vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
my complaint is with XXXX XXXX XXXX company I made a loan one time and encountered an abuse.It wasXX/XX/XXXX when I went to make a payment with cashiers check endorsed as XXXX XXXX XXXX a lady at the counter refuse to accept the payment because it was not written as XXXX XXXX XXXX, it was written as XXXX XXXX XXXX.if did not have time to change the office would be closed for four days they would charge me late fee and the bank would charge more fee for not having suficiente fund.This my first loan after I paid it with no even late one day one month later I received a letter notice of data breach.So that induced me to get loan in order to alieviate from someone using my information and get a loan until I do some thing to prevent identity theft.So when they gave me the contract I saw that the score was XXXX, but the next day when I checked my score was XXXX.And this was intentional falsification to jack up the score.Then on XX/XX/XXXX I wrote them a letter how we can solve the situation and never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX is and has been in " in-network '' primary care facility I was seen at their urgent care location immediately after a serious car accident end of XXXX. Suddenly I was receiving bills from the visit and a follow up visit to my primary care doctor. As I mentioned, they are in network with my insurance company and I only have small co-pays, which were paid. I have tried several times to get this straightened out but they use a 3rd party billing service and it's just been impossible. 
Now I have been sent to collection. I do not owe this money as all care received was covered 100 % less my co-pay. 
I have attached the collection letter and a copy of my actual billing summary from my doctor 's office-XXXX balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX show me that you are licensed to collect in my state ; Texas. Your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was diagnosed with XXXX and my health was quickly deteriorating so, unfortunately, I could no longer work. Around XX/XX/2014, I reached out to a church for assistance with paying my rent which they agreed to pay for half. I made my payment and the church mailed their payment in. According to the office manager, whom I may add, did not like me, they did not receive payment. I reached out to the church and was told the check had been cashed. I received an eviction notice and had to move out. I then asked them to give me a document showing the payments they received for my apartment and they did. I noticed they did receive payment and applied the payment to the account the same day they filed an eviction. I reported this to all 3 credit bureaus and 2 of them  removed the debt. However, Experian refuses to do so. I have spoken to many supervisors and submitted the proof showing payment was received and applied to the account but they refuse to remove it. They told me to contact the collections agency that has my account so I did. I asked for verifiable proof showing the eviction was filed before they received and applied the payment but they don't have any documentation showing that. They have no knowledge of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
This so called receivable performance Fraudulent, and Frivolous agency did not send an actual invoice like a monthly invoice of owed debits, I had no contracts with this Fraudulent agency, their validation is copying spread sheets on XXXX of other companies, no actual invoices, they sent an attachment of spread sheet copying channels of tv, it was not a statement, it was not an invoice from the actual company, they copied the XXXX XXXX XXXX logo and posted it on a letter that their scammer signed, he or she never realized how stupid he or she is. I had no contracts or signed agreements by me stating that I owe this scam frivolous fraud unheard off misleading scam artists. show me the validation of my signature to your frivolous so called collection company. I will be in the process to have my Attorney press charges in the Federal Court against them and collect punitive damages and Attorney fees and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A company just called me today called XXXX XXXX. Phone number XXXX. They said they were coming to my apartment tomorrow to serve me papers for an old debt from Citibank, over six years ago. The debt was XXXX, now its up to XXXX.the first man I spoke to on the phone told me they were going to come and serve me with a warrant. I am a senior citizen on social security.

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 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a USBANK checking account with promotion of {$200.00} around XX/XX/2017 but USbank refused to pay me back.

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 2018-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
In XXXX of 2013, I received a payday loan from a XXXX XXXX XXXX place at XXXX XXXX XXXX, XXXX, TN XXXX XXXX, TN. Since the lapse in time from receiving the loan, I do not have records of communication attempts or record of loan terms. I have no paid in full notice or any documents from ACE. Today, XX/XX/XXXX, I received a call from XXXX, CA XXXX. I was transferred to XXXX XXXX and spoke to a XXXX XXXX. XXXX gave me personal information like past addresses, last four of my social former place of employment, driver 's licence number, bank name and routing number and birth date. She also disclosed a past email address. She told me that I owed XXXX but that her agency would take a settlement payment of XXXX over the next 4 months. I set up payments to start on XX/XX/XXXX. After doing further research, I found that XXXX XXXX was not an official collections agency and found no information online. I called XXXX again to ask for an address, the rep did not want to disclose. I never received any official documents via email as XXXX stated I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on XX/XX/2018 a round trip ticket was purchased from XXXX for the amount of {$4300.00} with amex gold card, the ticket has a 24 hour cancellation policy.

with in the 24 hour window on XX/XX/2018 the ticket was cancelled on the XXXX website, as well to be double sure XXXX gets this cancellation note with in the 24 hour cancellation window, it was also send an cancel email to XXXX with in the 24 hours to cancel it. 

wile a credit was issued for leg 1 from XXXX XXXX in the amount of {$3400.00} but no credit was issued for the XXXX lag from XXXX XXXX XXXX in the amount of {$830.00} XXXX advised us to call XXXX XXXX XXXX to ask for a ticket refund XXXX said this ticket is not refundable. 

Our complain is that we ordered this ticket from XXXX that have an 24 hour  cancelation policy. 

we also have an email dated XX/XX/2018 from XXXX that this ticket had an 24 hour  cancellation policy. 

we opened many disputes cases with amex to credit this charge, unfortunately they always come back with the same answer from XXXX XXXX XXXX that this ticket was not refundable. 

wean we say to Amex : we did not agree to buy a non refundable ticket. 
and also the fact that we got credit for the first leg from XXXX XXXX shows that it was refundable ticket. 
as well go to XXXX and see the tickets have at a 24 hour cancellation policy. 
also we have an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. 

Amex is opening back the dispute and comes back with an answer that XXXX XXXX XXXX says this is a non refundable ticket ... 

it dose not help any explanation that we never agreed to order a non refundable ticket, or that we have proof an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. 

Amex is allwas comeing back sorry XXXX XXXX XXXX says this is a non refundable ticket ... 

PLEASE HELP US Thank you Mr. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: OK

Complaint narrative:
In Regards to ACCOUNT # : XXXX. 

This company is reporting inaccurate information to the credit bureau XXXX I have reached out several times to get this matter resolved with the creditor itself. I was informed yesterday that I needed to dispute the information with the credit bureau rather than the creditor because the creditor didn't have time to update all of the customers accounts with this issue as they have cut ties with XXXX as of XX/XX/XXXX. I have tried disputing this information with the branch several times prior to XX/XX/XXXX contact with the branch. 

According to the FCRA the creditor is to report accurate information to the credit bureau if they report misleading information then it violates the FCRA. Granted if the creditor stopped using XXXX as a reporting agency it should have deleted all customer tradeline 's from that Bureau. Not advise the customer that it is there responsibility to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC
State: FL

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX XXXX, Florida from XX/XX/XXXX to XX/XX/XXXX. While I attended schooling I was mislead in the education was receiving and cost of schooling of there. When I graduated in XX/XX/XXXX I noticed the total cost was not the same as I previously told by others that show me the total cost. Then in XX/XX/XXXX I was receiving phone calls in regarding of paying back on a private loan that was from that schooling. I was not aware of any private loans nor I did not sign for any private loans and again told everything was done through U.S. Department of Education. I was mislead with the information that was given to me at that time and a loan went to a private loan. The private loan is XXXX XXXX XXXX. From XX/XX/XXXX to current I have been paying this loan and having trouble with the payments every month. Also in XX/XX/XXXX XXXX XXXX XXXX close it doors for good and many people in a similar situation of repaying loans for a school that mislead consumers like me in the cost of the schooling. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Then in XX/XX/XXXX a U.S Judge awarded XXXX XXXX in claims for students attending the school for private loans and Education loans. With the loan with XXXX private loan the amount has not deceased since XX/XX/XXXX to current. It is still the same amount since it has begun. I do not understand how this can be since I have been paying for this for 5 years. Also it has destroy my credit because there are moments where I did fell behind and they keep harassing me with phone calls with threats till I give in and made a big payment so I can get caught up and end the harassing phone calls. In my opinion this private loan should be connected with my Borrower Defense claim because they are both coming from the same school. This loan should be forgiven because the school is no longer in exist and the court has just awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending this private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
After submitting a complaint regarding an uncompleted loan modification that was ongoing for several months, I submitted a complaint through the CFPB. U.S. Bank finally responded and corrected the problem and we got corrected paperwork and the loan modification was completed in XX/XX/2018. They also changed my credit reporting to show that I am NOT behind on any payment. However, my statements are still reflecting the old balance and that I am several months behind payments. The loan modification balance and payments are not reflecting on my statements. I have asked several times about this and it has not been resolved. Because of this, I'm unable to see my current balance and how my payments are being applied.

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 2018-12-13 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing this complaint because XXXX XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
There are two issues with XXXX XXXX on my report that are concerning.

First, I was a customer of XXXX XXXX   and I see that they pulled a report in XX/XX/XXXX. I was a customer for a few months but they were new in Montana and they service was sketchy, they promised to port my number ( business phone ) and could not for many months. the is a note attached to that activity : Permissible Purpose : XXXX XXXX XXXX/written authorization/investig fraud. I feel this is very strange and I did not authorize this nor did I commit fraud. I feel this is a negative commentary that I don't deserve.

about 6 weeks ago, I received a box from XXXX XXXX and opened it to find that XXXX XXXX had sent me 2 brand new in the box XXXX XXXX. I did not order, I was not a customer of XXXX, and I did not really know what to do.

I called XXXX but they kept asking for my SSN -- and since I have no way of knowing to whom I am speaking, I did not provide it, and they can't find an account by my name or address ( again, I am not a customer ) I took both phones to XXXX  in XXXX. I asked for the manager XXXX, and he helped me, he took both phones and sent them back. I have copies mailing documents that XXXX said indicated acceptance of the phones. I also have a recording of the entire conversation between XXXX, XXXX, and myself on the day I returned the phones. XXXX said it was the 4th set of phones returned in the same manner.

Today, I got a letter from XXXX  Reference Number : XXXX  saying [ dated XX/XX/XXXX] about the time that I that I was not approved for a phone in accordance with a recent credit pull ( I never requested it ) and I am concerned about this repeated activity and no assurance that XXXX is taking this seriously nor acting on my behalf. And, seemingly, they appear to be making my credit report with negative commentary. This is not fair to me.

Please note that the identifying information they provided in the XXXX  request on XX/XX/XXXXhas my name and address but the number is not mine. Never was mine, and is an apparent indicator of fraud and a possible link to the perp.

Furthermore, I believe XXXX  sold me phone that had a number from Idaho originally and that the phone was not new as it should have been. Why eles would there be a XXXX number assigned to it?

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 2018-12-13 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing this complaint because Equofax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: MO

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2018-12-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2018-12-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
Specialized Loan Servicing sls.servicingloans.com XXXX XXXX XXXX # This company drafted a payment in the amount of {$1600.00} from a bank account WITHOUT authorization, and also the payment was taken form a bank account that belongs to another business. This happened in the past already!!! They serviced other loans in the past, we own several XXXX  that own XXXX XXXX. Not only did they mix up the bank account but also they drafted payment without authorization at least twice. This mistake messes up our accounting and it also has tax consequences!!! This is unacceptable, they MUST follow regulation, train their personnel or get out of the market.

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