vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notification that an account was added to my credit report. On XX/XX/XXXX I contacted MG Credit and spoke with a representative that advised that they do not have this debt. Per the credit reporting act the collection agency can not collect on a debt they do not own. Additionally, I was told by the representative that the debt was given to a company that was closer to where I currently reside and that I should contact them regarding the account. I attempted to find out more information regarding why this account was added to my report by MG Credit if they no longer own the debt. The representative refused to put me in contact with their credit reporting specialist and in fact became rude and nasty on the phone. 

I became aware of MG Credit attempting to collect a debt for a XXXX  office ( I last received services from this XXXX  office in XX/XX/XXXX, and believed to have paid off the company ). In XX/XX/XXXX, I contacted MG Credit and asked for a verification of debt, in doing so I provided the company with my current mailing address. I never received the verification of debt information and was told that the account would be placed in dispute until I received the documentation. A month or 2 later I received communication from another agency attempting to collect on the same debt. I called that company and again requested a verification of debt and was told that the account would be in dispute. 

Ultimately, MG Credit opened a collections account on my credit report though they no longer own the debt and without communication or providing the requested information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to challenge the reporting and compliance on these accounts with -XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   XXXX -XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My complaint is based on using financial institutions to conduct my business properly due to identity theft, some of the disclosures which I received were not accurate, as a result this has been an atrocity that has hendered me from completing personal and business needs, with the help of the fair credit reporting act, hopefully this can outweigh all the challenges I've been faced with, in the future whatever information you need from me I can provide, I've also started a credit repair due these allegations which are not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have contacted XXXX XXXX  about a XXXX XXXX XXXX XXXX  Credit Card they allowed to be opened in my name fraudulently, and I have also contacted Citi Bank about a Home Depot card they allowed to be opened in my name fraudulently. I have mailed correspondence to both companies to let them know that these accounts were opened fraudulently, and I have provided both of them police reports that clearly stated these accounts and other accounts were opened in my name as a result of fraud, both companies have refused to refrain from reporting this fraudulent information from my credit report even though I have notified them multiple times and provided evidence that these accounts were fraudulent. 

I have also contacted XXXX  about these fraudulent accounts but XXXX has refused to do proper investigations, and XXXX was also provided a copy of the police report outlining the fraud. XXXX has chosen to continue to allow this fraudulent accounts to be included in my credit file. XXXX, XXXX XXXX, and Citi Bank continue to violate my FCRA rights and have therefor defamed my character by willfully and maliciously providing information they know and have been told and provided evidence these accounts were the result of identity theft/fraud. 

Police Report is Attached

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 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I received a letter dtd XXXX XX/XX/2019 from PayPal Credit, Synchrony Bank c/o XXXX XXXX XXXX XXXX, indicating that an account had been initiated in my name, and said letter explained the terms of said account. However, I never requested a PayPal Credit line, and when I log onto my PayPal, no indication of a PayPal credit account is shown. On XXXX XXXX, I wrote a letter to PayPal Credit ... .and indicated that I had not requested nor did I want such an account. I also requested information on any monies activity associated with said account. I received no response from the company so I initiated a 2nd letter, again requesting termination of said account and information on money activity. On the XXXX of XX/XX/2019 I received a response indicating they had initiated an investigation and frozen the account, and would get back to me after the investigation. However, they did not terminate the account nor advise me of any money activity, or explain why they didn't comply with either of my requests. Tomorrow, I'm sending a 3rd letter indicating that their actions were unacceptable, and that I was contacting the CEOs of PayPal, and Synchrony Bank, your organization, and our local Sheriff 's Department.

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 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted XXXX XXXX about a XXXX XXXX XXXX XXXX Credit Card they allowed to be opened in my name fraudulently, and I have also contacted XXXX XXXX about a XXXX XXXX card they allowed to be opened in my name fraudulently. I have mailed correspondence to both companies to let them know that these accounts were opened fraudulently, and I have provided both of them police reports that clearly stated these accounts and other accounts were opened in my name as a result of fraud, both companies have refused to refrain from reporting this fraudulent information from my credit report even though I have notified them multiple times and provided evidence that these accounts were fraudulent. I have also contacted Equifax about these fraudulent accounts but Equifax has refused to do proper investigations, and Equifax was also provided a copy of the police report outlining the fraud. Equifax has chosen to continue to allow this fraudulent accounts to be included in my credit file. Equifax, XXXX XXXX, and XXXX XXXX continue to violate my FCRA rights and have therefor defamed my character by willfully and maliciously providing information they know and have been told and provided evidence these accounts were the result of identity theft/fraud. 

Police Report is Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am filing a complaint regarding Navient payment plans and the active lawsuit that they are involved with. I am a XXXX XXXX for an XXXX XXXX and has been with the company 3 years now right out of college. I never received any information regarding better payment plans for me besides an IDR plan which increased this year slightly under the amount I was originally charged. Being involved in a XXXX XXXX does not pay the best which does not allow me to pay these payments in full with no other options available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: FL

Complaint narrative:
I received a phone call at XXXX XXXX.i block out the number and they still try to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019 I went to a drive thru atm machine for Bank Of America, located on XXXX XXXX, made a deposit of {$1000.00} in cash, the machine started not giving me any next or continue options but took my cash instead and gave me back my card, right away I called the number posted in the machine and started a claim. I was given a temporary credit of {$1000.00} until they can check and see what happened. 30 days later I was given a credit for {$1000.00} which was taken away from my account on XX/XX/19. Now I received a letter stating they made an error with crediting me {$1000.00} and that from my deposit was only missing {$100.00} not {$1000.00} and they will take away now another {$900.00} on XX/XX/19. I called Bank of America because why tehy gave me the {$1000.00} missing, then taken away. I was told they made a mistake and they are going to take another {$900.00}. I explained that if they never found my money why was the credit given and they said it was an error oops I'm sorry. On my end i knew my claim was done and resolved and the credit was given and now they said it was a mistake. They said is nothing they can do but I was misled and still missing my deposit and I have to pay for their error! I don't think that a big corporation can make such kind of mistake and then say, sorry there is nothing we can do! My money shouldn't be taken away for their mistakes. I didn't do anything wrong I follow every step they asked.

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 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I have tried to dispute the account with XXXX XXXX XXXX  on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$1100.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I did not apply for this credit card. I can also provide proof that I did not apply for this credit card or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from XXXX XXXX XXXX and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. I also received a letter from them stating that they sent me a Fraud Affidavit to fill out again which was already sent as I have informed delivery from the USPS and I can prove they never communicated with me by mail, as the letter states that they sent me the information. I called again on XX/XX/XXXX after receiving the letter and explained to the Fraud Team again this identity theft and to remove the card from my credit file, and the representative named XXXX advised will re-open fraud claim and sent the fraud affidavit again and remove from my credit, however they have failed to do so and the account is in dispute again with credit reporting agencies. Now XXXX XXXX XXXX XXXX states that I didnt get documents to them in time and have sent the account to Sequium Asset Solutions and my Attorney In Fact and POA and myself have disputed the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Berman & Rabin, P.A.
State: VA

Complaint narrative:
I was the victim of a malicious chargeback fraud attack from a payment processor. A legal practice has been attempting to collect a debt ( not the original processing company ) much against my confusion and what I believe to be NOT of my own personal liability. 

This company has refused to respond to my negotiations and has now blocked me. I have not been disagreeable or offensive in any way and have attempted negotiation. Theyve threatened to sue me multiple times and Ive made PROVABLE efforts to send payments to the ACTUAL COMPANY NOT THESE FALSE REPRESENTATIVES. 

They are attempting to collect a debt that is NOT theirs and claim Im in breach of contract. I have NO contract with them. My obligations, if any arguably, are 100 % NOT on par with the company claiming to represent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: AES/PHEAA
State: MA

Complaint narrative:
I transferred my student loans from XXXX to Fedloans in XX/XX/XXXX, since I am going through the PSLF program for loan repayment. I started making payments in XXXX and so far Fedloans has not been able to give me a accurate amount of qualifying payments. I have been waiting since XXXX of XXXX to get the number of accurate qualifying payments I have made thus far. I have been calling periodically to see what the status of the payment count is, and I have been told they can not tell me how much longer it will take and that there is nothing I can do about it. So far the only payments they have accounted for, are the payments from when I transferred my loans to Fedloans, until I requested a payment count XXXX of XXXX. It does not seem right to have to wait for over 17 months to get to the bottom of this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Filed a dispute with Experian and XXXX for identity fraud items, info unchanged, then got court orders, dismisslels, receipts, police reports and FTC reports and still unchanged, transunion had everything fixed in a week but Experian isnt even looking at my documents. I'll be getting a lawyer to get this matter resolved if they cant look at my info. One of the companies credit services even sent Experian a delete letter and they still didnt budge. 

Soc 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 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I sent a letter to my mortgage company Rushmore Loan Management Services ( RLMS ) requesting release of my Private Mortgage Insurance ( PMI ). The letter is attached. I stated that my current loan value was {$78000.00}, and my property value was {$100000.00} according to the appraisal that the loan was based on. RLMS responded XX/XX/XXXX stating that my request was denied because the loan-to-value ratio had not reached 80 % based on the original value of the property. The response is attached. I then submitted a dispute via online secure message on XX/XX/XXXX explaining that I disagree with their loan-to-value ratio calculation. The correspondence is attached. I stated that the appraised value of the home was {$100000.00} ; the negotiated purchase price was {$90000.00}, and the original loan amount was {$85000.00}. Based on this information, my loan-to-value ratio was less than 80 %, thus I am eligible for release of PMI per Federal law and the Homeowner 's Protection Act of 1988. RLMS responded on XX/XX/XXXX saying that my current loan to original value is 78.2 %, but that they were still not releasing my PMI, but they wanted me to pay $ XXXX {$1000.00} to have an appraisal first. The response is attached. I am asking the CFPB to review this case and request that RLMS release my PMI as required by Federal law and the Homeowner 's Protection Act of 1988.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: First Credit Services Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX money has been trying to take out from XXXX XXXX and i never made an account with them now its in collecting and thats incorrect since i never made an account with them. My dad had me under his account as a membership for XXXX XXXX on XXXX this really needs to be fixed it shouldnt be charging or trying to charge me if they dont even have my credit card number

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had a credit card with Pentagon Federal Credit Union that was charged off a few years ago. A year or so after it was charged off, they sold or transferred the delinquent account to a third party. To this day, they are continuing to report a current balance on the account to the credit bureaus. According to Metro XXXX Reporting Guidelines, if they have sold or transferred an account to a third party, they have to report the balance on my credit reports as 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 2019-06-11 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: NC

Complaint narrative:
Credit bureaus 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-11 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
When returning home from a XXXX treatment, a young lady knocked on our door and my husband answered, she gave him a letter and walked off. As my Husband, read the letter we realized that our characters ' are under defamation and is being demonized by a company that we don't not have a validated or verifiable relationship with. We have never heard of this company. We have no personal or financial relationship with this company ; therefore we find it impossible to owe them anything, especially at a time where hospital bills are adding up in the thousands and we are praying to keep them up in-order to keep the much need treatments going. This is not the time for my myself or my family to argue an unnecessary debt that we have not created when we have a much bigger debt being created almost daily and we are optionless on having to find means to pay it. Please remove the unknown and unauthorized collection from Midland Funding LLC. Under the FCRA 15 U.S.C.168 li, all unverified accounts must be promptly deleted. Thank you all so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to challenge the reporting and compliance on these accounts with -XXXX XXXX XXXX -XXXX XXXX  - 09 XXXX  XXXX XXXX   XXXX -XXXX XXXX XXXX XXXX -XXXX -09 XXXX XXXX These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.

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