vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Company never sent me collection letter to address, was not able to verify the account was a valid account and has agreed to remove the negative information from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has ar itrairily added a fraud alert to my credit file without my approval, permission or request. This is preventing me from obtaining necessary credit. I have sent several letters along with the requested information to have this remived yet they refuse.

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 2020-06-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Last year I purchased round trip airline tickets from USA to XXXX on XXXX XXXX  XXXX. XXXX XXXX   canceled the flights, and on XX/XX/2020 I requested a refund which has not been received as of XX/XX/2020. Since XXXX XXXX has closed its customer service department, I am not able to get any more information from them except seeing that they have simply laid off most of their employees and not flying passengers. 
I filed a credit charge dispute with Barclays HI Airlines MasterCard on XX/XX/2020, and was informed it would take 45 days to process. They declined the dispute, stating that I had authorized the charge, even though I provided all information that the flights were canceled. They requested I document and provide them with the US Dept of Transportation rules for cancellations such as this in and out of USA. MC knew about this DOT rule, but required that I provide it as a document to them. All along this company has made delays and more requirements. As of XX/XX/2020 they are now stating they need to hear back again from XXXXXXXX XXXX. And then deal with XXXX XXXX  's bank, if no reply from the airlines. All in all, I bought a round trip expensive airline ticket. The services were not provided, and the airline has basically shut down. My friend on the same flight submitted a dispute to her credit card company about a week after me, and received a refund from her CC about 2+ weeks ago. 
My Mastercard company is playing games, delaying, etc. Anything I can do about that, short of hiring an attorney? 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 monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MAKENNA KALI & ASSOCIATES, INCORPORATED
State: NY

Complaint narrative:
This agency -has no license in NYS -statue of limitation run out -reporting inaccurate information to credit bureaus -refused to provide a ownership of alleged debt -refused to correct their action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: OH

Complaint narrative:
I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.

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 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I bought a family plan for mobile phones and services with XXXX in XXXX. In XXXX I made a complaint with XXXX because from the beginning it had been charging me {$30.00} every month. XXXX did not solve the problem for me. I am aware of the complaint with XXXX XXXX for the return of the amount it owed me, which was approximately {$700.00}. XXXX  XXXX decided in my favor and of the payments that I had made every month, it returned about {$700.00}. Now the collections company XXXX Resource Management with the telephone number ( XXXX ) XXXX They call me threatening saying that he is a lawyer. They also sent an account for {$1700.00} to the credit company XXXX, XXXX, and XXXX. At XXXX  it appears with the account number XXXX XXXX XXXX XXXX XXXX, Mi XXXX Phone XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland funding on XXXX  credit report is a fraud report ... it was deleted by XXXX   for that reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I do not wish to file a complaint, but I had a question on the reporting/deletion process. there was no other way for me to submit my question online. 

I am currently working with a consumer advocate at Navient trying to get an old paid/settled loan deleted from my credit report. this loan was paid off in a settlement back in 2015. in the past, Navient has deleted old account, that have been closed/transferred for more than 24 months. I submitted a request to have a " goodwill '' deletion of my old paid off account as it was holding up the process of me buying a house. my consumer advocate stated that the Fair credit reporting act prohibits them from deleting the account at their discretion. I was advised to dispute the account with the reporting agencies in hopes of them deleting it. I forwarded them a letter they had sent to someone else granting them the deletion of an old closed account that was transferred to another lender after 24 months of being closed. I questioned the difference between a transferred and a paid account, at which they could not provide me with an answer. either way, the account is satisfied with Navient, and the same at least 24 months had passed. Why could the account not be deleted? The only answer I got was the FCRA forbids them from deleting this. I found this hard to believe. I asked them to mention what section forbids them from doing so. they can not provide the answer, they advised they will have their legal team look into it. I have had success from other banks and lenders on deleting accounts at their discretion. do you know of any parts of the FCRA that prohibits Navient from making the judgement to delete an old, paid off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ Data International is attempting to collect on a debt illegally. They are violating Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

As of XXXX XXXX  central time, the listed company does not have an active surety bond with the state of Texas and therefore is not legally able to collect on the alleged debt. Not only are the trying to collect illegally, the representative I spoke with requested to collect from XXXX income. I called back and requested to speak with a supervisor or manager and was connected to XXXX XXXX. I advised him that their company was not authorized to attempt to collect and requested the debt be deleted in it's entirety and removed from being illegally placed on my credit reports. XXXX XXXX said that they will continue to attempt to collect and sue me for the full balance of the alleged debt. 

This illegal information reflecting on my credit report is causing harm to my ability to be approved for credit as well as harm to my mental and emotional health. 

In addition to violating Section 392.101 of the Texas Finance Code, I never conducted any business with this company and have no knowledge of doing business with them. I have requested proof of the validity of this account and have never received it. I have also requested proof of having conducted business with IQ Data and did not receive it. I requested proof of the exact dollar amount of the debt they are claiming I owe and still did not receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX  an account established in my name fraudulently. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to SPS/Select Portfolio Servicing reporting of a mortgage paid late allegedly owed by me. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing, XXXX, XXXX  and XXXX  and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. 

I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA. Upon receiving proof of the item as being fraud it is not to be reported any longer. I provided Experian with a second police report that identified SPS/Select Portfolio Servicing as fraud. I also disputed it with again and provided letters of dispute sent to SPS/Select Portfolio Servicing on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office to CEASE AND DESIST reporting and collections of this fraudulent account as it is defaming and willfully harming me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Attempting to have me acknowledge owing a debt over 7 years old and was paid off prior to 7 years. Explained to debt collector this debt was paid in full and is over 7 years old.  Debt collector said they will seize my paychecks until this debt is paid off to them. I explained i have paperwork showing full payment made and to not contact me further. They threaten to contact my employer and family members until i start paying them. This is harassment and should be illegal to try to collect debts that are not owed and past the 7 year mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
As a Federally Protected Consumer, the Original Creditor, and its Principal and Authorized Representative for on all accounts created by my seal/signature, As of the date of this letter you SEQUOIA FINANCIAL SVCS have violate FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )  XXXX XXXX is violating HIPPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
This is a predatory loan. The interest rates and cash advance fees they charge people that are struggling make it impossible to pay back. The rates are predatory and don't fall under the Fair Lending Act. The interest rate is 299 % with a cash advance fee that is 25 % of the advance amount. Due to the predatory acts or this company, I was unable to pay my loan and it went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I made a payment on XX/XX/XXXX. It was not applied, in fact it was returned.

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 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I started receiving collection notices from water company about a bill ; I called the water company and explained my name does lot match and that I have never received any water not have I ever done business with the company. I have sent certified letters to the water company in question which included my name and address to show I am NOT that person. I have had water through a completely different company for 6 years and never have I done business with the water company in question. The customer service lady apologized for the mix up and said I wont get any more calls or mail. Today I received a collection agency notice. This is harassment and against the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account was an auto loan that was a total loss. The account was paid by insurance and there was a left over balance. The left over balance was supposed to be paid by GAP insurance. It took GAP insurance about a year to pay the balance on this account. I called and disputed this account with Capital One Auto Finance because they were reporting this account past due and putting on my credit that this account was delinquent even though it was under dispute. I told them that GAP insurance was supposed to pay the balance and they said that I was still required to pay the monthly installment even though the account was under dispute. They continued to charge me interest on this account and by the time GAP insurance finally paid it about a year later, so much interest and other charges had acrued that there was still an unpaid balance after GAP concluded their payment because of the interest and late fees. 

This account was never closed, it is reporting as an installment account on my report. It was opened in XXXX of 2013 and yet they are still refusing to remove this account. I have asked them to remove the account and I was informed that this account still had a balance and thusly still stayed open even though it was a total loss and opened in 2013. This has destroyed my credit and my ability to get reasonable interest rates on other vehicles I was forced to lease because the car was a total loss. Not to mention the fact that this account, ( though it was previously removed from the credit reports and then was put back on the credit reports ), has reported every month delinquent since the total loss event to the most recent month even though the account was under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Total Card, Inc.
State: CA

Complaint narrative:
Company reported late payment after chapter XXXX bankruptcy was filed, I was never late paying on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
I made a payment of {$5400.00} to XXXX XXXX on XX/XX/2020 and they are saying that they never received the payment. The employee ID number of the customer service representative alleging this is XXXX. His name is XXXX  XXXX. His location is XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Because of rules the CFPB enforced on Paypal, I am unable to refund someone a transactions because of " low funds ''. Paypal is forcing me to sign up for an account I don't want. I want to refund someone back their money, and paypal isn't allowing me to do so. I think they could easily refund the transaction based on the law, but they are not interested in being fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This agency is reporting inaccurate information to my credit file for trade line : XXXX XXXX XXXX ; incorrect balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX an account established in my name fraudulently. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to SPS/Select Portfolio Servicing reporting of a mortgage paid late allegedly owed by me. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing, XXXX, XXXX  and XXXX  and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. 

I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA. Upon receiving proof of the item as being fraud it is not to be reported any longer. I provided XXXX  with a second police report that identified SPS/Select Portfolio Servicing as fraud. I also disputed it with again and provided letters of dispute sent to SPS/Select Portfolio Servicing on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office to CEASE AND DESIST reporting and collections of this fraudulent account as it is defaming and willfully harming me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am in desperate need of assistance before I lose my home. By no fault of my own my home ownership is in jeopardy. Please take the time to review my case. 

I have three different mortgages that I have been paying for 16 years. They are each in escrow with different mortgage service providers. Chase Bank being one of them. Chase had the wrong tax parcel ID number and sent tax payments for XXXX and XXXX to the wrong mortgage service provider. I called to inform them they had the wrong tax number, and they corrected it. In order to get their money back they raised my mortgage payments by {$630.00} a month. I deem this as completely unfair and fraudulent.

Company response to consumer: Closed with explanation