vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am a 100 % XXXX Veteran that was XXXX XXXX in XX/XX/2013. Due to service connected injuries, I have become unable to work. I fell delinquent on the AAFES/Star Card account and have had my tax returns taken since leaving the military. 
I would like a printout showing the original balance owed when the debt first became delinquent, as well as something showing the $ XXXX total that has been offset from my taxes- applied to the debt. They have taken over {$4000.00} total and are now garnishing my SS XXXX benefits in the amount of {$250.00} per month. They send billing statements with no decrease to my balance and refuse to mail me anything showing the original balance upon separation and a detailed list of all of the funds they have taken from me, applied to the account. I am told to contact the debt collection company they transferred the debt to, with them refusing to provide information as well. I can not pay a debt that the balance continues to grow. I do not need a statement that shows nothing but the current balance. Where has all that money gone? I have already lost everything I own, from being unable to work, yet this company continues to take my money and refuses to provide documentation of all money that has been offset. I am at a loss. This is why XXXX commit 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 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MCM XXXX XXXX XXXX is keep sending me repeated letters regarding a debt that is past the statute of limitations and even says so in the bill they sent me. Even says if I do pay that it would enable them to sue me for the entire debt. 

I have asked this company to delete my record as past the statute of limitations. 

account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by XXXX. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as XXXX and the previous debts listed above that the credit reporting agencies have not bothered to do.

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by XXXX. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as XXXX and the previous debts listed above that the credit reporting agencies have not bothered to do.

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 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: USI Solutions Inc.
State: NY

Complaint narrative:
The company apparently just got my file from their " client '' yesterday, however, they made up a lie and said that my boss 's cell phone and his " ex wife 's '' cell phone were both listed as being mine so they tried to reach them. They called them at XXXX XXXX and lied to me about contacting them. That is harassment. They called me 2 times, no messages left. I don't answer numbers that I don't know and I return calls that leave messages. They are harassing and the manager actually hung up the phone on me when I asked for his direct contact information in order to handle the harassment. I never gave them permission to contact anyone, therefore, they should not be contacting my boss on his personal cell phone at XXXX XXXX XXXX. My personal business is nobody else 's business, especially not my boss and his ex wife!! This is also a debt that is from XX/XX/2007 that is out of the statute of limitations and their contacting my boss and reveling that they are collecting a debt from me is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
XXXXrequest to Security Credit Services LLC to verify the debt at address XXXX XXXX XXXX XXXX, XXXX MS XXXX *Letter returned to sender as refused//unable to forward XXXX2nd attempt letter to validate the debt Security Credit Services LLC at address XXXX XXXX XXXX XXXX, XXXX MS XXXX XXXX XX/XX/2018 @ XXXX no response received from the company I sent letter to Security Credit Services LLC requesting them to validate the debt . My attempts have been returned or no response from the company. The amount showing on my credit report is $ XXXX.I reach out to all credit bureaus to see what method did they use to verified the debt since I received no response. I only received a letter back stating that it was accurate and verified again.This have been almost a year and no communication from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/2014 ... .XXXX XXXX XXXX XXXX {$130.00} XX/XX/2014 .... XXXX XXXX XXXX XXXX {$930.00} XX/XX/2014 .... XXXX XXXX XXXX {$2400.00} I have no recollection of these accounts and are not mine. I have contacted these places to have removed and they were not helpful in any way

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 2018-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
My complaint is about the time it is taking to process my IDR, not getting any replies back as promised, given misinformation, and customer service representative acting as a barrier to getting my problems resolved. I submitted my IDR application on XX/XX/2018, and didn't know to check the {$5.00} hardship payment box. On XX/XX/2018, I received an email advising me that my application had been placed on hold, and that no action was needed from me. After waiting a few weeks for this to resolve, which never happened, I called XXXX XXXX for an explanation. At which time I was told that I had not selected the box to pay the {$5.00} interim payment required for the application to be processed. I have spoken to several representatives with different theories on why my application was placed on hold and not processed accordingly. One rep told me to wait for the {$5.00} billing, and once that was paid, it would trigger processing, and in the meantime placed me on a forbearance. Another rep told me that, one forbearance was in place when another one was processed, and that was the reason for the delay. Once one forbearance drops, the application would be processed correctly. I started receiving a notice to pay, and late notices, which prompted me to call again. This time though, the rep starting telling me that I had to pay the amount billed until I insisted he looked at the notes further. He could not give me an answer for why it has taken so long to process my IDR, at which time I requested to speak to a manager. He told me there was not a manager. I then requested for him to write me a letter stating all that I have been through, to which the answer was no. I demanded to speak to a supervisor and was told there was not any managers or supervisors, but he could transfer me to someone else who was just going to tell me the same thing. And, surely enough he did, only this time I've met with the representative, XXXX XXXX who has not come through on promises, appears to be non chalant about the urgency and possible adverse credit reporting, when asked to speak to a manager again, I was told that there was not a manager available. I am highly concerned about whats going on at XXXX. There doesn't seem to be any concern for the borrower 's frustration, and no incentive to go above and beyond to help borrowers with problems. As a matter of fact, the representative I've encountered encouraged me to make a complaint if I didn't like it. Dismayed and frustrated concerned about my credit, I am highly recommending that someone look into the practices of XXXX XXXX. And to add to matters, I just received a text today, stating that my payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018 I was a victim of identity theft. I was called by the branch manager at M and T bank saying that people were calling to be me and that I have had two activities on my account that were suspicious. One being a purchase at a shell for XXXX and the other is a XXXX at an ATM in XXXX XXXX, NY. I've filed a police report with the XXXX and the bank filed a dispute. The dispute for XXXX was given back to me. The XXXX has yet to be refunded and the bank has not been of any help or assistance to give me the XXXX. The last time the bank told me the case has been closed and told me to write a complaint letter which I did. The regional investigator accused me of taking out the money when he never spoke with the detective on the case and also the regional investigator also verified the recording of the people calling the bank pretending to be me was not me. I'm very irritated with M and T bank and would like my money back so I can finally switch banks.

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 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/2014 ... .XXXX XXXX XXXX XXXX {$130.00} XX/XX/2014 .... XXXX XXXX XXXX XXXX {$930.00} XX/XX/2014 .... XXXX XXXX XXXX {$2400.00} I have no recollection of these accounts and are not mine. I have contacted these places to have removed and they were not helpful in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom mortgage calling every day try to force me to refinance my mortgage Lying to, using deceptive methods.

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 2018-10-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX in XX/XX/2017 and bought a dress for my daughter for {$140.00}. I did not receive a bill from them OR the credit card by XX/XX/XXXX. In XX/XX/XXXX I began receiving DAILY calls from XXXX XXXX ( sometimes 3 a day ) about the money I owed them. I kept telling them I had yet to receive a bill, and I could not use the online payment feature they kept pushing because I DID NOT have a card. It was very frustrating.While on vacation in Florida that XX/XX/XXXX we were able to pay a portion of what we owed over the phone, but it was complicated by the fact I had not received the credit card. This is reflected in my credit report as past due, but if you look in XXXX the amount has been reduced by what we PAID in XXXX. In XXXX I paid off the bill COMPLETELY and received this email confirmation : " Your phone payment in the amount of {$77.00} was processed on XX/XX/2017. Your confirmation number is XXXX ''. The reason it had to be a phone confirmation is because I STILL had not received a card. I requested to close my account at that time. In XXXX I got a bill for {$2.00} from XXXX XXXX. I AGAIN called in and spent over 2 HOURS on the phone going back and forth with people over this bill. I explained that if I paid everything off in XXXX, how could I have a {$2.00} bill with a {$27.00} fee attached to it. This went on and on until I cited the email from XXXX with it's confirmation number and the amount I paid. I was then told my account was clear of all past debt. At that point I asked for my account to be closed. 
When I got my credit report I was ASTOUNDED to see anything negative from XXXX XXXX. I specifically asked about my credit report and reminded them that the miscommunication was on THEIR end since I never received a card or initial bill. I was told everything was cleared up. And now this. I am very very upset and would like this addressed ASAP.

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 2018-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I was told by my lender, Loan Depot, that I was approved for Loan Mitigation and I would be receiving a statement with a lower payment. 
About a week later I received a letter form loan Depot denying my mitigation due to not being with them for 12 months. 
I then contacted XXXX XXXX from XXXX XXXX XXXX, filled out there papers on line and sent them {$1000.00} on XX/XX/XXXX to fix this problem. I continued to get calls from Loan Depot and they heard nothing from XXXX. I realized it was a scam and did not pay them further. 
I called Loan Depot and explained what happened and we trued loan mitigation again. They would not accept any payments from me unless they were to pay the past due in full which was already {$7000.00}. 
I again was denied mitigated payment due to not being with Loan Depot for 12 months. 
I began a new process with XXXX XXXX XXXX XXXX her in Indiana. They have been tryin to help for over a year. 
I received a call about a month ago from the VA guarantor and they advised me they can not get any response from XXXX/Loan Depot concerning my loan. They have agreed to waive the 12 month requirement, but XXXX/Loan Depot will not respond the the VA. I was told by XXXX, that this is an ongoing problem with XXXX/Loan Depot. 
Now my house is going to Sheriff sale XX/XX/XXXX and I will have to file Bankruptcy. I do not believe that I have been treated fairly or justly from Loan Depot/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: A-1 Premium Acceptance, Inc.
State: MO

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, King of Kash, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX  XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: IL

Complaint narrative:
I have requested that these fraudulent accounts that was open in my name to be removed along with the addresses that I never lived at. I never once applied for these accounts online nor have I sent in any applications. Two accounts from XXXX XXXX, One account from XXXX XXXX XXXX. These two address XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL 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 non-monetary relief
Consumer complaint received 2018-10-17 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: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, XXXX XXXX  XXXX, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: CreditNinja Lending, LLC
State: MO

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, XXXX XXXX  XXXX, notified of the fraudulent inquiry made in to a XXXX  report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), Credit Ninja, notified of a fraudulent inquiry into a XXXX  report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX  XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).

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