vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I contacted XXXX XXXX to commence services with them and was told that my monthly bill for two years would be around {$55.00} per month. At the end of the first year, I received word that it would be doubling. When I called to inquire about it, one of the " customer service representatives '' told me not to worry about it, but she would lock in the first year 's amount for the second year. This did not happen. I tried multiple times to work with XXXX XXXX, but to no good end. So, I cancelled my service and I was told that I had to pay them several hundred dollars for the remainder of the contract. I told them I would continue to pay my monthly bill until it was paid in full and throughout the remainder of the contract. They told me they would turn my bill over to a debt collector. Today, I received the attached document in the mail from Credence. I tried to tell the gentleman that I would continue to pay on the bill until it was paid in full. He said, " We don't have that much time. '' I am able to pay them {$44.00} for the next four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: CA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent inquiries were included in my credit report without my consent or authorization.

As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act.

But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting these fraudulent inquiries. For yet another last time, the following inquiries are fraudulent : XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.

I have attached for your review my dispute letter I sent to this company earlier and my FTC report

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I AM BEING CHARGED FOR INSURANCE COVERAGE THAT I DO NOT OWE. MY POLICY WAS A PREPAID POLICY AND I CANCELED MY COVERAGE AT THE END OF THE TERM. YET XXXX IS BILLING ME FOR COVERAGE THAT I DID NOT HAVE NOR AGREED TO EXTEND. THEY HAVE SINCE SOLD THE DEBT TO A COLLECTION COMPANY ( CAINE & WIENER CO. ) THAT IS REPORTING IT AS UNPAID AND IS COMPROMISING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Lender Inc
State: IL

Complaint narrative:
I open an account with XXXX XXXX XXXX of New Jersey back on XX/XX/2018, it was reporting to XXXX for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
Lender use my information on ther data bases systems and display my credit score on ther credit monitoring without my permission or consent or my athourthiziton And when I reguest the information to be released they asking me to supmit suboena And when I flow ther instruction and sending them suboena thy didnt answer to it and refused to gives the reason why and then referred me to credit agency and when I contact the credit Agency they returned me back to XXXX The company holding my information for no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: GA

Complaint narrative:
I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft. 

XXXX XXXX/XXXX XXXX - Opened XX/XX/2018 The following Inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted Barclays AAdvantage Credit Card Service Department to formally dispute a purchase of XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXXXXXX XXXX. The puppies were sick and unable to control urinating and defecating, so I returned the two puppies to the store on that day. 
On XX/XX/XXXX I faxed a detailed letter to Barclays AAdvantage Credit Card Dispute Department outlining the reasons for returning the puppies to the store and that I asked for a full refund for the purchase price of the puppies {$3200.00}. 
OnXX/XX/XXXX Barclays AAdvantage Dispute Department contacted me stating that the charges would be reapplied to my card and that I will receive a letter requesting additional information as to why I am requesting to dispute the charges that would allow me to continue to dispute the charges. I NEVER RECEIVED ANY LETTER FROM BARCLAYS AADVANTAGE DISPUTE DEPARTMENT. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute department informing them that I have not received any letter from them. Barclay AAdvantage Dispute Department stated that the letter could take between 7 to 10 business days and that I should give it more time to arrive. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute Department letting them know that I have still not received the letter from them so that I can properly respond to their questions for disputing the charges. Barclays Advantage Dispute Department said they would resend me the letter via email and to expect it within 2 business days. 
XX/XX/XXXX I had not received am email from Barclays AADvantage Dispute Department so I called them again asking for someone to send me the information. During that call with Barclays AAdvantage Dispute Department the call was some how disconnect and the wait time to reconnect was over an hour. 
XX/XX/XXXX I have still not received any letter from Barclays AAdvantage Dispute Department so I called again and again I was told that they would send me the letter via the mail and that they can not send this information via email. 
The problem is that my credit card bill is due XX/XX/XXXX and I have not been given the letter so that I can respond to the disputed charges.

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received notification from Portfolio about 2 accounts I owed and I tried to explain that I am a victim of identity theft and did not open the accounts ( XXXX and XXXX XXXX ). They refused to listen and reported the accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My wife got XXXX XXXX and I retired early to take care of her. I talked to Bank of America that I was having trouble and a representative advised me to stop making payment on my loan in order to help modify my payment. 

I did as they advised and submitted everything that was requested to only find out that they had denied because they could not verify my income. I expressed that there is no other income that I was getting. 

I have retirement income and social security income which I submitted with my wife 's information as as well. They keep telling me that they think we are hiding extra income. We are not hiding anything. We have requested they provide proof but no response. 

I have been denied over 6 times now because of the same thing. " THEY CAN'T VERIFY INCOME ''. 

My loan was even escalated to FHA so they can assist and no help was given. I am an end here trying to save my house and have my wife recover from XXXX as well. She has had a XXXX XXXX and it just seems it will never end. 

Please help me!

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 2019-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
The bank approved a very obvious fraudulent personal loan for {$35000.00}. They did not verify the address. The address they have on file is a fake address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. BMW Financial Services a.k.a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NV

Complaint narrative:
I recently purchased a new car and all of the credit bureaus sent me a report telling me my credit score. Now there is a company claiming it is called XXXX XXXX with a 250 point disparity between 3 major credit bureaus credit scores. I never authorized for this company to have my information and they seem to be fraudulent and committing slander on the American Consumer. XXXX XXXX is fraud.

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 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: FL

Complaint narrative:
FROST- ARNETT is the collection agency. we have asked them 3 times to send us detail information on 2 accounts they are trying to collected. we asked for complete address of the customers and a detail bill for both medical bills. 
we have also asked if our insurance has made payments on these bills : XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX XXXX XXXX. {$510.00} We made these request by telephone and in writing certified mailing. 
They have made no effort to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had check my credit report and it show that I have a collection due from XXXX XXXX cellphones company since XX/XX/2007. This is a 12 years ago matter. I been contacting XXXX XXXX  company and they said that is nothing they can do because I dont have the supposed account number. I am stock on a circle here. Please help me to resolve this matter. Do not know if I will have to hire a lawyer to take care of this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold an item on XXXX on XX/XX/19, the buyer received the item last week, left positive feedback, and paypal will not release the money because they're concerned the item hasn't been delivered. But it has been delivered. You can see from the records that it was delivered, everyone is happy, but paypal will not give me the money. 

I've called them several times, and live chatted them, and they refused saying the transaction was for a high-risk item .... I sold a drone on XXXX, the buyer received it and is happy with it, what exactly is high-risk here? 

This is a large payment company taking advantage of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
XXXX XXXX refuses to accurately calculate the number of qualifying payments I have made on my student loan toward Public Service Loan Forgiveness. I sent in my last public service Employment Certification Form in XX/XX/XXXX and now it's XX/XX/XXXX and XXXX XXXX still has NOT calculated my qualifying payments accurately. 
As of the XX/XX/XXXX date, I have made 68 qualifying payments. XXXX has reported to me random numbers, all less than 68. In fact, just recently it lowered the number of payments I made without explanation, without documentation, without reason. 
That it takes XXXX XXXX  nearly a year to count up payments accurately is a terribly sad indictment on the competence of this agency and its representatives. It's time for Federal intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I had auto pay with XXXX XXXX XXXX XXXX in XXXX, CA for wifi service only for years. XXXX XXXX got sold to XXXX when my service is established and continues with XXXX without any complication to this date. 

I learned accidentally thru a credit report that I have collection posted to credit bureau last year. I found out from XXXX that Waypoint Resource group posted for XXXX XXXX - XXXX XXXX XXXX in XXXX, California. 

I contacted both Waypoint and XXXX/XXXX  and disputed the charge of {$170.00} and asked explanation how come I was not notified by either XXXX or Waypoint of such action- and do I not have the right to know what is going on on my back plus how come I have two other existing accounts for 2 of my homes with the same company if I am considered delinquent and reported to the credit bureau XXXX they were not able to explain why. 

At the end, the account was posted fully paid with XXXX balance but since Waypoint has not sent any deletion letter, the credit report still shows the collection posted on my credit report with negative impact. 

I repeatedly asked WayPoint Resource to remove /delete with letter of deletion- they declined ; contacted XXXX XXXX as well- both giving me run around for {$170.00} which is mostly their failure to collect old router when they set up new router with new company name plus all my accounts were auto pay. 

Please help remove the stigma that continues to harass me to this date. 

Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
We are not getting our statement in a timely manner and after 17 years we are still paying mostly interest. Out of our last 2 payments only around {$20.00}. went to principal.

When I've called them in the past about this they tell me things like " it's complicated and it all according to what day our payment goes in ''. I also believe they've held back deposit on payments for this reason. 

Once when I mailed the payment 10 days before it was due they charged us a late payment. The payment was received on time but they held it. When we verified this they backed off of the late charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I have presented Goldman Sachs Bank USA with disclosure of concerns pertaining the fraudulent use of my XXXX account. I have notified that I have been a victim of identity theft. Goldman Sachs has noted that I did not authorized the debit of my savings account in any form. 
The account was compromised and debits continue to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make debits to the account. 
I have presented my concerns once again to a XXXX, who did not address the concern of fraud and identity theft appropriately. I have requested that the monies that were debited from the account as a result of fraud be credited to the account. I have been able to regain online access to the account after requesting to have reset my username and password. I have presented the enclosed affidavits. There has been to this date no mitigation of losses. I request that you close the account as your poor practices have remain unable to support victims of identity theft and that you act appropriately conducting an investigation that considers the affidavits that I have been sent after your denial to my RegE claim. 


I request your understanding in resolving the unauthorized use of my information to request services and towards debits that I did not recognize. If you may offer the support that I need to resolve this matter, I would appreciate it greatly.

Company response to consumer: Closed with explanation