due to that fact I chose modification not bankruptcy XX/XX/XXXX-XX/XX/XXXX- made payments on house. Sold XX/XX/XXXX XX/XX/XXXX- closing attorney said RBC still had lien on house. RBC was contacted by atty and myself. They had no record of me ever having a loan. RBC Stated we needed to contact PNC, as  they sold all HELOCs to them. When PNC was contacted XX/XX/XXXX they said they had no record of my having a loan with them. Referred me to collateral research dept. They sent letter showing where the loan was charged off in XX/XX/XXXX, but I still had to pay the $ XXXXat closing or house was not clear to sell. 
Spoke to CFPA rep after this. Said I could file complaint. 
XX/XX/XXXX- having to pay this amount and then I only had a {$3000.00} check from sale of house

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XX/XX/2019 PayPal debited {$12.00} from my account ( Unauthorized debit ) XX/XX/2019 I called PayPal. PayPal refused to return any dollars Issue : PayPal ( again ) makes unauthorized debits from my account. Previously PayPal made unauthorized debits/holds on my funds due to credit card charge backs. 

Dispute : PayPal, XXXX and US Postal Service have an agreement among the three to allow unauthorized debits for incorrect postage. I have no say in that agreement. 

Statement of Facts : I accidently switched two XXXX shipping labels. One label was for heavy package ( {$7.00} USPS small flat rate box ), the other light ( {$3.00} USPS First Class ). USPS debited the full postage cost of the heavy box ( {$12.00} ) rather than the correct cost of a small flat box EVEN THOUGH the item was clearly packaged in a USPS-issued small flat rate box which commands a postage of exactly and only {$7.00}. USPS has not to-date credited me with overpaying on the other package. ( {$7.00} paid rather than {$3.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03 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: Nelnet, Inc.
State: GA

Complaint narrative:
please remove i have letters and emails attached that show no proof of me attending the school that is all rolled up into my student loans - my XXXX report stated that i agreed in writing that it was removed in error and i never agreed to any sort of thing i need proof of this what is showing in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have a female put things in my name without my consent and without me authorizing and acknowledging, there are 2 credit cards in my name along with money from XXXX XXXX. I want them removed and deleted, I dont have access to a credit card, nor have i shopped and used one. I want this done and immediately i keep getting notifications from places that i never even shopped at. The girl had access to my info because she and I were dating and when we broke up she went on a rampage in my name because she was unable to do it herself which is not fair to me

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