vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Utah Billing & Recovery Services
State: NV

Complaint narrative:
OnXX/XX/XXXX I received a letter from Utah Billing & Recovery Services on behalf of XXXX XXXX XXXX ( XXXX ) that a claim had been placed with their office against me for {$420.00}. 
In XX/XX/ I had ordered a tshirt from XXXX through their XXXX page for {$39.00}. I was not allowed to select a size. I contacted the seller via email and stated that I had placed an order and that I needed an XXXX and could they please contact me to verify they received my information. Several days went by with no response. I then tried calling the seller and the call would never go through as if the number was disconnected. Thinking I had been the victim of a scam I contacted XXXX since the transaction was through them. I explained the situation and they opened a case. That same day I received an email from the seller berating me for contacting XXXX. The seller threatened to have me charged with bank fraud and have my credit ruined. I responded that I wanted the merchandise and that I just needed to let him know the correct size. I did not hear back from the seller. About a week later I received a shirt in the mail. It was a XXXX not the XXXX I had asked for. The invoice stated " no size specified ''. At this point I was done with the issue and gave the tshirt away. Shortly after receiving the tshirt I was contacted by XXXX. They asked if II had received the item. I explained I had and though it was the wrong size I was done with the matter. On XX/XX/, according to my bank records, the {$39.00} was released to XXXX. XXXX closed the case on XX/XX/XXXX 
On XX/XX/ I received the letter from the above mentioned collection agency. 
I am reporting the collection agency for not verifying any information before taking a case against me. They have a responsibility to not take fraudulent cases from unscrupulous businesses. A quick internet search revealed that this is a common practice for XXXX. The collection agency could easily find this information as well.

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 2018-03-19 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: BARCLAYS BANK DELAWARE
State: WY

Complaint narrative:
I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on Sunday XX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on. 
the company is as follows : Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company. 

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible

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 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
My husband and I applied for a mortgage in XX/XX/2017 through PrimeLending for an investment property we were wanting to purchase. D We were given XXXX XXXX 's information to use him as a lender and got the pre-approval letter on XX/XX/2017. Upon applying for the mortgage, XXXX was informed that I had purchased a new car in XXXX and it had not yet hit our credit report. He stated that it would not be a problem and to go ahead and proceed. We signed a contract with the seller and ordered appraisals and inspections. After appraisals and inspections came back clear my realtor asked if we would like to close 2 weeks early. Everything had gone smooth so far so we figured it would be a green light to close. XXXX informed us that he needed to see our down payment for the house in our bank account. We were withdrawing from a 401k in order to partly fund our down payment. ( $ XXXX ) and we sold a vehicle ( $ XXXX ) to fund the other half. My husband cashed out his 401k and we sold the car to have the est. $ 40k in  the bank account. At this point XXXX passed us off to his assistant to finish the closing. This drug on for an additional 3 weeks. An old collection account was on our credit report and I had disputed it years ago. I was told the account would have to be paid and the dispute removed. I spent 4 days working on that to get it taken care of. On the date we were originally supposed to close PrimeLending was still asking for documents from our 401k 's. We had to push closing off another week. I asked his assistant numerous times if this was a go. I did not want to cash out our 401k if this loan wasn't going to go through. I was assured by her, XXXX XXXX himself and our realtor that everything was fine. The week we were finally set to close, I get a phone call from my realtor informing me that our file had gotten passed off to another lender to try and approve but that she couldn't get it done either. Upon further talking to my realtor, she informed me that XXXX XXXX didn't run the initial pre-approval as an investment property, but as a primary residence. They both informed me that had they run the pre-approval as an investment property to begin with, the dispute would have a flagged and we wouldn't have been pre-approved at all due to our debt to income ratio. We have acquired fees for the inspection and appraisal, we are out the earnest money and our option money along with several thousand dollars in extra taxes for withdrawing our 401k 's out. I feel like we followed every step required of us and had this been done correctly to begin with, we wouldn't be out this money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Ditech Financial has been trying to collect on a 2nd mortgage in the amount of {$100000.00} from me since my ex-husband filed bankruptcy. It began on XX/XX/XXXX with a letter informing me they were attempting to collect a debt. Since then it has escalated to multiple phone calls per day, as well as threats they could sue, seize bank accounts or put liens on my property. 

The 2nd mortgage went into default in XX/XX/XXXX. It appeared on my credit report in XX/XX/XXXX, and was removed from my credit report in XX/XX/XXXX, because of the statute of limitations. 
In Colorado, the Statute of Limitations to collect a mortgage debt is 6 years. 

On XX/XX/XXXX, I spoke with a Supervisor named XXXX, extension XXXX. He stated they have a right to collect this debt until the year XX/XX/XXXX. The phone calls continue, with the threat that if I don't pay something to them, they could escalate seize bank accounts or property. 

They also said I signed paperwork that said they could collect this debt up to the year XX/XX/XXXX, which I never did. I asked for the specific paperwork, and they said they couldn't mail it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: Horizon Debt Group, LLC
State: NY

Complaint narrative:
Loan holder : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX Complaint against : XXXX XXXX XXXX XXXX In XX/XX/XXXX I entered into a student loan consolidation contract with them. On XX/XX/XXXX {$130.00} was paid and on XX/XX/XXXX {$130.00} was paid. The third payment was kicked back for insufficient funds. I attempted to contact XXXX XXXX XXXX XXXX to arrange for correction of this issue and never was contacted back. The number I was given to call them had a blank answering machine. With no return of my calls. E-mail 's were kicked back as not a valid address. I was never contacted back by them in any way. 

This month, I discovered, XXXX XXXX XXXX XXXX had no contact with the company holding my loan and no funds went to the balance. I have still not been able to get anyone from XXXX XXXX XXXX to contact me back. I was apprehensive to go forward with any other consolidation of my loan because I was unsure if I would be breaking my contract with them. 

XXXX XXXX XXXX was the company I was paying XXXX XXXX lXXXX XXXX through. I was able to contact them. XXXX XXXX XXXX no longer deals with XXXX XXXX XXXX and was unable to provide me a date when this severance of service occurred. I was provided with the same contact number I had left messages on several times # XXXX and an e-mail of XXXX. Previously I was contacting e-mail XXXX, which is no longer active. There e-mails also had XXXX Consolidation Department, XXXX. XXXX XXXX, XXXX, PA XXXX XXXX as an address. 
No one has answered me back from either of these contact points. 

The loss of the {$260.00} was nothing compared to finding out I couldnt purchase a home because my student loan was in default. This should never happen to anyone! 

I have the form that I signed concerning the loan and it looks very genuine. Please contact me if any further information is needed as I am very concerned with uploading documents with personal information.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-19 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: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
THIS ACCOUNT E MONEY USA APPEARS ON MY CREDIT REPORTING. I NEED THIS DELETED ON BOTH XXXX  AND XXXX. I NEVER HAD AN ACCOUNT WITH THEM. LOOKS LIKE IT IS OPENNED SINCE 2015 AND STILL SHOWING. I ASKED THEM TO VALIDATE THE DEBT THAT DOES NOT BELONG TO ME. IF NOT TO DELETE IT FROM BOTH REPORTS. I DO NOT KNOW WHAT TO DO ANYMORE. IT HAS BEEN IN DISPUTE FOR A LONG TIME. PLEASE HELP ME, YOU HAVE HELP ME TWO TIMES BEFORE AND I THANK YOU. COMPANYT IS EMONEY USA ADD-XXXX XXXX XXXX XXXX # XXXX, XXXX, KS XXXX TEL # XXXX. 
I HOPE THIS CAN BE DELETED AND ALL DONE. HELP ME ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCC Business Services, Inc.
State: MA

Complaint narrative:
NCC Business Services continues to report and is actively trying to collect on a rental contract agreement that was not assumed in my discharged bankruptcy fromXX/XX/XXXX. The rental contract is void as any contracts and leases I had at time of filing were not assumed and were discharged. Any amounts owed in rental lease I singed I am not responsible for. This company has reported these amounts owed from the contract on my credit report. They were contacted XX/XX/XXXX with documentation not remove from my credit report. They have not been respondant after the pass of a 30 day investigation. They are causing harm to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: NJ

Complaint narrative:
This is my XXXX XXXX complaint with Equifax to verify XXXX Account XXXX. 
On XX/XX/XXXX Equifax sends by mail my report # XXXX. 
Equifax states XXXX account is accurate. 
Date Reported : XX/XX/XXXX, Balance : XXXX, Amount Past Due : XXXX / Date of Last Payment : XX/XX/XXXX. / Date of Last Delinquency XX/XX/XXXX / Date Closed : XX/XX/XXXX For the record, I have never made any such payment on XX/XX/XXXX I am requesting Equifax and XXXX to provide PROOF of such payment I have supposedly made to XXXX. I want to see a cashed check or any such payment supposedly I have made. 
Facts, I have XXXX XX/XX/XXXX Bank Statement in which I can send Notarized by XXXX XXXX  that shows I made no such Payment to XXXX on XX/XX/XXXX. 
Facts, Equifax is NOT accuarely verifying any information with Creditor XXXX. 
Facts, Equifax is breaking the Law. 
Facts, The XXXX Account reported is inaccurate and has hurt me Financially and unable to buy a house. 
XXXX account Paid On Time XX/XX/XXXX and Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT

Complaint narrative:
Account showing up on my credit report and I have no kn0wledge of account or any business dealings with this company. 

They say loan taken out XX/XX/2017 for {$5000.00} and was to be paid from XXXX XXXX checking account XXXX routing number XXXX. Nether exist.

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 2018-03-19 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: TX

Complaint narrative:
XX/XX/2018 Credit Inquiry from XXXX XXXX XXXX I applied for credit and my credit report was locked and I was still charge an inquiry for a report they didn't receive. This incident also happen with other companies as well and now I have proof they never receive a report but claiming that they gave it to them.

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 2018-03-19 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
This will be the 4th complaint i want to CFPB to take action i have a police report as the past 3 reports i have submited i have a police report actually i have 3 of them Ideal collections wants a fraud affidavid form as the police stated this form does not exist they keep asking for my ID this means whoever used my identity in fraud did not have it or pic is not me, they state signature is mine i state it is not as someone as well in 2012 also files a false tax return in my name using this addy same place they say i owe the debit, this will be the final chance to delete this as they again are asking for things that do not exist there is no fraud affidaivd per the police and their report i have IRS notice of identy theft if they fail to delete this from my report i will take legal action as Ideal damaged my credit and yes this is extorition as once again police report attached if they feel this reort is fake please contact XXXX PD as i am a well know public figure and prove residance in same place past 19 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!

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 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: WI

Complaint narrative:
{$360.00} americollect. 
ive disputed wit them several times and its still on my credit report. 
they cant validate it was me. 
this is not my 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 2018-03-19 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: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services Inc. agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: IL

Complaint narrative:
I have a an account on my credit in the total of {$3800.00} of which states it is a joint account. Which is false. Through contact with the company whom filed this collection, I received an email of the notes they've taken. In the notes I left the apartment XX/XX/XXXX To move out of state. In the notes in states that both parties agreed that I was removing myself off the lease. Which the apartment was then left in the hands of the other tenant since I had moved out of state 2 weeks later. Which I was staying with a friend during that time. XX/XX/XXXX the current tenant had a 48 hour  eviction notice. All of the responsibility was left over to the other tenant ( s ) after I removed myself off the lease. I have the notes in an email sent by the company, I have proof I was living with a friend, and I have proof I moved out of state. This charge is false and should solely be in the other persons name.

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 2018-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NE

Complaint narrative:
This is my second complaint. Sallie Mae is ridiculous. 

I spoke to a rep named XXXX who could not reach my account manager. I have never actually spoken to the account manager supposedly dealing with my account. Never, and the last 4 reps tried to contact her. 

XXXX after listening to my questions said that yes I was given incorrect information multiples times regarding my loan and apologized on behalf of his coworkers. 

I was transferred to another rep, I could not catch his name, but we spoke for an hour. 

He offered me a TRMP plan where for 2 years I have a 2 % interest rate and payments are automatically debited from my account. I hated releasing my banking info because knowing them they will pull when they want and act like they haven't, but after 7 months of fighting this is all they offer. My cosigner is long gone, so it is just me and I have no options. 

The rep stated that I MUST pay {$240.00} on the same day, the XXXX, to keep a delinquency report from happening. So I did, leaving me with less than {$40.00} for the next week and a half. I have been eating 1 meal every 3 days because of this. 

Amazingly enough I was notified that my credit was hit by Sallie Mae for missing my payment, 3 days after it went through. 

They are unbelievable liars and scammers. They do not care about the wellbeing of their borrowers and say whatever they can to get you off the phone fastest. 

It has been well over 15 days and they still have not replied to my first complaint.

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