vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX

Complaint narrative:
" Thank you for your complaint XXXX about XXXX/XXXX and  XXXX/XXXX ( Under same entity ). We've sent your complaint to the company for their response. '' This was from CFPB on XX/XX/2018. 

The company ( Collection Agency XXXX/XXXX ) responded with the attached letter and documents. Again, they never provided actual evidence I owe the money as XXXX XXXX, personally. The account is a Corporate credit card I was an authorized user. XXXX and XXXX and its subsidiaries have NOT provided evidence I am liable under the Fair Debt Collections Practices Act request for proof of debt liability personally. It is a corporate debt, not a personal debt. The collection agency as well as XXXX and XXXX have NOT properly verified the debt properly in violation of the Fair Credit Reporting Act Section 609 and Fair Billing Act and Fair Debt Collections Practices Act ( 15 U.S. Code 1692g -  Validation of debts US Code ) If not resolved through CFPB then I will pursue avenues through the State Attorney General and through my own legal counsel for damages under applicable law. Enough is Enough! I have asked several times for this to be properly investigated and proper evidence has NOT been provided. I am NOT personally liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
I sent an email to them on XX/XX/17 requesting that I be able to close the account and continue to make smaller payments until paid in full and they never got back to me. Paying XXXX XXXX  interest is way out of my league!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: TX

Complaint narrative:
I am a victim of identity theft and i have an fraudulant unauthorized account from a XXXX XXXX corporation that is showing on my equifax credit account i have provided a police report to equifax that the account is a fraudulant unauthorized account because my identity was stolen. XXXX and XXXX removed this account and blocked it but Equifax has failed to do there job even though i provided my police report also i have a fraud alert with all 3 credit bureas i also reported an account called XXXX XXXX as being a fraudulat unauthorized account and equifax closed the account but they have failed to remove it from my credit account im pissed at equifax they are not doing there job if its closed for being a fraud account then why leave it on my credit account it does not make any sense equifax are not doing there job please help me!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
telephone # XXXX called saying I owed to XXXX so I wrote check out and mailed for Synchrony. Thought nothing of it because I had XXXX card. Month later got call saying I owed {$110.00}. Knowing I didn't, and researched and Synchrony was not my Credit Card bank, but XXXX was. I am not going after my first payment, but wanted to let more people know how you can easily be scammed.

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 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I went to Florida Hospital XXXX XXXX XXXX in the year XXXX with a XXXX insurance. I was provided service and I gave my XXXX details. In XXXX, I was monitoring my credit report and saw collections from ability recovery of an amount of {$850.00}. When I called them to explain that I had XXXX and that the provider was responsible for claiming the money from XXXX, they were mean and rude to me, called me a liar and refusing to take responsibility. They will not listen to me or even give me any information. They only want my credit card details. They have been calling my phone constantly, threatening to hit my credit. I have contacted the credit bureau to get this resolved but the collection agency keeps putting it on there. I'm totally not liable for this debt. The provider failed to claim payment from the insurance I had at the time. I don't use that insurance anymore and i'm not responsible for the said amount. 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 explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
On Friday, XX/XX/2018, XXXX XXXX of XXXX AL violated my privacy by coming to my home and leaving a collection letter with my husband because I was not home. My husband is not on the loan. I actually never applied for a loan with the company. They also call and leave messages multiple times a day everyday Monday through Friday. They sent a live check to my home due to some kind of pre-screening and I dont even know how they got my personal information. Due to my job closing down money was tight so I deposited the check. I have been unable to pay it back for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: MN

Complaint narrative:
I have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in experiam or XXXX, it only appears in XXXX, according to experian and XXXX I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my 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
Consumer complaint received 2018-10-01 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: Regional Management Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX was paid in full and agreed to remove negative reporting from my credit report. The company is still reporting on my credit and is stating that I paid less than the full balance. I have letter from the company, emailed to me by XXXX XXXX emailed to me on XX/XX/XXXX. I paid {$950.00} on XX/XX/XXXX. The letter was signed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: MN

Complaint narrative:
I have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in XXXX or equipax, it only appears in XXXX, according to XXXX  and equipax I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: FL

Complaint narrative:
I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XX/XX/XXXX but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped 57  points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Back in XXXX, I was very sick and I had to go to the hospital. I do have health insurance. I never receieved a bill for anything I owed. I am trying to get a home mortage right now and I had my credit pulled last week and they said I had a collection debt on my report which I know could not be true. When I reviewed it, I was sent to XXXX for a XXXX bill. I never received a bill for this so I had no idea it was even due! I called XXXX to talk to the payment center and they told me that I did not owe anything as my insurance had paid everything. I asked for them to remove me from XXXX and they said they could not. I would have to speak to XXXX. I went into their XXXX NC XXXX and the lady up front said there was nothing she could do, that my credit was damaged for 7 years and to just go ahead and pay it and it will " look better '' than it being owed. She also said if I did not pay it, they could put out a warrant for my arrest for failure to pay a debt that is owed. 

If I owe it, that is fine and I will pay it in full but the hospital told me I didn't owe it and XXXX is no help in the matter. They have broken the Fair Credit Reporting Act and my fiancee is an attorney here in XXXX NC. He is wanting to file a suit against paragon for damages to my credit report but I would rather just pay the amount owed and have it deleted vs going to court over something I don't even owe and never got a bill for. All i am asking for is the opportunity to work this out and have it deleted off my 3 credit report bureaus before my fiance takes XXXX to court over XXXX dollars. 

I have heard horror stories in the past about XXXX lying, double crossing people, and I refuse to be a victim when they broke the FCRA law in North carolina. 

I have filed a complaint with Consumer Financial Bureau, XXXX XXXX XXXX, and I have also contacted my Attorney Generals office of North Carolina. 

If they are unwilling to resolve this with or without payment and delete from my report, I will have no choice but to let my fiance file a lawsuit against them to have it removed from my report as this is keeping us from getting our new home!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal set a hold on my account for 180 days, after 180 days they have to release the money. Meanwhile its locked since XXXX XXXX which is far over 200 days and my money ( 1100 euro ) is still frozen. 
Paypal is not willing to give me any service at all and they do not want to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to Experian requesting to provide physical verification of the original signed consumer contract on accounts and inquires posted on my credit report, or to remove if unable to provide verifiable proof which was received by them on XX/XX/2018. ( Receipt attached ) It has been more than 30 days, and I have not received any proof or updated investigation results from Experian. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that Experian immediately delete this information from my credit reports.

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 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XXXX of XXXX but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped XXXX points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency convergent.

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 2018-10-01 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: FL

Complaint narrative:
I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XXXX of XXXX  but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped XXXX points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency convergent.

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 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Ample documents have been provided to you, eastern account systems, all of which have provied there was never a debt owed and XXXX radiological was to be responsible for any balance. This information has been provided to you, eastern collections via certified mail. Yet you have continued to ignore it and willfully and intentionally violated fcra causing me damages. 

I find it concerning that The balance line that you speak of in our last complaint ( which was specifically sent to me AFTER I disputed this erroneous debt by your company, eastern account systems ) was noted and reflected as zero. This information was also provided to the Texas attorney general as well as CFPB. My current credit report lists this as a paid debt and not a removed debt as you claim. ( Your third fcra violation by the way ) You were provided the information to dispute the debt via certified mail and placed it for collections regardless another of your many fcra violations. At this point I am seeking legal counsel and you can consider this my intent to sue. Do not contact me again regarding this manor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XX/XX/2018 XXXX XXXX ) and XX/XX/2018 XXXX XXXX ), I was locked out of my checking account and unable to make ATM deposit 's ( due to ongoing malicious and internal ( Bank ) retaliation ( previously filed CFPB complaints ) and discrimination ( based on race, age, disability, national origin and sex ). Recently ( XX/XX/2018 ), I visited a local branch for the purpose of changing my PIN NUMBER ( CHECKING ACCOUNT ). However, my PIN NUMBER was changed ( internally ) by the bank ( locking me out of my personal checking account and preventing me from using my ATM/DEBIT card for transactions. The bank was asked ( in writing via CFPB ) to change AND restore my PIN NUMBER ( XX/XX/2018 ) back to my chosen PIN NUMBER on XX/XX/2018. As of today, the bank have REFUSED to adhere to the applicable laws which govern them ( violation of my privacy ). The bank and XXXX 's ( bank employee in the Executive Office ) ongoing, tolerated and maliciously practiced DISCRIMINATION and RETALIATION/REPRISAL continues to be practiced ( in an effort to force me to CLOSE my checking account ). Any and all information provided to the CFPB is for the use of the CFPB and shouldn't be used by the bank or it's subsidiaries. ALL supporting documentation, will be faxed to the CFPB.THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION
State: DC

Complaint narrative:
I received a letter from DC Tax office last month stating that I didnt pay my taxes for the first half, as a result I owed {$810.00} plus XXXX in penalty. I was confused and I reached out to my loan officer ; XXXX XXXX, who confirmed that I paid my taxes at closing and they would take care of the tax bill including the penalty because it wasnt my fault. 
On XX/XX/XXXX, I received a letter from DC property tax office which confirms that my Tax AbatemenXXXX application has been approved and I do not have to pay property tax starting XX/XX/XXXX till XX/XX/XXXX. I emailed this letter to XXXX XXXX, who again confirmed he had forwarded the letter to the loan department. 
On Friday XX/XX/XXXX, I received a letter from XXXX Bank that my mortgage payment will go up starting XX/XX/XXXX? My monthly payment should decrease starting XX/XX/XXXX because I do not have to pay property tax till XXXX. 
I have called the number on the letter that was mailed to me, only to find out that XXXX Bank do not have a customer service department for mortgage loan servicing, just a general customer service reps who do not have a clue what I was talking about. 
I reached out to my loan officer, who just said I should call customer service. 
This is ridiculous and upsetting and someone has to be responsible for their negligence.

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