vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Payday loan 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: Ad Astra Recovery Services Inc
State: WA

Complaint narrative:
I received an alert on my XXXX account of a collections that had been opened. The account was added by Ad Astra Recovery Serv For XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX. 

After looking further into the collections posted, I learned that the company was claiming I owed them {$2200.00} for a loan that I never took out. This started on XXXX XXXX. 
I have disputed this three times now. I even locked my credit report. To make matters worse, I get demanding and threatening emails/phone calls. I have received 8 emails saying my employer will be contacted and they hope Im fired, that all of my salary/wages will be confiscated, that I have a warrant for my arrest, they are coming to seize everything I own and that I will go to jail and be publicly humiliated. The emails are coming from supposed lawyers working with the collections company. They call at least six times a day from random numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I have a loan with XXXX, CNS PORT SVC, and XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, CNS PORT SVC,  and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested that Equifax fix an error on my report over 10 times via phone and online. The company refuses to update the incorrect information because they claim they can not and the outsourced representatives do not know how to. My consumer statement is still wrong and has the wrong phone number which prevents me from passing identity verification because Equifax will not remove it nor update it. The company has also added back two accounts from XXXX ( XXXX and XXXX ) and XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX which were investigated, disputed, and removed over a year ago as a form of retaliation because I have placed complaints on the company. I am unable to look at past disputes which prove this behavior that is being conducted because Equifax blocks me from viewing past disputes over 10 days ago. Equifax will not cease these violations and has been sued for this behavior yet continues to practice the same violations after being made aware. Also, the company continues to supply generic customer service responses to complaints claiming it has rectified the issues but that is false. The incorrect information, lack of customer service, and retaliation tactics are preventing me from obtaining credit. It hard to get proper assistance because the representatives are outsourced and do not fully understand the assistance you need nor do they care. I am still unable to reach Equifax by phone to resolve this because I can not verify myself through the automated phone system because my personal information is incorrect and they wont fix it after six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Upon checking my Navient account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXX XXXX XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I have a loan with SUNCOAST CU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and SUNCOAST CU with no successful resolution. There was definitely an error on their part.

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 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: NJ

Complaint narrative:
Our closing date was originally scheduled for XX/XX/XXXX but we never received the clear to close from XXXX XXXX. We and multiple individuals on our behalf have been trying to receive an answer on what is delaying this process for the past 5 days and no one will return our calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial
State: PA

Complaint narrative:
I found out about the debt XXXX XXXX 2020. I contacted the company and as them to do a fraud investigation and they said only if I provide copies of ssn card and drivers license. I said no why would I give my personal ID on an account that I did not open. I was told that the account was open via online in XXXX 2020 at midnight for a business at an address i never lived. Once the account default they called me but before default money was auto draft from an acct I never had and they have been speaking to this fraud person regarding the acct along with references. No inquiry has ever appeared on my credit file from the company especially because i have always had a credit lock. This company is known for opening accounts against consumers claiming via online w no inquiries then trying to collect on false debts and is always sued. Also i have a ftc report and irs fraud report because my ssn was stolen.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon checking my XXXX account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX   XXXX. 

I never attended the University XXXX XXXX XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX XXXXXXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXXXXXX 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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon checking my XXXX account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXXXXXX XXXX, XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX, XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon checking my XXXX account through Experian, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXX XXXX, XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX, XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University 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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: KS

Complaint narrative:
On or about XX/XX/2020, I applied for an auto loan. I was approved for a loan with an outrageous interest rate and monthly payment of {$800.00}. I was floored. I declined the loan. I was confused because my credit scores with XXXX, XXXX and XXXX are all XXXX at the time. A couple days ago I got a denial letter ( a month after ) from XXXX XXXX ( with whom I already have a car financed ) stating that they wouldnt finance me because Sage Stream had reported a XXXX for a credit score. This is bogus. Sage Stream is a company engaging in shenanigans with certain banks reporting lower scores so that the banks can charge higher interest rates. I advise anyone who sees this to go to the Sage Stream website and freeze their credit report with this company immediately. The authorities and Credit Reporting Agencies should file fraud charges on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
A factoring company called XXXX was supposed to send a payment to me in the form of a check for {$2000.00}. I asked them before beforehand to send a check because I had to close my bank account. They told me they would mail the check to me, but they did not. The company sent the payment to the closed account using ACH from Wells Fargo when they told me they were going to send a check. I contacted Well Fargo an they stated the company that sent the money would have to request the trace because I was not their customer, they could not help me. I feel like they are trying to defraud me. I contacted the bank XXXX XXXX that the closed account was sent to. They stated the account was indeed closed so they rejected the payment as it could not be posted to a closed account, that payment was sent back to originator. They told me to contact Wells Fargo. I have contacted XXXX, XXXX XXXX and Wells Fargo multiple times with no resolution. The vendor is not being helpful tracing the funds. I feel like they are just trying to keep my payment. It should not be this difficult for an average hard working American to trace and collect a payment that is due to them. Please help.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I had a XXXX XXXX with Ally back in XX/XX/2019. At the time of the purchase the finance director tricked and deceived me by adding a lot of aftermarket insurance that never needed, wanted or asked for. When I realized that after 2 months I called XXXX and canceled everything. The process took so long, eventually the car got totalled. Between what I paid, what my insurance company paid and all the aftermarket cancellations Ally was overpaid by {$2700.00}. They only sent me {$220.00}. 

I have been trying to contact them for the pass 6 months, all I am getting is a turn around. I sent 2 certified letters in XXXX, I sent several emails, between XXXX and XXXX, I talked to several people during the same period, I always get the same answer " a manager will call you back ''. Nobody ever bothered to contact me. 

I am going through a rough time right now, I lost one my job, I can use that money to pay some outstanding bills. 

Attached are copies of all the transactions, letter I sent to Ally on XX/XX/XXXX and emails between Ally employee and I. Eventhough, she promised to follow up, she never did and she stopped talking to me after my last email asking her about my follow up. 

They know it will be hard to sue them because they are out of state. 

Please help. 

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 2020-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/XXXX Synovus added {$7100.00} to the principal balance of my mortgage. On XX/XX/XXXX I called their customer service # to find out what this is for. They could not provide an explanation as to why this happened. I have made all my payments on time and have no idea why they added this amount to my balance. I want this reversed ASAP and any interest credited back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Resurgent Capital Services aka LNVN Funding has placed a collection account on all 3 of my credit reports for {$310.00} on XX/XX/2017 to which I have no knowledge. I have sent them a validation letter via certified USPS mail and have proof they have received it. ( copy attached ) Under the fair debt collection act as long as this item is not verified or in dispute it needs to be removed. If Resurgent/LVNV Funding can not provide the documentation asked to be provided by me this item needs to be permanently removed from my credit files immediately. 

Resurgent Capital Services is formerly known as LVNV Funding had over 445 complaints on their collection tactics and ethics with the XXXX XXXX XXXX 

This business currently has nearly 5273 complaints filed with the Consumer Financial Protection Bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: MS

Complaint narrative:
I filed a complaint with your agency and the company U S Bank assn.  and they said in response that I cancelled the complaint which I did not. I could use some help with this lying company.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with XXXX, XXXX and Experian. Several accounts on each file. This particular complaint is against Experian. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' Experian, XXXX and XXXX..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my Experian, XXXX and XXXX Files. 
XXXX XXXX Act # XXXX Paid /Closed XXXX XXXX XXXX Act #  XXXX Paid/ Closed I would like the following files removed from Transunion and XXXX method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX   XXXX XXXX XXXX pertaining to XXXX/ XXXX XXXX  XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX   XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on XXXX. 
XXXX XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like Experian and XXXX to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.

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 2020-08-20 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: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech is showing multiple lates which is incorrect. I was in a modification plan which I paid on time. I requested a copy of the plan multiple times and they would not send to me. They sold my mortgage at the end of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX is showing multiple lates which is incorrect. I was in a modification plan which I paid on time. I requested a copy of the plan multiple times and they would not send to me. They sold my mortgage at the end of XX/XX/2019.

Company response to consumer: Closed with explanation