vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am having a problem with Experian XXXX XXXX, XXXX XXXX, XXXX, Texas who refuses to let me file for a dispute on my credit cards. I have been in the hospital for a long time, and in rehabilitation, but my credit cards have been with me, but there are many things on my credit card I have not purchased like XXXX XXXX on a card I had to cancel, and other things as I have been too ill to be making massive purchases but the IRS said I was living in XXXX XXXX and had bank accounts I do not have but other people have been opening accounts in my name as well. 
I have had many false things coming into my computer by fraudulent people, and there is one that says they are XXXX as I have an XXXX computer that is not me as well. 
I would like this corrected on my credit account, as I have had to take legal loans on my present injury case. I had XXXX XXXX and now require XXXX  XXXX as well, but I am deluged from letters from this credit bureau and a scam that wants me to pay {$20.00} a month for a credit reporting agency which is false and unable to find the credit that others have taken in my name. I read on the internet that others have problems with this outfit as well. I live for free with eye x husband and roommate on personal loans on my case pending now and do not have a lighting bill which Experian requires or current ID but iffy do not pay rent and have the meter in your name you get no lighting bill.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I was contacted on in XXXX of this year 2019 by Debt Recovery Solutions , LLC saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from XXXX XXXX XXXXg 5 years ago and never paid back the loan. 

I asked them if they were XXXX XXXX XXXX? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe XXXX XXXX and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to Debt Recovery Solutions , LLC Then all of a sudden I get a collection reported on my credit report by XXXX  XXXX XXXX so it appears, but the address is the same address listed on the Debt Recovery Solutions , LLC letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened inXX/XX/2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XX/XX/XXXXCredit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
The debt already was submitted on my report as paid/ charge off I voluntarily made agreement to surrender vehicle XXXX XXXX years ago due to medical reasons XXXX failure going on XXXX and on a fix income social security and they agreed to. The vehicle was sold and majority of debt owed was paid this collection agency brought the loan and submitted a substantial amount owed that was incorrect company should have know rights to my private information nor submitting an inaccurate debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: GA

Complaint narrative:
The purpose of this complaint is to warn consumers against using the services of Xoom to execute international money transfers. Unlike other more established money transfer agencies, Xoom outsources the execution of international money transfers to third party entities located outside of the USA and that are on diametrically opposed time zone. The issue resolution process is onerous. My experience is not unique. I wish I read customer reviews about Xoom 's international money transfer capabilities. Please find below the details of my painful experience dealing with Xoom. 

On XX/XX/2019, I used the services of Xoom to initiate an international money transfer in the amount of more than {$1000.00} to a recipient 's bank account based in XXXX XXXX. The Xoom tracking number for the transaction at issue is : XXXX. The money was supposed to be deposited in the bank account of the recipient no later than XX/XX/2019. However the funds were never deposited in the recipient 's bank account. 

On XX/XX/2019, I contacted the customer service department of Xoom to inform them that the funds were never deposited in the intended recipient 's bank account. They counter claimed that the transfer was successfully completed. They went on to request that I provide the bank statement of the intended recipient but I declined to do so for security and privacy reasons. I instead requested that Xoom provide a proof of deposit showing all references relevant to the presumed execution of the transfer. This is when Xoom indicated that they would request the proof of deposit from a XXXX XXXX based third party entity which executed the money transfer on Xoom 's behalf. The customer service agent indicated their service level agreement with the third party entity requires the latter to produce the proof of deposit within 1 business day. 

I followed up with Xoom on XX/XX/XXXX then on XX/XX/XXXX to inquire on the status of the deposit confirmation. Xoom was unable to supply any deposit confirmation and suggested that I check back at a later time. I indicated to them that I was in no position to wait any longer and requested to speak to a supervisor. After multiple back and forth, the supervisor returned to the phone line to let me know that the money transfer was not successful because the bank details I provided were allegedly erroneous. Xoom has failed to supply any documentation ascertaining that an attempt to transfer to funds did occur and was rejected. Xoom has initiated the refund process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANNER CORPORATION
State: WA

Complaint narrative:
*cough* Yesterday, XX/XX/2019, I had a balance of {$8.00} in my checking account. I meticulously monitor my account daily. Today, my balance was XXXX. I scrolled back to see where the negative amount began and it goes further then XXXX. It shows I've been in the negative at the end of the last three months. But I have bank statements showing that I was in the XXXX at the close of each month. If this is not resolved immediately, they may be hearing from my lawyer. 
Thanks and XXXX Bless!

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 2019-12-31 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: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I was contacted on in XXXX of this year 2019 by XXXX XXXX XXXX XXXX XXXX saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from California Check Cashing 5 years ago and never paid back the loan. 

I asked them if they were California Check Cashing? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe Cash Central and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to XXXX XXXX XXXX XXXX XXXX Then all of a sudden I get a collection reported on my credit report by California Check Cashing so it appears, but the address is the same address listed on the XXXX XXXX XXXX XXXX XXXX letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened in XXXX of 2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XXXX  Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I was contacted on in XXXX of this year 2019 by XXXX XXXX XXXX , XXXX saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from California Check Cashing 5 years ago and never paid back the loan. 

I asked them if they were California Check Cashing? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe Cash Central and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to XXXX XXXX XXXX XXXX XXXX Then all of a sudden I get a collection reported on my credit report by California Check Cashing so it appears, but the address is the same address listed on the XXXX XXXX XXXX XXXX XXXX letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened in XXXX of 2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XXXX  Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: PA

Complaint narrative:
Lived in XXXX  housing given to my former wife being XXXX XXXX XXXX XXXX. till we were wrongfully evicted on XX/XX/2015 leaving XXXX XXXX service member and her family homeless on XXXX and essentially the rest of her XXXX  period. Tried to work with company to clear things up and work with them beforehand yet they were very rude and unwilling to even attempt to be human. After eviction, the stress aided in separation of wife and I which led to divorce. After this I heard nothing more about any debts owed or collections being taken until i started checking my credit report recently. So, in short, I sum it up in two bullet points 1. Wrongful eviction so anything needing fixed or replaced would have at actual end of lease which means debt owed is on them not us.

2. The paperwork Ive seen all says the past wifes name, not mine.. I have received no mail, email, paperwork, or even phone call about it.. so I take 0 responsibility for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
This Debt was incurred as a result of my former landlord or new tenant? keeping the power on in my name long after I left the home. I had sought him out but he lives in XXXX now. This Bill is {$580.00} dollars but when I left the house the bill was closed. I'm not sure If the new residents continued service or turned the service back on in my name using an old bill that come to the house but this debt is not mine. I wish to have this account removed from my credit report as it is totally fraudulent. I had no idea about this bill until it appeared as an unpaid debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My student loan has been listed as In Repayment with Firstmark Services, despite the fact that the loan should be forgiven ( {$0.00} balance ) through a teacher forgiveness program. 

On XX/XX/XXXX, the human resources department at my school district, XXXX District XXXX, mailed a South Carolina Student Loan SC XXXX Loan Forgiveness form to South Carolina XXXX XXXX XXXX, XXXX : XXXX. SC Student Loan confirmed by phone that the paperwork was received the first week of XXXX and was forwarded to Firstmark Services, the new loan servicer, https : //firstmarkservices.com/. SC Student Loan also confirmed to me that this year of service would mark the total forgiveness of the loan, and that the balance should be {$0.00} once paperwork is processed. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was in repayment status. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was past due. I spoke with a customer service representative with SC Student Loan and was told that paperwork has been in process since Firstmark Services took over servicing their loans, and to request a deferment so that the paperwork could " go through. '' I spoke with a customer service representative with Firstmark Services, and was told that I could receive a deferment through XXXX. On XX/XX/XXXX, I received communication from Firstmark Services that the deferment had been approved. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was once again in repayment. 

On XX/XX/XXXX, I spoke with a customer service representative with SC Student Loan. She remarked that, after looking over my system notes, that it appears Firstmark Services had not responded to their submissions, and apparently Firstmark had not done anything to process repayment since XXXX. She would re-submit the paperwork on my behalf. 

My loan is currently listed as due XX/XX/XXXX. 

In my years dealing with SC Student Loan, I have always experienced excellent customer service and timely processing of forgiveness and deferment. I believe the issue is with Firstmark Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased an anniversary ring for my wife for our XXXX wedding anniversary. Then XXXX XXXX went bankrupt with Comenity Bank. Then all of a sudden I have multiple companies reporting the same account on my credit report. Information is incorrect and duplicated giving lenders the idea that I have multiple account with different balances causing creditors to deny me credit. Also causing a financial hardship due to having to hire a company to help sort out the mess.

I have attached the pages from my credit report for the same ONE account, that all of a sudden is three accounts with all different information. I purchased one ring, one account. 

These companies are in violation of the Fair Credit Lending and Debt Collection Practices Acts. 

Please help me eliminate these account. 

The companies are : XXXX/XXXX  ; XXXX XXXX XXXX ; Comenity Bank ; XXXX/XXXX ; Comenity Bank/XXXX ... .this is not fair to me or my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I've opened card at citi bank branch on XX/XX/XXXX. I got their offer page for prestige card with XXXX points and annual fee XXXX as a gold client customer. I have their origin paperwork as proof. They helped me open and it was instantly approved. The banker told me she made a mistake, and the offer term got something wrong, so we went help with the citi gold manager to fix it. They confirmed me everything was fixed and I would get the right points and right annual fee rebate, however, the annual fee rebate would happen after several statements because it was a new card and the rebate would happen later. Now after several confirmation with the phone rep, I was double checked and triple checked I would have my rebate after XXXX cycle. But it did not happen, I called the phone rep again and they told me a different story, and the annual fee which citi agree on was not existed, and there was no notes from the previous several dialogue. I am frustrated that citi take back what they promised and told me that they would honour for me. Citi showed they failed to help me with the issue, and also they did not agree to do any investigation and believe I was talking nonsense. I feel sad and helpless for what citi tore away our trust.

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 monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: College Ave Student Loan Servicing, LLC
State: MS

Complaint narrative:
XX/XX/2019 was when I got my first bill from XXXX XXXX company. I had a balance of XXXX. I was responsible for making a payment of XXXX dollars originally from College Ave Loans. They told me about making payments each month for 2 years. I was dealing with College Ave Loans when I first sign up with my dad has the co-signer. He was the person that helped me with making the payments. The first time I was making payments toward my private loan i was making current payments until it was sent to a debt collector which was XXXX XXXX XXXX. They told me that I was behind on payments so I had to make the payments that they agree to which was {$180.00} each month. After that, I kept making monthly payments to XX/XX/2019. Then, in XX/XX/2019 I sign onto my website to make a payment to XXXX XXXX XXXX. I noticed my account balance was not correct. It went from {$1100.00} and now back to {$6800.00}. I realized that they had changed they had changed my account number and did not give me a letter to tell me that it was not going to be the same account anymore. So, that is when I decided to call College Ave Loans to tell them that the balance was not correct. College Ave loans did not fix anything that was wrong. They said that it was handle by another third party company. They would not be able to do anything else about that. I realized what they were doing was not legal it was something that they were making false statements about.

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 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
In XX/XX/2017, Hurricane Irma destroyed my home in XXXX GA. It has taken over 2 years to rebuild it. I'm still not done but am close to finishing the rebuild. However BB & T is holding and will not release the rest of the money that the insurance company has already paid out. BB & T told me the bank is holding the final {$25000.00} until the house is " 100 % completed ''. But I can not finish the house until I get that remaining {$25000.00}. I only owe about {$50000.00} on the mortgage and have always paid my mortgage payments on time. When the house is completed, it will be worth around {$300000.00}, so it doesn't make sense for BB & T to not pay me to finish the house. BB & T needs to release MY money so the house can be finished!

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