vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX XX/XX/XXXX Radius Global Solutions XXXX XXXX XXXX XXXX, MN XXXX I got a call today from XXXX with your company. She broke federal and state laws in her attempt to collect a debt that I dispute but that you argue is valid. How can you decide it is valid when your company has not even heard my objections to the debt? This is an unfair practice and I am forced to report your company to the proper authorities. XXXX also tried to verify my identity BEFORE she mentioned what company she worked with, which is another violation of federal and state laws. 
I attended XXXX University Online with the help of federal student aid monies. I withdrew in XXXX of XXXX and my last day of class was XX/XX/XXXX. XXXX provided me with a letter dated XX/XX/XXXX, which concerned my federal student loans and repayment options. Nowhere in the letter dated XX/XX/XXXX is mentioned a spurious {$800.00} that you are fraudulently trying to collect from me. The school, XXXX, also sent me a letter dated XX/XX/XXXX regarding my student loans. This letter also does not mention any {$800.00} owed to the school. 
While I was attending, there was intense pressure from the school to get me to sign a private loan agreement, which I steadfastly refused to do because the repayment terms were not affordable for me and my situation. I never signed anything stating I would owe the school {$800.00}. 
The school knew very well I was dependent on financial aid to attend, and they in fact returned a student loan to the feds when I withdrew. If this {$800.00} was truly a valid debt, then surely they could have retained that amount for themselves when they refunded my loan. Instead, they refunded a certain amount and they are now trying to fraudulently collect {$800.00} from me, which I never ever agreed to pay. Your company is under contract with them, and your company is also engaged in deceptive and unfair debt collection practices. I will alert the appropriate federal and state agencies about this matter, I assure you. 
I look forward to your response. 
Sincerely, my name cc : atty cc : consumerfinance.gov cc : State of Texas Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I went online to pay my monthly mortgage payment which is just principle and interest ( no escrow/impound account ). I was in shock to find the minimum payment amount was $ 4,000.00+. I called customer service and they told me I had an escrow advance for taxes. I told him that I don't have an escrow account. I told him I need to see some sort of statement and receipt but for now I'd like to pay my monthly payment. He processed it over the phone. Then XX/XX/XXXX I went online and was concerned when I saw an escrow advance every month starting in XX/XX/XXXX. In different amounts some the same amounts but they totaled to $ 50,000.00+.  At the same time I also noticed that my XX/XX/XXXX payment was not processed as my monthly principle and interest payment. Instead it was called a principle curtailment. I immediately called and told them that the payment transaction was wrong and I was told it was corrected. That following Monday XX/XX/XXXX I went online and it wasn't corrected but reversed in its entirety. They are a bunch cons trying to force me into foreclosure.

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 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AIH Receivables Management Inc.
State: KS

Complaint narrative:
XX/XX/2019, AIH Receivables, XXXX, they contacted my employer without permission. I asked them not to contact employer, as they do not have permission. They have continued to contact my employer and harass not just me but my co-workers and ultimately my boss. I have been told that this matter needs to not come to my office or they will have to let me go. So not only are they harassing me at work but they are jeopardizing my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I have an issue with CASH APP I had a phone that was washed and I no longer have access to that phone number at the time at least {$25.00} was on my account in which I had not yet accepted, about a month later someone advised they sent me {$100.00} and I attempted to merge the accounts on XX/XX/XXXX I received an email from CASH app with instructions on how they would be able to merge my accounts when I provided detailed information, I did all of what was requested and have attempted at least 6 times to contact them again and no response ; I do not have access to my old information. 

The original Cash Tag was XXXX XXXXXXXX under phone number XXXX email XXXX card ending XXXX XXXX XX/XX/XXXX XXXX the new CAsh Tag XXXX XXXX & XXXX   XXXX because I have tried again under phone number XXXX all other information is the same. I sent several emails advising this and the senders aren't able to retrack their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper fails to keep and provide accurate records. My XXXX statement ( attached ) shows payments for the month ( XXXX ) of {$55000.00} and interest of {$12000.00}. Payments were actually {$1500.00} and the interest is actually close to {$300.00}. On the statement there are 80 incomprehensible transactions for 2 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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:
Transunion and XXXX did not do a thorough investigation on a bankruptcy being reported on my report. They refuse to investigate a previous dispute again stating they already verified the information with the courts. I sent them a letter from the bankruptcy court twice and the letter stated that they do not verify information with credit reporting agencies or 3rd parties as you will see with the attached documents. That was the first lie they told me. Then, they stated they verified it through XXXX. So, I called XXXX and they stated they have no record of a bankruptcy on my report. XXXX also sent me a copy of my report and it had no indication of a bankruptcy on my report. ( please see the attached document ) I also sent them a copy of a section of the report which showed no bankruptcy. Please help me fix this make them remove this information. I will attach what I sent them. Thank 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 2019-10-25 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: AZ

Complaint narrative:
I have credit monitoring serives with XXXX XXXX, and received notifications of hard inquiries from the following financial institutions. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX I have not signed any documents authorizing these organization to view my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: United Group Inc.
State: NV

Complaint narrative:
This loan is listed as an auto loan. This is not an auto loan and was never related to a vehicle purchase. It only is it reported incorrectly on my credit report, it is over triple the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
the problem was XXXX XXXX XXXX sold my account to Carrington mortgage services.llc the deal that went down is what I can't understand, after Carrington services.llc brought the mortgage -they analyze my mortgage and found that some how I owe XXXX, coming from XXXX XXXX XXXX not paying for my ins . on my house, and I call XXXX XXXX XXXXXXXX and they said they made the last payment before they sold my account.so if XXXX XXXXXXXX XXXX did what they say did, who fault is that.they brought my account without analyzing the account they own that misstep.be mind as all this went down I was in bankruptcy. 


my transfer date was XXXX I want to know is their any for remedy for this misstep.i mean can Carrington make pay for they folly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: WA

Complaint narrative:
On XXXX I had to re-dispute wrong information with Experian, that was placed on my credit report regarding a car loan I had, through a company by the name of XXXX XXXX   XXXX sending them a letter from XXXX   XXXX, showing proof that it was paid off. XXXX XXXX reported that I was 30 days late on my car payment, which was incorrect. I traded the vehicle in before I reached the 30 day mark, yet they never updated it in their system. I first contacted Experian, XXXX, XXXX, and the lender XXXX on XXXX, upon seeing they reported incorrect information on all three of my credit files, which also drastically dropped my credit scores. Upon a completed investigation, XXXX and XXXX concluded my complaint was true/valid, and updated both credit filesremoving the 30 day late report from XXXX XXXX, to on-time payments. While Experian concluded that the lender said the 30 day late remark was accurate, leaving the derogatory/false reporting on my report. While checking the status of my dispute on my Experian credit file, I noticed that not only the remark I had disputed was still on my report, but a second late remark was added to my Experian report from XXXX XXXX on XXXX. Although on all three credit reports, it now shows that my old car loan with XXXX XXXX is paid off and closed, also shows the finance company ( XXXX XXXX XXXX ), for my new vehicle has been added. So I have no understanding why Experian or XXXX XXXX is still reporting late payments on my old car loan. I even called to speak with both companies and was rudely brushed off by Experian and told they couldnt do anything because XXXX XXXX reported the late payments as being accurate, yet XXXX XXXX insisted everything is updated in their system, even sent me a letter. Being that the other two credit bureaus found the 30 day late report to be inaccurate, not allowing another late payment to be placed on my credit report, it seems Experian isnt following proper protocol, adding false information to my credit 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 non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
In XX/XX/2019, I went into a XXXX by Victorias Secret, and went to purchase undergarments. My purchase cost {$35.00}. When I went to the register, the young woman told me if I signed up for a XXXX Credit Card, I would receive {$25.00} off my purchase and only have to pay the remaining {$10.00}. I asked if there were any fees or any tricks and she said no. So I signed up, my total came to {$10.00}. I handed the woman a {$10.00} bill, took my purchase and left. I didnt authorize any charges, or anything of the sort. I simply signed up for a card and paid in cash. A few weeks later, I still hadnt receive the card, so I called to cancel it. They told me I had a {$10.00} past due balance on my card and if it wasnt paid by XX/XX/XXXX, it would be reported to the credit bureaus. I went to the store, spoke to customer service and filed a dispute. I had already paid the {$10.00} in the store for the merchandise with cash. And even if I hadnt, they never got my permission to authorize the card for any amount. I never said anything, they never verbalized it or showed me anywhere. So not only did they charge me twice, but they never got my permission to do so. Its a scam. I called the credit company again today, and my balance is now {$22.00}. They are not allowed to charge peoples credit cards twice, and without authorization. They would not remedy the situation, so I paid the balance so it wouldnt affect my credit. I will never use this company again because they can not be trusted and getting people to sign up is just a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I called TSI in regards to an account that is closed with a XXXX   balance, and attempted to ask for them to delete it and provide me with a deletion letter. I am under contract on a property which is impacting the mortgage I chose for 30 years. Please help. They do not provide deletion letters and I let them know I will be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: IL

Complaint narrative:
On XX/XX/XXXX after completing the interview process with XXXX XXXX, I was notified that they would be conducting a background check. XXXX XXXX  called to inquire about two accounts i was not aware of that were charge offs. I contacted XXXX where they assisted me in contacting XXXX XXXX and XXXX XXXX to report the fraudulent accounts. The following day i also filed a police report. XX/XX/XXXX I filed a report with the FTC, and I was also able to send a copy of the FTC report and a copy of my statement to both XXXX XXXX and XXXX XXXX. XXXX XXXX and XXXX both conducted their own investigation and concluded that the accounts were indeed fraudulent by XX/XX/XXXX, XXXX was able to have the reporting agencies remove the account from my credit file, however the XXXX card still appears on my credit reports. I want the XXXX card account to be removed from my credit file as it is fraudulent. I also want all incorrect information to be removed. 
XXXX card accountXXXX Total fraudulent amount : {$970.00} Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have credit monitoring serives with XXXX XXXX, and received notifications of hard inquiries from the following financial institutions. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX JPMCB Auto Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX I have not signed any documents authorizing these organization to view my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
I have credit monitoring serives with XXXX XXXX, and received notifications of hard inquiries from the following financial institutions. 

Huntington National Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX I have not signed any documents authorizing these organization to view my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 
This complaint was mistakenly marked as a duplicate. I have a few repossessions listed on my credit report with the same company ... AMERICAN HONDA, which is why I uploaded copies of the VEHICLE IDENTIFICATION NUMBERS ( VIN # S ) with each complaint, to distinguish one from another.The purposeof this complaint is also different from the previous complaint. My credit reports did not show a balance owed for this vehicle previously, however my recent reports show that now there is a balance of {$2600.00} owed. There should be no balance owed as this vehicle was traded in for a different vehicle.AMERICAN HONDA in my opinion is indulging in unfair and deceptive business tactics ( practice ). They have not produced documents showing where this balance is owed or how they came to this calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: CA

Complaint narrative:
In reviewing my credit files, it appears there is a collection from XXXX services which i have not acknowledge of. I believe the information is false due to the fact i have never associate with XXXX, my phone bill and internet are with XXXX  services.

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 2019-10-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed several accounts that were being reported on my credit report with Experian. Ive sent three letters requesting Experian to provide me with verifiable proof, such as the original consumer contract with my signature on that proves I owe the debt to these companies that are reporting on me. Experian has failed to supply these documents and continue to allow these companies to fraudulently report against my character, which is defamation. I have asked for the exact method and procedures that were conducted in the dispute investigation, but again, Experian has not provided me any of these lawful requests. I have asked for Experian to provide me the names of the end-users that have worked my file [ FCRA 609 ( a ) ( 3 ) ]. There are several inaccuracies that have been applied to the credit reporting that Experian has not addressed in my disputes. Experian is assisting and aiding in violating my consumer rights but not upholding their responsibilities as a credit reporting agency. According to FCRA 611 ( a ) ( 1 ) ( A ), the consumer reporting agency is supposed to conduct a reasonable reinvestigation upon the dispute request by the consumer, to determine whether the record is indeed inaccurate, otherwise it has to be deleted ; not just closed. This is considered unfair and unjust acts against consumers. In the case ( No. 95-CV-1743 ), Cushman vs Transunion Corp., 115 F.3D 220 ( 3rs Cir. 1997 ), the United States Court of Appeals agrees that the FCRA requires credit reporting agencies to go beyond its original sources of credit information when reinvestigating inaccuracies in disputes. The credit reporting agency must bear some responsibility for evaluating the accuracy of the information obtained. ( Stevenson vs TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ).

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 2019-10-25 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief