vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. 

Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. 

All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/2019 statement never received. Charged {$27.00} late fee for missed payment. {$7.00} interest. 20+ year payment history of paying account in full on each statement. Not registered for any form of electronic-only invoicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: FL

Complaint narrative:
Re-aging accounts on my credit reports which are obsolete. I have contacted TransUnion and XXXX   in regards to disputing outdated information on my credit report. Well, TransUnion and XXXX is still reporting obsolete creditors and refuses to delete the re-aged accounts which is against the law. TransUnion and XXXX finally deleted some of the obsolete accounts but they left 16 accounts by this one creditor XXXX XXXX. This creditor has to be a collection agency stemming from the original creditors because all the outdated information that was deleted this creditor XXXX XXXX is now showing all the amounts from the deleted creditors. I had never heard of this org. I have requested numerous times for TransUnion and XXXX to request for this creditor to provide the original creditors information such as opening dates, payment history etc, this is of great importance as it will demonstrate that this creditor is re-aging the accounts to keep on my credit which is against the law. I am again asking for TransUnion and XXXX to delete the 16 accounts from XXXX XXXX. A collection account is considered a continuation of the original debt. '' It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with " updated '' activity dates, I will have to file a legal case against them. Its not fair for me to have to continuously go through this when this creditor is reporting false information. Its not fair for me to have to seek legal representation but I will have to because me filing disputes are not getting this issue resolved.

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 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent

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 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a struggling XXXX XXXX XXXXt. got my commission check of {$7300.00} from broker in almost 7 months, I deposited that check, but Bank of America put a hold of 10 days to validate funds, I spoke with them twice to release my funds after checking everything in 2/3 days, as check is coming from an established institution and who deals with higher amount everyday, and it should not take10 days to validate fund in that long amount of time and this digital age. I requested them to check everything in 2/3 days and released my funds as I am struggling with my finances big time, but they have always scripted statement that this is our policy. Their staff is not considerate at all. Now I will be paying late fees and will be running late on some important bill while I know that money is in my account and I can not use due to this unreasonable policy, that is ripping off a customer in the name of policies

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 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I was put into collections by XXXX in error. The collection company contacted me in regards to the {$100.00} debt. I explained that I currently have XXXX as a servicer, and current with my bill for years. How could I possibly be in collections, especially with a current account. I was told by the collection company to contact XXXX directly. This is where my situation turned from bad to worse. I have contacted XXXX on 3 separate occasions, and was transferred to the fraud department. Calls have been dropped, or I'm on hold for long periods of time, and the call is dropped. All I want is an explanation of this collections status placed on my credit about 4 months ago, and how to remove it from my credit report. A {$100.00} debt not mine is not a lot of money, but the fact that it was placed on my credit, which brought down my credit rating is wrong, and unjustified. This is affecting my financial situation. Please help me, with XXXX to remove this incorrect standing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
So I moved my cell phone carrier from XXXX to XXXX in late XXXX of 2018. I called XXXX account representative asking to settle my final bill and any additional costs regarding my phone and contract, according to them at the XXXX XXXX at their corporate office, I owed nothing on my phone, ( paid off ). I made several last payments to them during XXXX.-XXXX. 2018 with a total of approximately {$160.00}. Approximately 2 months later after I had been told that my payments were all done I received a letter from a credit agency telling me I owe XXXX {$190.00} in a final bill. The lady at the credit agency told me today that this bill is for additional costs after I traded in my old phone and switched carriers. This credit agency has also been threatening my credit score. I am a single parent who is looking for a job. I can not and shouldnt have to pay an amount that I have an email verification from XXXX telling me I was free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
A few months ago, I received notification from my credit report that there was a collection item on my credit report that is a result of identity theft. I contacted the collection agency within the time allowed to advise them that the account was due to identity theft. I was told to fax them the identity theft report and they would remove the account. Today I notice that they have not removed the account from my XXXX report. XXXX and XXXX removed the accounts once they received the identity theft reports, but Amsher has failed to even try to remove this item from my report. Amsher was contacted in a timely manner at the time the 30 day collection notice came our, and they still placed this fraudulent item on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On or about XX/XX/2019 I received a letter stating Wells Fargo will close my account ( s ). They are closing my account ( s )  because my business deals in Bitcoin and cryptocurrency.

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 2019-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
From XXXX through XXXX I have had multiple late fees charged to my account. During that time I was informed ( via phone conversation ) I could schedule automatic payments regardless of the due date, and was informed that it would not affect my account. Within the past 6 months I have requested a copy of my phone records and was denied them ; Navient indicating that they do not provide those. I was attempting to find out who I spoke to regarding the automatic payments. Through the life of my loans I have had nothing but misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Upon attempting to use my credit card with Bank of America, my purchase was declined. After contacting them to discuss why, my husband and I were told that their system was closing the account on XX/XX/2019, as they needed to confirm some information on the account. What was needed was never offered. I was initially advised that Bank of America could correct the situation but later was advised by XXXX XXXX, Manager, that the only way they could resolve the issue was to allow the closure of our 21 year old account which would have an adverse affect on our credit scores and to start a new account. This would require a hard inquiry on our credit thereby adversely affecting our scores again. It is absurd that our credit scores suffer as a result of issues within Bank of America. I look forward to hearing further from 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 non-monetary relief
Consumer complaint received 2019-04-15 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: IL

Complaint narrative:
I have contacted this credit bureau several time in regards to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: GA

Complaint narrative:
I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. 

Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. 

All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.

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 2019-04-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. 

Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. 

All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.

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 2019-04-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I cashed a check with them and it was returned to them as unpaid. I told them I do not have the money available to satisfy the whole amount owed. This company has been repeatedly calling me while I am at work and when I asked them to stop I was told if I do not come in by Friday to pay they will call the police and have me arrested and sent to jail for a felony and have to pay them more money than what is currently owed. I did not know the check that was cashed by them was not good and am willing to make them whole but I need more time and not to have my employment jepordised. They have also been calling my friends looking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery reported a XXXX XXXX account to my credit. I disputed they kept reporting. Informed portfolio did not live at the address year debt was opened. They will not validate debt by mail and stated they do not have a signature of who opened the debt. Then accused my parents of opening this debt and committing a crime. They did not live at that address at that time either. Ive disputed this on my credit report too. I informed portfolio I know my rights under fair credit reporting act and again asked them to validate the debt in writing and send a copy of the signature for whomever opened the account. They wont do this and have no signature on file. They continued to say then my parents committed this crime. Again told them they didnt live at the address in that time either. Again they refused to work with me and validate the debt. They said they will just keep reporting it to my credit report as they can do that as much as they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I request the original disclosure of my loan ( XXXX XXXX XXXX  ) from collection agency but they said ; that they can not provide me with that. I just want to make sure the payday loan debt is mine, because I do not recall if I had any payday loan after my bankruptcy on XXXX. 
But Dept Recovery solution insist it is mine without any prove or even written notice. 
they placed a collection on my credit report without any notice letter or prove of who is the original creditor phone number or address or any documents. 
The collection agency must provide me a document to prove validity of debt. 
DEBT RECOVERY SOLUTION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
I spoke with XXXX XXXX XX/XX/19 @ XXXX re : more flexible payments for loan. A {$50.00} good faith fee is required for any delay in payment. This fee is the cost of the monthly loan payment. When the delay in payment has been needed and used, often I borrowed from someone to pay the fee. When this option is used, it can only be done 3 months at a time. This poses a major problem because it puts me in a position of owing other people. Now, I'm laid off from employment as of XX/XX/19 and called again XX/XX/19. The representative told me there are no other options to assist me other than again paying the fee. This means I must borrow the money from another person ( this is not sustainable for me or the individual ). XXXX XXXX wanted me to post date a time to pay in 30 days. Again I don't have money at the moment, I'm awaiting an interview with unemployment and am unsure of how I will pay my mortgage and other household sustaining bills for me and my child. Whether I'll have money to pay XXXX XXXX is unknown at this time. XXXX XXXX stated the only other option is to miss the payment, fall into default and the collections department will contact me. What I need is another recourse of action while I am currently unemployed. What else can be done to keep my credit report from suffering while I have no employment if I'm communicating and being proactive. Why is money to pay for an extension the only option, especially if I have no money or employment a this time. Thank you for help.

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