vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX XXXX PH : XXXX {$1000.00} and their collection agency Credit Management PH : XXXX {$1100.00} Account : XXXX. This Account was originally closed with the company on XX/XX/XXXX and was paid in full at that time as this phone was not mine and the original owner of the phone had not paid the bill and I shut the services down put a block on my account for them to no longer have access. The bill had been paid in full and suspended. The original start date of the account was XX/XX/XXXX and closed on XX/XX/XXXX. The company continue to charge for services after this date the account was cancelled. They also sent it into a collection agency who has now reported a outstanding amount to all three agencies as well. This is not fair and it is damaging my credit. Please look into this matter and have it corrected please. Your help with this situation would gladly be appreciated. This is not fair to damage my credit like this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank fraudulent transaction Claim # XXXX closed per Update letter XX/XX/19 and removed XX/XX/19 credit of {$3000.00} from account XXXX XX/XX/19 while XXXX took care of a coworkers identical fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I had been enrolled in an interest rate reduction program and had at least a year of eligibility left when all of a sudden I was informed that I was no longer eligible and that my payment was going up about $ 220/month.  When I called on XX/XX/19 to discuss why I was no longer eligible since my financial situation hadnt changed, I was informed that my co-signer ( my mother ) was credible and could help me pay. Now she had been my co-signer this whole time and it had been determined that since she is retired now and on a limited fixed income, that she could not help me. She is already providing child care for me to help me save some money. I dont know why she was all of a sudden considered able to help me. I had also attempted to refinance and no company would approve it since my co-signer is retired and on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
Hi, My name is XXXX XXXX. I have a bill with One Main Financial. I have been receiving harassing phone calls 3 or 4 times a day with the manager XXXX. I have explained to her the we were going through difficult times because we had to overpay the government {$800.00} a month. We had stop making payments at one time. We worked it out, I started back making {$800.00} payments to one main even though we are still struggling. She keeps calling 3 or 4 times a day even after I made the payments. One main is in XXXX, TN. The number is XXXX. I want it to stop or Im taking further action. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I logged onto Transunion to get my free credit report I got but the report but I am noticing recurring charges that I did not sign up for. 
I was charged {$24.00} on XX/XX/2019 and now {$24.00} on XX/XX/2019. 
I tried logging into my account but I am now blocked for some reason and no luck with calling in. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
fraud charge happened 6 weeks ago. still shows pending. now the utilization is showing up on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Credit card company converted my account billing from USPS mail to paperless without my knowledge nor consent. 

My credit card statement was mailed to my USPS mailbox in early XX/XX/XXXX. But, no statement was received in early XX/XX/XXXX, I contacted the CC company to ask about my bill. The customer service rep said that I was enrolled in paperless billing. 

I never signed up for paperless billing. I was never asked if I wanted paperless billing. CC company flipped me to paperless billing. 

This practice puts consumers at financial risk. If they wait for the bill to come, but it doesn't because the CC company flipped them to paperless without their knowledge, they are likely to pay bills late and incur penalties and interest 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 2019-08-07 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: ARS National Services, Inc.
State: CA

Complaint narrative:
ARS National Services Inc. contacted me on XX/XX/2019 at XXXX pst in the attempt to collect a debt. I filed a petition for chapter XXXX bankruptcy on XX/XX/2019 and all of my creditors were notified of this filing. It was also listed on my credit report at of XX/XX/2019. I reached out to ARS National following their attempt to contact me despite the Automatic Stay being in place. I told them via online messenger that I had filed bankruptcy and asked them for their address so I could send them the filed petition. They refused to give me the information and said I had to call them and talk to someone. Later that day, I went to XXXX to view my most recent credit report. I noticed that ARS National Services had run an inquiry using my social security number and DOB that same day. On my credit report, it clearly shows that I had filed a petition for bankruptcy protection on XX/XX/XXXX, however, they still called me and attempted to call me to collect the debt, with the belated disregard to my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I told them to stop calling me today, XX/XX/2019, over the phone. I have been getting frequent calls before XXXX, as well as throughout the day. They don't even check the account statement, they just go through a list of clients, harassing them to pay the minimum ( I paid of a significant portion of this a week prior to the call ). On top of that, they frequently use robodialing ( I get calls from them but nobody responds when I answer, just a silent call. When I call back it's their number )

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 2019-08-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Collection Consultants of California
State: CA

Complaint narrative:
I notified Collection Consultants regarding an unfamiliar account. The representative hung up the phone and my letters have not been answered.

Account information : Collection Consultants XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: MA

Complaint narrative:
On XX/XX/2019 I got a call on my cell phone from the number XXXX XXXX XXXX XXXX. The lady told me she was from Central Portfolio Control and that she wanted to verify some of my personal information over the phone with me regarding a business matter. I told her I do not have any written notice about this issue. She told me she was calling from XXXX, MA and that a notice was sent to me on XX/XX/XXXX. She stated my address of XXXX XXXX XXXX, XXXX, MA XXXX. I did not confirm any information with this person over the phone and stated I did not get anything over the mail. She said to give it a few days and I should get something in the mail. I then hung up. This person did want to verify my personal information over the phone and was very insistent and I refused to do so over the phone. 

Please help me verify this matter with this company and if I can have written proof of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I notified Diversified Adjustment regarding an unfamiliar account. The representative hung up the phone and my letters have not been answered. 


Account information : Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion and XXXX  have accounts on my report that are fraudulent. I have tried numerous times to get them removed, but to no avail. I have attached police reports and an identity theft affidavits to this complaint, hoping that this will work. The XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX accounts are all fraudulent accounts and I would like those blocked please. My next steps will be to retain an attorney to get these fraudulent accounts removedXXXX XXXX has complied and I would like XXXX and TransUnion to comply as well. I have been disputing these items for years and they keep reappearing. I was a victim of the Breech with XXXX  and it has been a lot. Please remove and block asap. There are also multiple inquiries that need to be removed in the affidavit. I need them blocked please and 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 2019-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bliksum, LLC
State: TX

Complaint narrative:
I received a number of emails this morning from LoanMe ( www.loanme.com ) indicating that I had applied, been conditionally approved for, and ultimately funded through a loan agreement and settlement for a {$2500.00} loan with a 139.12 % APR using my name, my email, and a California address that I do not know or recognize. My attempts to get more information from Customer Service indicated that I should send them a police report, but at this time I have no knowledge of why my email was used, if this is a different person with my name, or what checking account number is associated with this loan that was taken out. Customer service told me that neither my name nor email address were associated with the loan number supplied in the emails. This is highly suspicious. I will continue watching my credit monitoring but nothing has been identified at this time. To be clear, I have not taken out any loan and I have credit freezes in effect since XX/XX/XXXX to protect from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: MA

Complaint narrative:
There is a wrong hard inquiry on my Equifax score ... unauthorized hard inquiry ( XXXX XXXX on XX/XX/2019 ) ... result of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Utah System of Higher Education
State: UT

Complaint narrative:
This complaint is about Utah Higher Education Assistance Authority ( UHEAA ) in XXXX XXXX XXXX, Utah ( XXXX ) XXXX. 

For nearly a year I have been requesting my due date be changed so I could avoid late fees. Not once have I received an answer and not once has the date been changed while they continue to collect late fees from me. 

Two-three months ago I spoke with a rep who said my requests had been denied because I have one subsidized and one unsubsidized and neither qualify. Regardless, I'm extremely frustrated that these lame excuse seems to be the reason why I can never do anything with my student loans such as consolidate or modify interest rates. 

Today, I spoke with XXXX who informed me the reason I've been denied is because my account is always delinquent when they review the account for due date change. That's even more absurd because I request the change every time ( once a month ) I make my payment. 

I want this due date changed so UHEAA can stop collecting late fees from me. This is extortion by ignoring my requests, not communicating the real reason for not changing. I want all my late fees returned to me or applied to my balance. This is stealing and I'm furious they are allowed to get away with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/19 and XX/XX/19 I tried to purchase airfare on airline carrier that have bought in the past, three times on XXXX XXXX and once on XXXX. 

No reason, no one called to verify the charges, going online, were not alerts but under charges said merchant id amount and real time score.. 

On XX/XX/XXXX Spoke to XXXX, she refused to provide any info, she said that they blocked the charge for no reason, she was explained that we have in TDBank over quarter million dollars, and TD caused a loss of {$XXXX}, she said to escalate to her management and they will post {$XXXX} worth o bonus points to the account to offset the loss. 

Nothing happened, On XX/XX/19 XXXX Called the Georgia call center and was answered by XXXX , who she was rude, obnoxious and terrorizing, refused to provide any info about herself or her supervisor, she was demeaning and threatening to seize our money ... Refuse to make good, she was asked for her physical address to send a summons for the loss and she refused to provide, at the same time, she was informed that she will be tracked down and maybe called as a witness she transferred the call to XXXX , who she said that I can not bring a suit, she is a director of credit card services, and they are exempt from US law, as they are subsidiary of a XXXX Bank .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Collections Account with Resurgent Capital Services, aka LVNV Funding, aka XXXX XXXX XXXX XXXX. 
Resurgent Capital Services # XXXX aka LVNV FUNDING LLC # XXXX This debt was settled on XX/XX/2019 via XXXX web portal. 
It was explicitly stated that the 1 time - settlement amount is {$410.00}, to settle the account in full, which I paid in full. I have full documentation, screenshots, bank records fully recorded on paper to this effect. 

Resurgent claims I owe another {$410.00} ( in other words, they are ignoring their own settlement, on the web portal, which I have full written proof of ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: VT

Complaint narrative:
My husband and I tried to get preapproved for a mortgage loan, but were denied because of information on our XXXX credit reports. We requested our XXXX  reports. When I got mine, I noticed a lot of errors. 53 hard inquiries that I did not authorize. I also noticed some accounts that were not mine that I had not authorized. I have been the victim of identity theft several times, due to my personal information being compromised in 16 data breaches, in the past. So, I suspect that the same thing is happening, again. 
On XX/XX/2019, I tried to dispute the errors and hard inquiries that I did not authorize online on the XXXX  web site. The web site would not allow me to dispute anything and instead listed a number for me to call. I called the XXXX   phone number provided and explained to the customer service rep that I am the victim of identity theft and that I needed to dispute the hard inquiries and accounts that I did not authorize. The rep refused to help me saying I had to contact the companies directly. I already have. The companies told me to call XXXX and dispute with them. I tried again to dispute the inquiries with XXXX on XX/XX/2019 and, again, the XXXX rep would not allow me to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TX

Complaint narrative:
Disputed more than once : Experian : XXXX XXXX : XX/XX/XXXX, {$230.00} I spoke with and sent emails and received an email from the company stating they had deleted this account and amount off of my account because this account belongs to a relative with a similar name. At the time of this bill, I lived in another location. 

Experian : XXXX XXXX  : XX/XX/XXXX, {$170.00} This location was sold in XXXX and all transactions were paid off by a new owner. 

Experian : XXXX XXXX XXXX : XX/XX/XXXX, We received a deposit from this utility not owing them anything. I never received a bill showing that I owe them anything. 

Experian has several inaccuracies with an excuse that it's updated every 24 hours. That's untrue. They have very old, outdated information and won't update the most recent positive information. They thrive off negative data for certain people like myself : Adding my bank to my husband 's bank Adding my credit card as his credit cards Inaccurate balances and paid off balances as unpaid They are ridiculous and should be shut down immediately.

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 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service
State: NJ

Complaint narrative:
Paul Michael Marketing acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX is charging me for something that I do not know and never visit them. 
I did not went to XXXX  XXXX. I told them that they charged to the wrong person. I live in XXXX NJ. They have to charge {$250.00} to the correct person not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
I transfer XXXX USD to my account on XXXX but I put the wrong account number. Since they didn't deposited the amount yet I want to change the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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 — Was not notified of investigation status or results
Company: TIDEWATER FINANCE COMPANY, INC.
State: TN

Complaint narrative:
I submitted a request for the bureaus to check into the validity of an account reporting on my credit report. Today is XX/XX/XXXX Ive sent out this dispute XX/XX/XXXX received word from bureaus that they would check into other disputes but they skipped over this particular dispute. Its been almost a month and a half and I still havent heard a word from either the bureaus updating me on status of whether the creditor verified the debt or changed the status of this reporting account. This is ridiculous seems to often creditors and bureaus look over disputes but are so quick to penalize you for something done wrong. There in violation here and I would like for people to learn from this. Dont let these companies push over you and throw your concerns to the waste side.

Company response to consumer: Closed with explanation