vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX tranferred the servicing of this fraudulent loan, that I have been forced to pay them over the years. Ditech in addition of its knowledge that the mortgage lender was not XXXX XXXX XXXX, took the service of such fraudulent loan on XX/XX/XXXX with the intention to stole my property by conducting an evil plan with the aide of XXXX XXXX XXXX, XXXX by refusing payments. First they said, " we have to wait for all the documentation from XXXX XXXX XXXX it might take up to 60 days ''. Then they said on the 60 day " we still have not completed the transfer '', after the 60 days they said, '' we can not receive payments, you have to wait for a letter from us ''. We insisted that they could use the direct payment draft from our bank that XXXX, was using, but they insisted we have to wait for the letter. We made several calls to them the first one was in XX/XX/XXXX to XXXX who told us they have transferred the service to Ditech because they did not inform us. We called them right after and they replied what I wrote above, " we have not received the documents from XXXX you have to wait '', we called them several times each month. but they insisted to wait for their letter. but all of these was just part of their scheme because we discovered that Ditech Financial withdraw a payment on XX/XX/XXXX and then stopped the withdraw of the payments pretending they couldn't do it with the purpose to foreclose and stole our property. Then on XX/XX/XXXX they sent us a letter from XXXX XXXX stating, the full amount to reinstate the loan is {$6600.00} good to XX/XX/XXXX '' they also stated that some charges might not be used by that date. We paid them the entire amount requested before their due date. It was obvious they wanted to lead us to foreclosure to rob our property, because they knew XXXX and they did not own the mortgage because it was satisfied since XXXX. At that time we did not know of this fraud until three months ago. Ditech transferred the servicing to XXXX XXXX XXXX that also knew about this fraud on XX/XX/XXXX. We want an audit history that includes all the payment of principal, interests and fees. This crook had the audacity with the aide of its partner of crime XXXX XXXX XXXX to provide them when I asked for information from XXXX copies of fabricated monthly bills that they never sent, and fabricated letters stating, as if we asked them for a modification, and others as if we appealed their denial. which is a big lie. they again as XXXX and XXXX mentioned the name of a New York trust to be the owner of my alleged mortgage, which trust doesn't exist. The investors who are the ones that funded my loan based on my signature were fully paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have a {$700.00} XXXX XXXX credit card managed through XXXX XXXX. I filed for bankruptcy two months ago. My lawyer and the Bankruptcy court of Tennessee has contacted them to make them aware of my bankruptcy filing status. They have filed a claim in my case. However, they continue to call me from multiple numbers all day every day upwards to 20 times a day, and often use a restricted number with which to call me from. They even call Sundays while I'm in church at XXXX. However they always use a restricted number to call me on Sunday mornings. I have contacted my bankruptcy lawyer regarding this issue, as well as informed the company with this issue, however they continue to harass me. I have provided some screen shots of my phone log but can provide copies of my phone bill for better clarification if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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 Karma, LLC
State: MD

Complaint narrative:
A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
This company is attempting to collect a debt, and not knowing what they were about, I looked them up Texas Secretary of State Finance Code and discovered that they do NOT have a surety bond on file with the state, so therefore, it is unlawful for them to collect debts in this great state of ours. Not only that, the debt is not mine, and I have told that to the endless callers, and to only contact me via mail. But they keep calling. And calling. And calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Company is Portfolio Recovery Associates ( PRA ).

I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the de

bt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt Portfolio Recovery Associates claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said.

I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect. 
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' PRA has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing. 
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

While reviewing my personal information due to the Equifax breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have never entered into any verbal or written contract/agreement. I have not wet ink signed any documents nor authorized any electronic signature to execute this or any other account with this company. Someone has gotten a hold of my documents and applied to receive this account acting as me without my knowledge. 
Delete the following accounts : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX XXXX XXXX GA XXXX not my address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD Astra Recovery Se has attempted to collect money, and has report bad activity on my credit profile. I do not owe AD Astra Recovery Se. This company has failed to present a sign contract between myself and AD Astra Recovery Se, along with proving my identity. Please remove this alleged account from all 3 credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CA

Complaint narrative:
During application for a XXXX credit card an equipment failure sent the application to several past pages. My credit is at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: GA

Complaint narrative:
I sent a dispute letter to Equifax certified mail and after 45 day I have not received a response from credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Complaint being filed towards Experian for incorrect reporting on XXXX XXXX  Account Verification information for proof that I XXXX XXXX XXXX is filing this complaint and it's not a fraud complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX Phone : XXXX Date of Birth : XX/XX/XXXX I have called and disputed this transaction with Experian and also thru the CFPB which Experian stated on both disputes that XXXX XXXX  account has been closed and does not report on my credit report which is a lie. Experian will delete the account and two weeks later will put the account back on your credit report and blame it on the creditor. I have contacted XXXX XXXX several time inquiring if they informed Experian to put the account back on my credit report and they said no. XXXX does not report monthly to Experian any longer due to the account is paid off in full. I spoke to the Vice President of Customer Service at XXXX  XXXX XXXX XXXX and she was the representative to inform me of the information I am providing. I am requesting Experian to remove and XX/XX/XXXX late payment reporting on my XXXX XXXX Account immediately. I have enclosed documents showing proof that the settlement check was cut, received and deposited by XXXX XXXX in XX/XX/XXXX. The attorneys I have hired from XXXX XXXX will fight legally with Experian to get the account removed permit but at this time due to the proof of payment in full to XXXX XXXX in XX/XX/XXXX I am requesting the late payment to be deleted immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Company is XXXX XXXX XXXX ( XXXX ). 
I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the debt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt XXXX XXXX XXXX claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said. 
I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect. 
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' XXXX has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing. 
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against 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
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Debt reporting negatively on Credit report for last 5 years and it doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Mam, on XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX or XXXX XXXX XXXX initiated a hard inquiry on my experian credit reports without having my authorization. 
I kindly ask you to remove the hard inquiry thank you. 

XXXX XXXX phone XXXX XXXX XXXX email : 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 2018-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sirs, XXXX  XXXX XXXX pulled a hard inquiry on my Experian credit report on XX/XX/2018. 
I have never authorized this inquiry and I kindly ask you to remove it. 

Thank you XXXX XXXX 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 2018-05-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ; I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
My car was repossessed by XXXX XXXX  Wednesday, XX/XX/XXXX, due to me being three months behind on payments. I have been sick and dealing with paying bills at the same time. I have asked this company to give me a chance to catch up, with no success. This company for the last year has been harassing me for payments, so I had a cease and desist request put on my account, but I was never informed that my car would be repossessed. XXXX  XXXX  never gave me a chance to retrieve my personal belongings and now l has to come up with {$1500.00} by XX/XX/XXXX to get my car back. I've been met with rude, condescending representatives at all levels trying to resolve this issue. 
The last correspondence I got from XXXX  XXXX  was XX/XX/2018. 
I don't appreciate being treated like a criminal. I've tried my best to keep up with the payments, but this company refuses to work with me. I'm going to file a complaint with the Illinois Attorney General 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: NY

Complaint narrative:
I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b

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 2018-05-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Due to their system being compromised a lot of customers who bought electronic gift cards from the company, PayPal Digital Gifts, lost all the balance from the gift cards they bought. I am an affected individual also. 
Item bought : XXXX XXXX XXXX digital gift card. 
Value : {$50.00}.

Price paid : {$40.00}. 
Order number : XXXX Date of order placed : XX/XX/17. 
Bought from XXXX. 
Sent an email to the company today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
On XX/XX/2018 GC Services debt collection attempted to withdrawal {$2500.00} from my checking account in which I never authorized. I received a call from my bank indicating a " suspicious '' transaction that had just occurred. Originally, I agreed to a {$250.00} monthly repayment plan, but GC Services took it upon themselves to attempt to withdrawal {$2500.00} in which I did not authorize.

Company response to consumer: Closed with explanation