vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
A sales person by the name of XXXX came in to our business to offer us a water filtration system called XXXX. He tested our water and said that it had XXXX causing chemicals and that we were at high risk of getting sick from it. After discussing the product for a while we decided to get it installed. He said that the total was XXXX and that the monthly payment was going to be {$90.00} a month for 6 years. He showed us a peace of paper where I had to provide my social security number to see if we qualified for additional savings. To which he then said we qualified for three free months. What we didnt know is that what he was doing was opening a credit card with Aqua Finance in  the amount of XXXX. We have been paying our $ XXXX monthly bill amount for a little over a year now and just found out that we are actually paying a financing company who charges interest every month for the unpaid monthly balance. Our balance is XXXX as of XXXX which means that in this whole year we have been paying mainly interest and only about {$270.00} has gone towards the water system. The only reason we found out in because my daughter opened a bill from them and reviewed it and let us know about this issue. We were absolutely never advised that a credit card loan would be opened and that there were interest fees on top of the XXXX. My daughter checked their XXXX reviews and XXXX reviews which are filled with people complaining about being scammed by them too. They are a fraud. They lie and take advantage of the XXXX community that doesnt speak much XXXX. I called the company Aqua Finance and they told me to call the sales people at XXXX XXXX. I called XXXX XXXX on XX/XX/2020 and they advised that they cant do anything and to call Aqua Finance again. They just keep sending me back and fourth. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have reached out to the company NCA multiple times, and requested documentation on this debt. The documentation they provided me did not have my address or bank account. I informed them that this was not my correct address and Ive never lived in that location. They have continued to ignore and have continue to attempt to collect on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On Friday, XX/XX/XXXX I contacted my bank regarding a freeze on my checking and savings account. I spoke to a Specialist regarding this issue and he discussed that they had to have an investigation, meanwhile, my account was not part of any fraudulent activity - I was just a joint account holder during this process. I asked the Specialist if my funds would still be deposited into my account ( i receive direct deposits from my job ) he specifically told me that my account being froze would not stop a direct deposit from being deposited. But, this date was my direct deposit day, hours later, still no deposit. I decided to call the bank again and speak to another Specialist. The specialist discussed that she had to speak to the authorized account holder ( my mother ) so i told her to hold on while i get my mother who was with me at the time. Then the phone hangs up. The specialist hung up in my face. Now I have to worry about paying bills because my bank has not contacted me or my mother regarding this issue and my primary funds are being held in my checking AND savings account. I have to pay bills and receive a direct deposit, but no one has helped me at all through this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MEDCAH, Inc.
State: HI

Complaint narrative:
XX/XX/20 A message was left on a co-workers phone stating to call a debt collector. When he called them back. medcah, Inc provided all of my information of my medical bills owed and electric bill owed but was paid off. XXXX tried to collect the debt by asking for a credit card payment. Im not sure how XXXX got his phone number because she has my phone number. I spoke with her two weeks ago regarding the amount she mentioned and requested a list of all account numbers so I can verify  these are in fact my bills. I never received a letter from Medcah. This has caused me major stress and anxiety. I am embarrassed that XXXX provided someone who has nothing to do with my bills all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TDF Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited the refundable amount of {$20000.00} for a surety bond with TDF financial services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone # XXXX, XXXX and XXXX On XX/XX/XXXX I received a letter saying that the business shut down, That my surety bond was canceled effective XX/XX/XXXX And that the cancellation would be effective 30 days after that, and then that I should wait 60 days for them to issue my refund. They stopped answering the phone and emails : On XX/XX/XXXX I got a hold of XXXX and she told me that they were still in the process of shutting down that they only had three people working and that was the reason it was taking too long that they would be sending letters with any new information. 
On XX/XX/XXXX they sent me another letter apologizing for the delayed response. They said that their team was limited to three members working as fast as possible to get the information out that I should have information coming out by the end of XXXX, another month went by, I kept trying to call XXXX but she never returned my calls, I sent many emails and finally on XX/XX/XXXX I received a letter from them are telling me that they are insolvent and have insufficient funds to refund the XXXX trusts :

Company response to consumer: Untimely response
Consumer complaint received 2020-10-08 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:
XX/XX/20 I submitted Identity Theft documents to Equifax, XXXX  & XXXX  about several fraudulent applications and accounts in my name. There are still mutltiple fraud accounts which remain on my Equifax & XXXX  report even though I have notified them of Identity Theft in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have contact and sent letters to Navient to remove 90 day inaccurate late payments from XX/XX/2015 as I was on a forbearance. My credit shows I was in good standing from XXXX to XX/XX/2015 and suddenly a 90 day late payment shows up in XX/XX/2015. I have also consolidated my loans at this time that has an exceptional payment history. 

XXXX  and XXXX have 14 of the 90 day late payments being reported.

XXXX  has 5 of the 90 day late payments being reported. 

According to FCA all reports should report the same information and they are not as XXXX  has a lower amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-10-08 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: CA

Complaint narrative:
I disputed Collection Account XXXX XXXX XXXX XXXX   ACCOUNT # XXXX with the three Credit Bureaus ( XXXX, XXXX, Transunion ) and with XXXX XXXX XXXX XXXX, stating this collection is not reflecting the correct purge date. I went in debt with the original creditor XXXX XXXX  ( please see attachment ) in XXXX, XXXX XXXX XXXX XXXX re-aged the date to date opened XX/XX/XXXX with removal date XXXX, XXXX. This removal date is inaccurate, please have this account removed from my Credit report. The original creditor filed a judgment on XX/XX/XXXX. The credit bureaus nor the collection agency XXXX XXXX XXXX XXXX will not remove this inaccuracy from my credit reports. This is why I am filing a claim with Consumer Finance XXXX XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX XXXX, MDXXXX

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 2020-10-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed Collection Account XXXX XXXX XXXX XXXX   ACCOUNT # XXXX with the three Credit Bureaus ( Equifax, XXXX, XXXX  ) and with XXXX XXXX XXXX XXXX, stating this collection is not reflecting the correct purge date. I went in debt with the original creditor XXXX  XXXX  ( please see attachment ) in XXXX, XXXX XXXX XXXX XXXX re-aged the date to date opened XX/XX/XXXX with removal date XXXX, XXXX. This removal date is inaccurate, please have this account removed from my Credit report. The original creditor filed a judgment on XX/XX/XXXX. The credit bureaus nor the collection agency XXXX XXXX XXXX XXXX will not remove this inaccuracy from my credit reports. This is why I am filing a claim with Consumer Finance XXXX XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX XXXX, MDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have reached out to the company XXXX multiple times, and requested documentation on this debt. The documentation they provided me did not have my address or bank account. I informed them that this was not my correct address and Ive never lived in that location. They have continued to ignore and have continue to attempt to collect on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding a regular consumer dispute. I am very stressed I have been sending letters before filing this complaint and still no response.

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 2020-10-08 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:
XX/XX/20 I submitted Identity Theft documents to XXXX, Experian & XXXX about several fraudulent applications and accounts in my name. There are still mutltiple fraud accounts which remain on my XXXX  & Experian report even though I have notified them of Identity Theft in my name.

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 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I have two accounts from the same collection agency Eastern account system # XXXX and # XXXX. I have no knowledge nor was I contacted about this debt. I never received a phone nor did I receive a bill or statement of these two accounts. I have called to see what the debts were the man on the phone said it name was XXXX and that I owed nearly XXXX. He explained it was for medical bills. Any medical bills I had were paid by my insurance. He advised one was for a medical scan and the other was medical testing. I disputed these bills after never receiving validation. Per credit report it states unable to locate. My credit report and doctors whom I still use currently have accurate information and neither my doctors nor creditor agency have a issue locating me. I have never been made aware that is a bill/bills with unpaid amounts of money. I would like validation and all proof that these debts. Never received information nor option to dispute the information reported to XXXX. 

Acct number ending in XXXX is dated XX/XX/XXXX {$350.00} Acct number ending in XXXX is dated. XX/XX/XXXX {$370.00} The amounts of money are similar. 

Recently XXXX reports that collection agency attached one of the accounts as a brand new collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America EDD checkings account was hacked, and someone transferred XXXX on XX/XX/2020 to XXXX XXXX ( ref # XXXX XXXX. 

I called Bank of America, who said a credit would be posted as they contacted the bank, but I have not received the credit

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