vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
As confirmed by the customer service department of XXXX XXXX, XXXX XXXX and Jared the Galleria of Jewelry XXXX Store failed to provide in a timely manner a mechanism to make payments. After not receiving my card or any method of being able to make a payment, the manager at the local XXXX Jared informed me that it typically takes a long time to receive the XXXX XXXX   payment method. My total account was for {$1600.00} Several months later I took a proactive approach by demanding the number from the manager at the Jared the Galleria of Jewelry in XXXX Texas. The XXXX XXXX customer service agent informed me that the steward of the transaction at the local Jared store incorrectly spelled my last name and failed to provide a complete accurate description of my address. Even after I signed that we would use my Drivers License number. Eventually after I was able to clear up my name and address I received a mechanism to make a payment by receiving the credit card and account information in the mail and the ability to activate the card. I made immediately made a large payment of {$1600.00} in XX/XX/2018. This would have left a balance due of {$58.00} due total. 
XXXX XXXX erroneously added accrued interest during the time period that XXXX XXXX failed to deliver my information to be able to make a payment through my Jared XXXX Card. The minimum balance due for the next month was stated to be {$100.00} by mid XX/XX/2018. Since this would have paid off my entire account with a fraudulent interest charge I was unable to make the minimum payment. Once again I was burden with the job of fixing the accounting caused by the negligence of Sterling Jewelers Inc., a subsidiary of XXXX XXXX XXXX. During the interim of attempting to fix the accounting with Jared the Galleria and XXXX XXXX more late fees were added to my account and XXXX XXXX falsely reported to the three major credit bureaus that I had missed payments on my account. 

I believe that this might be a scheme by XXXX XXXX to turn higher profits for their business partner, XXXX XXXX, by intentionally entering in the wrong information so that one does not have a choice but to pay the late fees and accrued interest while they wait for the mail in credit. 
XXXX XXXX and their subsidiary business have a prior issue with in store credit. I believe they are continuing the fraudulent methods but stating that they are a separate entity than XXXX XXXX. 


Thank you for your help and investigation so that we can protect future consumers from further financial violations from XXXX XXXX. 


XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: MN

Complaint narrative:
Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or Transunion are willing to help me get these removed. They both say back and forth call them and ask and vice versa.

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 2019-05-09 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: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX,  XXXX XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.

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 2019-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: NE

Complaint narrative:
On XX/XX/XXXX I noticed a payment on my account in the sum of {$6200.00}. Immediately I reached out to Great Lakes to figure out what this payment was about. I customer service agent I spoke with told me it was a payment made by USDA on my loan and it was an actual payment and was correctly applied to my account. Then on XX/XX/XXXX, almost a year later, I receive a call from Great Lakes informing my that was account was past due by 351 days and I owe them {$1100.00} immediately and another {$1400.00} by XX/XX/XXXX to get my account current. I asked them when this came about they informed me that the payment applied to my account was applied incorrectly, and removed from my account. I asked the account specialist I spoke with and was informed my statements were correct, but if they were correct then the payments should still be on my account but they can't give me an answer beside the fact it was applied wrong account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
they keep calling and never leave a message or identifiy themselfs, i XXXX the phone number and i found out that they are genis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse, i have put in several complaints but they keep calling and hanging up at least once to twice a week

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX XXXX and Fifth Third Bank. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC
State: FL

Complaint narrative:
Phone number XXXX ( XXXX ) XXXX Message left This is XXXX XXXX. I'm calling you today directly with the investigations unit over at MAC. Weve received correspondence from a financial institution and we are prepared to file a civil suit against you. Several attempts have been made to contact you via mail and other collection efforts and you have failed to comply. We do understand that this is a verified number for you and we will file the paperwork if we do not hear from you within 24 hours of receiving this message. To reach me directly you can contact me at XXXX. Ill repeat that, XXXX I do wish you the best of luck

Company response to consumer: Untimely response
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent letters to Lexis Nexis asking for proper verification of two bankruptcies that are on my credit reports. Lexis Nexis is in violation of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) as it has not responded to my letter dated XX/XX/XXXX to date. Lexis Nexis has not been able to provide direct verification from the US Bankruptcy Court in Texas. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. ( see letter attached to this complaint ). In fact the credit bureaus state on their dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute result reports back, Lexis Nexis has not sent me anything in regards to how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information. I am asking that Lexis Nexis remove this unverifiable information in regards to the two bankruptcies it is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
I sent a fax to the compliance dept on XX/XX/2019. I was not informed the fax could not be read. I filed a complaint with he XXXX  of SC, in regards to this matter. The fax was to prove that I am under a medical hardship, and this account should not be in collections, as I previously spoke with the original creditor, yet the account was sold to various companies before going to collections. This is the most likely reason the notation was " lost '' in the shuffle. I have attached the fax sent to XXXX, as well as Resurgent. This is not a frivolous complaint. I have provided new and material evidence supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Financial Service Center of Ohio, LLC
State: OH

Complaint narrative:
I got a payday loan and they talked me into geting more a couple times so i ended up borrowing XXXX and payoff is XXXX XXXXx XXXX ohio 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 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. after the first complaint the collection mark was removed from two of my credit reports, but it still remains on my XXXX report, since they cant proove that i owe this dept it needs to be removed from my XXXX  credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
In trying to establish a repayment plan, I provided the requested information in XX/XX/2019. 

I then provided updated information o in XX/XX/2019. 

I was received notification from the US Dept of Education demanding a payment amount based on my financial information from XX/XX/2019. 

When I contacted Coast Professional in XX/XX/2019, I was told the updated information was rejected. I received no official correspondence of this, nor an explanation of what this decision was based on. 

In attempting to reach an account representative, Ive been repeatedly told no one was available.

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 2019-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
When I reviewed my credit report I was shocked to see that there was a 30 day late payment on the dates below : XX/XX/2019 I have no idea how this happened. I believe that I made my payment to 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 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Portfolio Recovery is attempting to collect a debt I do not owe on account # XXXX. I never received anything for this debt and it is very old and past the statute. I should not have this debt, I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX due to reasons I could not control and for the first time in my life I was not going to be able to make a monthly mortgage payment. As soon as this happened I called Flagstar Bank my mortgage lender and started requesting information or options to avoid all possibilities of defaulting or getting behind on my mortgage. 
I was directed to Flagstars loss mitigation team in which I was told to fill out a seventeen-page Uniform Borrowers Assistance Form. I completed the form as quickly and accurately as I could. The two methods of sending the form in was by mail or fax. I thought the easiest and to save time I would fax it. This is where the worst experience of my life started with this company Flagstar. The first denied form was due to the fax could not be read on their fax machine, and I was asked to send it again. I completed these three more times all with the same result. I then decided I would mail the form. The first form got denied for missing information things in the wrong place. I submitted this package three more times by mail all with the same result denied for missing information or things in the wrong place. After the first denial and thru the next two attempts I must have called Flagstar Loss Mitigation Department hundreds of times where I was hung up on or told to resubmit the package and at no time would they help me thru the process. 
At the time my now ex-wife during this time left our marriage and wanted a separation and eventually a divorce. Our incomes were split, and our debts were different. I tried to explain this over numerous phone calls to the Loss Mitigation Department that I could not properly fill out the form the way the needed could someone help me, and I was told it had to be on that form. 
This constant delay and lack of costumer service from Flagstar. Flagstar filled for a foreclosure on me without contacted the Veterans Benefits Administration ( VA Loan ). Due to the very unprofessional staff of Flagstar and lack of assistance which they say they will always do everything they can to avoid foreclosure I a XXXX Veteran had to short sale the property and take a loss to my benefits. The short sale was closed on XX/XX/XXXX and my credit history and score are being incorrectly reported. I also received a 1099 with a forgiveness of debt that I filled with my XXXX federal taxes when no forgiveness of debt occurred, and Flagstar received the full amount owed.

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 2019-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have received hard inquiries against my credit with both XXXX and XXXX. XXXX  shows three recent inquiries that I am unfamiliar with and need to report this. XXXX Inquiry details are as follows : 1. Capital One Bank USA - date : XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information 2. XXXX XXXX XXXX - date : XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information 3. XXXX XXXX XXXX/XXXX XXXX - XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information XXXX Inquiry details are as follows : 1. Capital One - XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information I did not apply for a credit card, auto loan or any other form of credit and therefore believe this is a form of Identity Theft attempts. Please let me know what I need to do to resolve this issue. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on my credit in error. They made the mistake and it was fixed so it Should be deleted. They're incorrectly reporting on accounts : # 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 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I made a balance transfer XXXX from my PayPal account to my PayPal prepaid XXXX now PayPal says they sent the money and the card people are telling me they never got it and it failed on there and no one 's taking responsibility for this I'm still ouXXXX XXXX and PayPal is been putting me off for 6 days now and I have gotten no resolution from them other than the assumption is that they stole my money they keep putting it too well we're working on it they acknowledged that it was a computer program on there and but have failed to fix the problem as to I don't have my money and they don't care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Us Dept of Vets is reporting on my credit in error. They made the mistake and it was fixed so it Should be deleted. They're incorrectly reporting on accounts : # 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 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: HI

Complaint narrative:
A company by the name of DRS has been texting and calling my mother and my sister on their own personal phones, and have also called my employer and I am not allowed phone calls at my job. The text they send my mother and sister is : Important Private Notice. XXXX XXXX call XXXX or XXXX XXXX XXXX  XXXX XXXX : XXXX & XXXX. When they call and my sister & mother answer and clearly tell them that the number theyre calling is not mine and has NEVER been my number they quickly hang up and call back the next day. The most recent date of contact for my mother and sister was today XX/XX/2019 and the first date of contact was in XX/XX/2019. I called them personally back in XX/XX/2019 and told them to stop calling me at my job as I was not allowed to receive phone calls. They did eventually stop so I believe. But now theyve moved onto contacting and harassing my family members. They said threading things like they were going to send police officers to their house to arrest them for not telling me them my exact where about so they could have me arrested. And my neighbor said she saw what looked like oddly dressed police officers at my door and when I called the local and state police department they have no record of anything and swore to me no officers were ever sent out to my house, not that day not EVER. So now Im extremely concerned for the safety of myself and my family members most of whom live thousands of miles away from me. I dont even know who this company is claiming to be collecting for and they call from a VOIP number so there is no way of betting any information on them. I have 2 recorded phone numbers that they call from, which I was able to reach them on by calling one of them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation