vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 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: Early Warning Services, LLC
State: TX

Complaint narrative:
In XXXX and 2017 Early Warning Systems, a proverbial boil on one 's arm pit, continued to lie and make false pretenses via this United States federal government portal that it had indeed found I was a victim of identity theft and under the FACTA AMENDMENTS it would freeze or place a 7 year alert. Well that's rich I received word, because these fraudsters who have my SSN repeatedly attempt to open accounts, from XXXX XXXX who I have not applied nor solicited, the application was online so says the bank and further the Ip address and device fingerprint is not mine, but most troubling was not that it was denied, that should have absolutely happened as I have not asked Early Warning nor XXXX XXXX or XXXX XXXX to unfreeze rather it was denied because Early Warning Did allow the dissemination of my report to the bank and it contained the same fraudulent information it has now sworn it had deleted, but again like the festering XXXX it is Early Warning continues to cause irreparable harm and violate my rights under the FACTA AMENDMENTS to the FCRA and state law. They also engaged in unfair and deceptive acts that are so numerous it doesn't even shock me anymore. I demand this be investigated and corrected this is my final warning!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lending Club Corp
State: WA

Complaint narrative:
On XX/XX/2019 I decided to apply for a personal from the lending club. After carful review of my credit score 737 and a stable job of 8 plus years with an annual income of {$120000.00} should be enough to qualify for a {$20000.00} loan. Not the case at Lending Club. I was told that I didnt qualify for a loan because my loan to income ratio was to high, my total debt {$8000.00}. I was confused because it made no sense.i asked how they determined this I wanted to know what credit model and credit score range was used. Lending club explained XXXX supplied the information and credit questions should be  discussed with them. After speaking with a XXXX rep they do not deal with income ratios. Moreover, XXXX wanted to know what credit score model the lending club was using, having a high CS they were confused as well. I called the Lending Club back spoke to XXXX the floor supervisor said apply again online using a different email address and to call him back after I applied again. This time around I would qualify for a loan with a co-signer. I asked him over and over again to explain to me what in my credit history doesnt qualify me for a loan. He made no sense kept saying I need a co-signer and hung up the phone. Its my understanding of a lender denied a loan they should explain in detail the issue preventing me of approval so I can change or fix the problem. Keep in mind this is the short version of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank ( Home Depot Credit Card ) attempted to send me a refund at the end of last year by transferring {$100.00} to my bank, XXXX XXXX XXXX. My bank rejected the transfer. On XXXX, XXXX, I received a Statement indicating that a payment of {$100.00} was due. I called on XX/XX/XXXX to explain that I did not receive the transfer and was told it would be corrected in 7 days. It was not corrected. Every month since I've received statements indicating that a {$100.00} payment was due, and every month I called to report the error, and every month I was told that the error would be corrected. I have spent countless hours on the phone futilely trying to get the error corrected. Last week, I was told it would be fixed this week after I faxed 6 months of Banks statements to prove that I never received the transfer. Today, I was told it will take 15 business days. There is no reason to believe them because I've been told that countless times. On XX/XX/XXXX, 10 days from now, Citibank will report " my '' late payment to the credit reporting agencies.

I have no written record from Citibank ( other than my notes of my calls ) because they do not issue a claims number for tracking. I have to rely on Citibank 's phone log and customer recordings. Citibank 's Customer Service system is broken. 

XXXX 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 2019-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I took a loan from Moneylion at the end of 2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments. 
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " Location Services '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in financial services and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you. 
*Update * I just went through old emails and found that the account was sold to XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
I had a mortgage with XXXX XXXX who put my loan into an escrow loan which paid my property and insurance premium. In XX/XX/XXXX I received a notice the taxes had not been paid on my XXXX 27X64 XXXX  Home located at XXXX XXXX XXXX XXXX XXXX SC XXXX. Map # XXXX. Taxes due on XX/XX/XXXX were {$380.00} which are now {$500.00} with the penalties of nonpayment. I have contacted XXXX XXXX and got a rep who informed me they had sold my mortgage and transferred it in XX/XX/XXXX and they did not have my escrow anymore. Since it was not longer under them did they want me to pay the taxes out of their pockets. Rude Representative for this company since they are the ones that did not pay my taxes. I contacted Faye Services the same day and was told they would look into it and call me back which they have not. I called Faye Servicing again when I received another late notice and was told the same thing. I called the XXXX Tax Assessor 's office and spoke with XXXX, she informed me the taxes had not been paid and that someone called on XX/XX/XXXX to inquire about them from the mortgage company. I called Faye Servicing today and spoke with XXXX XXXX the Acct Mgr, she told me she would check on it and call me back. Once again I have been told that again. I have now received a certified letter stating if the taxes are not paid by XX/XX/XXXX my home will be placed up for sale. This means that a Notice will be placed on my property for everyone to see that my taxes have not been paid. That will cause embarrassment to me and my family. This has cause loss of time from my job to follow up with Faye Servicing,  XXXX XXXX and XXXX County, I have also had to make unnecessary trips to the PO to sign for registered letters. This company has me pay {$340.00} monthly to my escrow account and they can not take time to service their customers properly to insure they do not loose their homes. Faye Servicing XXXX is the customer service #. XXXX is the Account Manager 's email address. Faye Servicing XXXX XXXX XXXX XXXX IL XXXX and Faye Servicing XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Sometime in XXXX, there were 2 claims put in then bank reversed the claims by putting the funds ( = {$3700.00} ) in our account on XX/XX/XXXX & XX/XX/XXXX. I did not catch this and supposedly i spent that money so all of a sudden bank reversed the funds on XX/XX/XXXX making my checking a negative - {$3700.00}. My pension came in XXXX and bank kept it so as to pay part of the XXXX. I did not get any notice except 2 letters i received XX/XX/XXXX. I'm broke unable to pay my bills. Bank will not work with me as they say i did the claims ( i did not and not being clear to understand whats going on. I'm panicked. Can you help 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 2019-06-06 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: WA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX   ( Original Creditor : XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 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 2019-06-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I was renting an apt unit at their location called XXXX XXXX XXXXXXXX XXXX we moved in and we notify the manager XXXX we need to move out due to the apt ws unfit for me and my family it was not what they have promised us, the apt was dirty at the time we moved in the floor was damage the carpet upstairs has other people hair they claim they clean it but we feel they did not and also the laundry machine and the dryer was placed in the kitchen it is unsafe and health code violation to have this unit inside the kitchen next to the stove top when the dryer is running it will blew dust in to our kitchen area and created unsafe and not sanitary for our family to live on the stairs was hard for me to walk up I had fell multiple times while living there for the month so then we decided to move out gave the keys to manager XXXX sometimes on XX/XX/2019 and relayed to him and we left and told him to fix it before we can move back in he stated to our family he will have the collection company to make us pay him {$7000.00} after we left we were so upset that this company refused to work with us and so on XX/XX/2019 we contact him and asking him we will be willing to stay and work with him as long he promised us he will get these issue fix manager XXXX said we don't want to work with you and we send these penalty fee to our company XXXX XXXX to collect {$7000.00} from you and he said he already rent our place to someone else who will soon be moving in fyi knowing XX/XX/2019 rent has already paid in full at the time of move in, also we disputed this with him on XX/XX/2019 there for it is still the month of XX/XX/2019 and we still should have rights to continue our lease and it is still XXXX this is not XXXX there for this is a way of this co. collecting money {$7000.00} and yet they went and found new tenant within 24 hours and trying make us pay there for remove this now this is your scam your place was unfit for our family there for your co breached the contract.

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 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: GA

Complaint narrative:
I just found out a Company by the name of ERC charged my credit card {$320.00} on XX/XX/19. On XX/XX/19 was the first time I was informed of this charge. I never heard of this company nor have I given out my credit card number to anyone from this company. I could not get any of the company 's representative to tell me what I was charged for, nor would they tell me how the they got my credit card information. This is a fraudulent action by this company. I am not alone with this complaint from ERC ( Enhanced Recovery Company , LLC ) There are numerous complaints filed on Yelp by other consumers. I did call my credit card company and disputed the charge. Some time ago, I recall getting missed calls messages telling me I was going to Jail and the Federal government was in the process of having me put in jail. I am federal worker, I am still employed as a federal employee and as of XX/XX/19 I remain not incarcerated. It just seem suspicious that My credit card was hacked and this company was able to file for funds from my credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: WA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; AUTOMTD ACCT  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX ; ( Original Creditor : XXXX XXXX ) XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company is 'Portfolio Recovery ', contacting me via my cell phone from XXXX. I have repeatedly told this company to stop contacting me about this debt that is >16 years old. They always call from unidentifiable numbers. I have sent them letters via certified mail, still, the calls continue. I use my cell phone for business purposes. I can't handle having these harassing calls continue year after year despite my every effort to get them to stop. If they do not cease I will take action in small claims court for every FDCPA infraction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I got a call from the debt collector saying I owe 600 something for XXXX XXXX XXXX college and the person from the office told me I could start paying by splitting the payment into 3 so I started right away and I was told since Im making payments it wouldnt go into collections. Its still open account on my credit and its been paid off in full since XXXX this is really affecting my credit because its been paid off ad I would love for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: BB&T CORPORATION
State: GA

Complaint narrative:
Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX  balance since XX/XX/XXXX, yet Regional Acceptance has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. RAC is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. RAC is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that Regional Acceptance has a XXXX  balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. RAC still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
On my hard inquiries is XXXX XXXX mail order form. I did not do this. I received a TV from XXXX XXXX and did not order it. Checked with company and was told 2 TV was one they way to me. I did not order them. Have a police report and a letter from XXXX XXXX stating the account was opened fraudulently with my name.

Company response to consumer: Closed with explanation