vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I originally got a payday loan with cash net and this is the second complaint I have filed! I can not get out of this loan and they know that. I have not taken money out of this loan in month and months to try and pay it back I also tried to pay it back with my stimulus but I never received that. The only time I had borrowed more money from cashnet a was to make the payment that was due. My balance is only XXXX XXXX actually its XXXX now after NOT TAKING OUT ANY MONEY and still making payments. I have been making payment arrangements for months because I can not meet the payments that are due. They take out XXXX every two weeks and I physically can not pay that! I have spoken to advisors multiple times they change my due dates which adds interest but they never break down the payments. I have paid cashnets payments before my car payment and power to try and catch up. Where I'm at now I paid cashnet last month and it ended up making my bank account go negative then I had over due fees from my bank. I spoke to an advisor and he moved 2 payments because now I'm behind to thus month. I'm normal people can not pay XXXX dollars in one check. That is insane and they don't do anything about it. My problem is I can't pay XXXX every two weeks I was advised to speak to collections at cash net, and they emailed me back saying there was a payment plan set up but that doesn't solve the problem it puts me back where I was last month. I can't keep going negative in my account so I can pay cash net and my power bill because a balance for XXXX  is not that much and they expect half of my paycheck every two weeks and it can not happen. I have proof for trying to just have smaller payments or 1 payment and they told me no. I'm drowning, physically drowning and I am struggling. They don't care and won't work on it with me. Here 's proof of the fake customer service the provide. It is fake because they seem nice like they will help you but they will push a payment back only for you to owe more and they make it IMPOSSIBLE to catch up. I have been asking them to help me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have spent the past several months sending certified letters and countless calls to all 3 credit bureaus Equifax, XXXX and XXXX trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a simple checkings and savings account with TD Bank and received funds for a sba loans that were deposited into the account and the next day withdrawan and I was left with the overdraft fee for the amount that I never applied for nor received. I spoke with the branch manager to which I was told the account was closed and I was issued another account and the same thing kept happening over and over to no avail of relief. The same thing was done with a XXXX XXXX bank account checking that I initially opened but my account was hacked with fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regarding SunTrust Account 's. Disclosing personal information to create multiple accounts reported to the XXXXXXXX Credit bureau and currently i am fighting this assignment fraud. XXXX Identity Fraud, Identity Theft dates, Co-conspirators & ROBO-signors Mortgage Servicing Fraud occur new account information and other transfer fraud MERS Mortgage Fraudulent transfer, Transferring a mortgage to another servicer. Fraudulent Assignments and fraudulent activity created a car loan account. Fabricated assignments, forged signatures and utter counterfeit created to fraudulently obtains a mortgage on my property. going on in Florida. Case Number : XXXX XXXX XXXX Case Style : CSMC 2019 RPL3 TRUST V. SHIRLEY BAKER, ET AL Div : 31 - XXXX XXXX. Case Status : OPEN Case Type : CIRCUIT CIVIL. Weekly Circuit Civil Foreclosures Report Clerk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXXXXXX case ( XXXX ) XX/XX/XXXX : 2020 XXXX  cici : XXXX XXXX XXXX XXXX a florida municipal corporation attorney XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX fl XXXX XXXX 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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX a notice of settlement was received from Midland Credit Management advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX. 

On XX/XX/XXXX a debt validation letter was sent to Midland Credit Management in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded. 

All 3 bureaus list alleged " XXXX '' account as closed and collection/chargeoff. 

Then on XX/XX/XXXX, XXXX dispute results were received and there was an observation that on XX/XX/XXXX " XXXX XXXX XXXX '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " XXXX ''. It should also be noted at time of inquiry neither " XXXX '' or " XXXX XXXX XXXX '' had any open accounts listed on credit report. 

On XX/XX/XXXX a letter was received from XXXX that stated " This account has been assigned to XXXX XXXX ''. How can an account be assigned to a company that has already closed and charged off said account? 

How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
After review of my credit report I found that LVNV is reporting an alleged debt of {$600.00}. I mailed two letters requesting further information on this debt and their authorization to collect. This company has ignored all of my requests. As of this moment I have not received any further correspondence from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping me susceptible to identity theft, but its also hindering me from applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My EDD payment was paid into my XXXX account XXXX acct # XXXX in the amount of {$1200.00} NFCU took that money despite the fact that I was advised by XXXX in security that EDD was protected funds and that it would be returned. It never was and when I requested a list of protected funds I was advised it does not exist. I than stated than you must return the money you took as you can not prove you had a right to. Since my compliant they have given me the run around and have now taken my account and it appears to have been closed. NFCU as removed /deleted correspondence between us and I can not access it anymore. They have been covering up the violation against me with intentional actions to prevent me from defending my position

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
As of XX/XX/2021, XXXX  and TransUnion are currently reporting an fraudulent account from XXXX XXXX  that is adversely affecting my credit score. This account is not mine and no information has been furnished to me upon request. I was a victim of fraud previously and as a result placed a lock on credit file.

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 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Accounts Service
State: CA

Complaint narrative:
i saw that i have a collection account from a DR . I've never used or seen. Have disputed previously too no avail. i contacted them today by phone and was told to pay this account and call it a day. They send me a debt validation letter, but none of these documents have my signature. So what are the terms i agreed to? if you cant produce a signed agreement please delete this at once!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I received notification of a SSN trace and a subsequent email from a XXXX XXXX from XXXX/LVNV Funding LLC regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore XXXXLVNV Funding LLC by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's XXXX & XXXX to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), and XXXX XXXX ( XXXX ) which makes me believe the debt has been re-aged. I would also like it to be noted that XXXX is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for XXXX and TransUnion. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.

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 2021-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's Experian & XXXX to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), and XXXX XXXX ( XXXX ) which makes me believe the debt has been re-aged. I would also like it to be noted that XXXX is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for Experian and XXXX. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.

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 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aequitas Capital Opportunities Fund, LP
State: TN

Complaint narrative:
I was treated at XXXX XXXX XXXX - XXXX, TN ; in the Emergency Room XX/XX/2020. Veteran Affairs XXXX XXXX paid the XXXX XXXX that I have uploaded with this complaint. A third party through XXXX XXXX XXXX XXXX XXXX Account Number XXXX, has reported this to all 3 Credit Bureaus that has affected my Credit Rating and Score and has harassed me with phone calls and bills. I'm reporting Care Payment to CFPB and requesting that the derogatory negative information be removed from all XXXX Credit Bureaus and that Care Payment stop billing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
THIS COMPANY SAYS I OWE A DEBT FOR THE AMBULANCE COMING TO XXXX XXXX XXXX. I WAS INJURED ON SCHOOL PROPERTY DURING SCHOOL HOURS PARTICEPATING IN SCHOOL ACTIVITIES. THE AMBULANCE WAS NEVER CONTACTED BY ME BUT THEY MADE ME SIGN MY NAME AND THEY BILLED ME, IN FACT I WAS STILL A MINOR AT THE TIME

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 2021-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XXXX, XXXX I entered in a consumer credit transaction with Credit Acceptance, in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges. I was not expecting a bill this bill is a violation of 15 USC 1692b.

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 2021-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have deposited approx {$450.00} into an ATM machine belonging to Bank of America in order to put money balance on my credit card. 
The ATM swallowed my money, and the bank refuses to give it back saying itll take 2 billing cycles. 
The bank refuses to give me a temporary credit and refuses to resolve this matter immediately basically holding my money hostage even though it was not my fault

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 2021-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Crossroads Systems Inc.
State: TN

Complaint narrative:
I applied for a PPP loan with XXXX XXXX, a delegated company and was approved on XXXX and signed my documents on XXXX. my lender is capital plus financial llc, and i still havent received funding or an update on whats going on. XXXX still says active in-disbursed. idk what to do. im behind on my bills and cant buy anymore supplies that i need. This is the XXXX sent to my email. 
I need some major help getting funded there are people who just signed their loan last week and got paid today! I have been waiting since last month I signed on XX/XX/XXXX! 
My loan number is 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 2021-06-07 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: FL

Complaint narrative:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. 
I do not recognize this information and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this information, and remove them once its confirmed that it is not mine.I believe that someone else may my name.it could also be possible you are mixing up this account with someone that has a similar name as me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. 
I do not recognize this information and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this information, and remove them once its confirmed that it is not mine.I believe that someone else may my name.it could also be possible you are mixing up this account with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am required to pay a loan amount that I was unaware of. The amount is XXXX I have requested a loan modification from Select Profilo Servicing.

I

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