vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lend You Cash, Inc
State: MO

Complaint narrative:
I repeatedly asked this company to NOT contact my work, and they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC
State: FL

Complaint narrative:
What is this complaint about? 
This complaint is regarding Capital Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX refusing to validate a debt associated with my name. 

What type of problem are you having? 
Capital Collection Services has refused 2 requests to validate a debt associated with my name. 

I suspect this is associated with a balance of {$170.00} the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Florida states I owe them. I personally went into their office in XX/XX/2019 to personally discuss and challenge this with the XXXX XXXX, the principal owner. She and her billing associate stated they would investigate these charges with my insurance company, seeing as I had already paid over {$2000.00} if fees for services along with the {$300.00} paid by my insurance company. XXXX XXXX said they would follow up with me. I received NO communication from them since. The only communication I have received is from Capital Collection services who is totally ignoring my request to validate this debt. 

I challenged this debt with Capital Services along with XXXX XXXX XXXX and they have yet been able provide support documentation to validate this debt. 

I still formally challenge this debt and request validation. I do not owe this debt. 

What happened? 
Instead of honoring my request to validate the debt in question, they reported a negative tradelines against me to the credit bureaus. 

What company is this complaint about? 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX Credit Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Who are the people involved? 
My self Credit Collection Services XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried to resolve this matter with the creditors but i have not had any luck. The following accounts are not mines : XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00}

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 2020-02-25 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.

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 2020-02-25 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.

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 2020-02-25 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: CO

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$640.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance ride. The ambulance company failed to bill the insurance company properly and consequently I was charged in error. The account went collections and the money that was due was paid directly to the attorney and the attorney was responsible for getting payment to the ambulance company. This false reporting of a collection, that was not my responsibility, is seriously harming my credit score and needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I am the victim of identity theft. The thief opened 3 auto loans in my name. I contacted all 3 banks and informed them of the fraudulent charges. 2 out of the 3 banks resolved my issue within 3 months. This last bank I have been contacting for over 2 years. I call the companies customer service phone number, and I am told to fax my documentation to them. I have, multiple times. Each time I call, I get a different representative who claims they don't have my information. I finally reached out to the management team, and XXXX XXXX told me to contact XXXX XXXX. I did on XX/XX/2019 and submitted my documentation to him, and was told their legal team will review my documentation.I have not heard anything back, and each time I have reached out to XXXX to get an update about my case, I am told " The legal team is still working your case ''. We are approaching 8 months without any information on what is going on with my case. XXXX XXXX XXXX ( XXXX XXXX XXXX ) resolved my fraud case within 2 weeks. XXXX XXXX XXXX XXXX did it within 3 months ( After filing a complaint against them ). I feel I have been patient with Westlake Financial Services, and have gotten no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have reached out to Ally Financial regarding my car loan. I called on XX/XX/XXXX and requested a re-write to lower my monthly payments to $ XXXX- {$300.00}, due to unexpected expenses. I have spoke to a representative and was given a case # XXXX for the re-write. I was advised to allow 1-2 business days for a call back for this rewrite. I have spoke to representatives in rewrite by the name of XXXX  and she advised me that I only made 6 payments since I had my car loan. I have had my contract car loan with Ally Financial since XX/XX/XXXX. I have made way over 6 payments on my car loan and was also given extension due to natural disasters. I have also spoken to XXXX ( customer relations ) that was handling this issue also stated I did not make consecutive payments in which is not a fact. I need this issue to looked as far as my payments and to have a re-write done on my account.

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 2020-02-25 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$640.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance ride. The ambulance company failed to bill the insurance company properly and consequently I was charged in error. The account went collections and the money that was due was paid directly to the attorney and the attorney was responsible for getting payment to the ambulance company. This false reporting of a collection, that was not my responsibility, is seriously harming my credit score and needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have tried to resolve this matter with the creditors but i have not had any luck. The following accounts are not mines : XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00}

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 2020-02-25 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: TN

Complaint narrative:
I have tried to resolve this matter with the creditors but i have not had any luck. The following accounts are not mines : XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
My husband ( XXXX XXXX ) and I changed our home owner 's insurance to another company in XX/XX/2019 saving {$1200.00} dollars per year in the premium. However, Rushmore refuses to lower our payment. Furthermore, they have arbitrarily said we have an escrow shortage of more than {$3000.00} and increased our mortgage payment when we did not fall behind in payments at all the previous year nor did we see an increase in property taxes. Again we saved money on insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I requested a balance transfer onto my new card, when I opened the account on XX/XX/XXXX. To this date of XX/XX/XXXX, navy Federal has failed to pay off my other card, but has charged my new platinum visa card, on XX/XX/XXXX, in the amount of XXXX. The inquiries I make vary wildly and all information I'm given is conflicting and inconsistent. They charged me for the balance transfer, but never paid off my XXXX XXXX XXXX balance. I spoke with my Branch Manager who also failed to fix the the issue. They have charged me for the balance transfer and never paid off XXXX nor give me clear information about what is happening or when it will be paid off. I asked them to follow up and they refused via the call center supervisor today on XX/XX/2020. They always have excuses. They wanted to do a stop payment today, and reissue the check, aka start from square one, again. I need it to be paid and they have failed to do this. They kept insisting to cancel the check and reissue it, and I refused because I knew that at some point XXXX  would try to deposit it, and I would incur a fee. I also knew that Navy Federal would not reimburse me for the fee either.

Update : I attempted to open a previous case with the CFPB, and Navy Federal ignored it. They ran down the time they had and fraudulently closed this case a a " duplicate '' with the CFPB. It isn't a duplicate case and I don't think Navy Federal even looked at it. I was never helped by Navy Federal.  They do not appear to have any management or escalation department. My card eventually was paid with XXXX. The problem at this point is that Navy Federal took so long to pay off my XXXX card after they charged me for it, that XXXX charged me a ton of interest during the balance transfer process. 

THIS IS NOT A DUPLICATE ISSUE. NAVY FEDERAL HAS NOT HELPED ME AT THIS POINT OR TRIED TO. THEY HAVE DONE ABSOLUTELY NOTHING. 

I initially reached out to NCUA and they closed my case immediately, claiming that the CFPB would need to handle this case. There is no other case on this issue and this is not a duplicate case. THIS IS NOT A DUPLICATE CASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Adjustment Bureau, Inc.
State: IA

Complaint narrative:
Talked to supervisor of Financial Adjustment Bureau on XX/XX/20. He threatened a lawsuit with wage garnishment if debts were not paid within 20 days. When I asked for proof of debt, he claimed that he had already done that and that he would not do it again. I told him that I have no idea what these debts are and I would like to validate them, he said no. He stated that we ( my husband and I ) must get a loan to pay {$1400.00} in 20 days or his attorney will sue for the amount owed and they will garnish wages. There is no way that I can dispute the debt because I never received notice of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XXXX XXXX I paid my account with XXXX XXXX in full and requested the account be closed with a signed letter and my check. 

Now 6 month later I show a membership fee and they will not delete it and will not remove from my credit record. I tried calling and on hold for 30 minutes and they say the sign letter meant nothing and that I should have called. 

I am XXXX XXXX  so a call is always XXXX XXXX and very very difficult if you are online for 30 minutes at a time I feel I am being discriminated against because of my XXXX-as well as being treated very badly Trying to fix but keep getting transferred - have been on phone for over 1 hour waiting for service from manager transfer from supervisor from customer service rep in us from customer service rep that spoke broken English I will be more than happy to provide any documentation required

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 2020-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I been calling and contacting company for 2 year requesting my bill and why I am being charged 100 percent higher then what I owe they avoid my phone calls and my certified mail On XX/XX/2020 XXXX I sent certified mail to capital one bank  use tracking number usps XXXX XXXX XXXX XXXX XXXX XXXX requesting a break down of what I owe and capital one still has not responded if they can not provide any information this collection needs to be taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation