vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CW Financial
State: CA

Complaint narrative:
I was trying to resolve a payday loan I had that was sent to XXXX XXXX. I had been paying biweekly, and then weekly consistently for some time. Back in XXXX, a payment didn't go through and I was told they couldn't help me. I wasn't allowed to change my payment schedule because they said I had changed it too many times before, which is fair. I had tried contacting them, and had left voicemails, and no one reached out to me. I received a call at the end of XXXX and set up payment arrangements again. I had informed Mr. XXXX that my job doesn't pay on a normal bi-weekly schedule. I'm paid every 15 days. My last {$200.00} didn't go through. It came from my card as a pending charge, but XXXX said it declined. I called, left a voicemail and asked them to try once more before I could change cards. I received a new voicemail that said I needed to call directly. It came from an Unknown Number, so I couldn't call it back. I called the number I had saved and left another voicemail. Today, XX/XX/XXXX, I received a call saying I would be served papers XX/XX/XXXX. I called to see what was going on, and was asked if I had the {$330.00}, which is {$130.00} more than what I owe. I explained the issue with my card and her response was " So, you don't have it? '' She told me that they were no longer going to assist me and that I should've been served a long time ago and she wasn't sure why they hadn't. Which I felt wasn't necessary. I asked her if I could speak to Mr. XXXX because I wouldn't be in town on the XXXX, and she said no because he didn't work in that office. He also had called from an Unknown Number, so I couldn't call back from my phone, and she wouldn't provide any information for me to talk to him. Basically, they win the judgement because I won't be in town when the papers are served, and I was told that I can't reach out to anyone. I've been trying to pay this off, and I did fall off on payments once I lost my job in XXXX, but the communication has been awful. And when they call, they call from unknown numbers so I don't anwer. XXXX XXXX XXXX number is XXXX ( this is the number Mr. XXXX gave me in my voicemail ). The number I originally had for them is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: NY

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: WA

Complaint narrative:
On XX/XX/XXXX we ordered BY MAIL one item, a " XX/XX/XXXX Space Saver All-On-One Washington & Federal Labor Law '' poster. The vendor 's order sheet was used and showed a purchase of one poster for a total of {$10.00}. A parish check was enclosed in full payment. In addition to the one ordered item, XXXX XXXX , XXXX shipped us a number of UNORDERED ITEMS via public carrier and then proceeded to bill us for them in the amount of {$210.00} ( Their Invoice # XXXX XXXX XXXX XX/XX/XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX, XXXX a letter by Certified Mail denying XXXX XXXX 's claim of {$210.00} for unsolicited items never ordered by us nor chargeable to us per 39 US Code Paragraph 3009 " Mailing of Unordered Merchandise. '' The letter was received and signed for at XXXX XXXX   's XXXX CA address by their agent XXXX XXXX on XX/XX/XXXX per the Certified Mail Receipt postcard we received afterwards.Despite the face that we never ordered the additional items for which this parish is being billed ( and now has been sold for collection to " The Receivable Managment Services Corp. of XXXX WA ) AND the fact that we gave XXXX XXXX the opportunity to retrieve these unordered items ( as stated in our letter ), they have continued to harass us through subsequent phone calls and emails for this fraudulent claim. On XX/XX/XXXX we received a debt collection letter from " The Receivable Management Services LLC '' of XXXX ( their Ref # XXXX ) that XXXX XXXX has contracted to collect for this fraudulent debt. Furthermore, the amount due has now been raised to {$240.00}

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 2019-05-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I asked that you investigate and remove the unauthorized inquiry on my credit report. 
Fifth Third Inquiry from XX/XX/2018 Bank Fifth Third Inquiry from XX/XX/2018 I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
I have a mortgage on a property that requires flood insurance. Suntrust bank requires a copy of the policy annually. My association has the insurer forward the updated policy annually. For the last 2 years, at least, they have claimed that they have not received it despite it being sent via fax 3 times, with loan number included. I have been threatened with forced flood insurance in multiple letter mailings. Each year I have to make numerous calls and the representatives I speak with refuse to give me access to a manager. They claim they will send an email to inform the " managers '' but I can't speak to one. In an effort to resolve this issue, both this year and going forward, I spoke directly with my insurer and had a conference call with a representative. They refused to allow the insurer to speak with a manager as well. They claimed they will email a manager and that they would contact my insurance representative in 24 hrs. I will never take out a mortgage with these people again. My time is valuable and I have lost hours of it in attempting to resolve this problem.

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I received notification to my credit reports of a collections by the company, Radius Global Solutions. I was never sent any communications from this company, neither have i ever received any calls from this company. So for them to place this on my credit report without attempting to contact me, is illegal. Adding the amount for collections is in dispute. 

I today contacted the initial company/creditor XXXX XXXX who verified that my driver 's license may have been used to verify my identity and obtain my social security number ( XXXX XXXX never requested my SS number for service ) and how the collections company XXXX have gotten my social security number to place the account on my credit reports. My driver 's license information is up to date, and I presently still reside at the address on the driver 's license plus XXXX XXXX has the same address as address of service and billing address. They also confirmed my telephone number, so this company had my contact number. Yet no attempts at communication. 

I am making a separate complaint against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from TD bank. 
All TD checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. 
I disputed this with XXXX, sent police report and the copy of FTC complaint but TD refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. 
I need these removed, and an explanation as to how four accounts can be opened!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
capital one shows card open XXXX, never had card with them until XXXX not my debt they must provide debt validation on when this account was open

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Repeated calls after speaking with agent and letting them know I would return call after contacting original debitor. Less than 12 hours gone by repeats calls to other family members, in-laws, spouse, spouses place of employment, out state relatives, repeated calls to 6 different relatives or connections in 1 hr after I fail to answer. Ive asked to only contact my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: NY

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove.Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
this company has been taking money from my account over an extend amount of time. now that I have closed the account they are calling my job Human Resource office harassing me. I have reached out to the Florida Trade commissioner also. please stop calling my job harassing me its illegal.

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 2019-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to apply for a pre approval for a home loan and the lender told me that I was not able to get pre approved because of my credit. I then went to my bank because I thought maybe they were not telling me the truth and my bank who I have been with since I was a teenager told me the same. There are some things on my credit that is not mine. I've contacted the FTC and the police department. I'm acting on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and an account that don't have a name but the account is 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 2019-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Copy of email sent to Corporate Heads at Best Buy : This complaint is regarding an illegal charge that caused my credit score to drop over 80 points. I was made aware when I checked my FICO score ( which I check constantly ). My score dropped from XXXX to XXXX ALL BECAUSE OF THIS ISSUE WITH XXXX AUTOMATICALLY BILLING FOR XXXX COVERAGE OF MY XXXX. Please be aware that I do not have to have coverage, so why are you all billing AND NOT OFFERING me yearly coverage like you NORMALLY DID IN THE PAST. It's my decision if I want to continue my coverage. 

I'm highly upset and as a XXXX XXXX XXXX, I'm disappointed. I've work extremely hard on my credit and have been a Best Buy customer for 5yrs. 

Who gave XXXX the authority to charge and subsequently report the XX/XX/2019 charge past due and late? Why was I not contacted about the charge? If automatically billed, why was it not automatically paid with my bank account on file? 
As of XX/XX/XXXX, this caused Citibank to charge 2 late charges and interest charges. I contacted Citibank and in order for them to reverse the late charges, I had to authorize them to take the original payment from my bank account on file. AND THERE'S STILL REMAINS AN INTEREST CHARGE OF {$6.00} is due XX/XX/19. 


Please update information to all 3 credit bureaus and have my credit score RESTORED to its original number IMMEDIATELY.

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 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I took out a 30-year mortgage with XXXX XXXX in XX/XX/XXXX. I paid all payments in full + {$400.00} toward the principal through XX/XX/XXXX. My mortgage was sold to TD Bank on XX/XX/XXXX, at which point I immediately paid my first payment to TD Bank ( again, full payment + {$400.00} toward principal ). My XXXX loan statement said I did not owe anything for the month of XXXX because the funds I'd been putting in escrow toward taxes would cover XXXX ( I ended up paying my taxes out of pocket, so they were effectively reimbursing me ). 

Here 's where things have gone awry. 

Halfway through XXXX, I got a note from TD bank saying i was >15 days overdue on my XXXX payment. Reason being : a previous payment had been reversed. The request to " reverse '' that previous loan payment came from another loan agency that *was not* XXXX XXXX - the organization from whom I originally received the loan. I called TD Bank *immediately* to learn more, and they told me they had to enter a request to their investigations team because they don't know what's going on.To be safe, I immediately made a payment. I also made my XXXX payment on XX/XX/XXXX. I have called TD Bank 3 times, and they have confirmed these payments were received, and I am no longer past due. 

All the while, I continue to receive weekly letters from TD Bank saying they're threatening to report me to the credit bureau and that this could result in foreclosure. No one at TD Bank will send me a written document to say that I have been incredibly proactive in working to resolve this issue. Additionally, no one from TD Bank has reached out with a status update, though I continue to ask them to do this. I call once per week, and they still have no update ( after 3 weeks! ). 

I am entering this complaint to document the steps I have taken and the lack of action on TD Bank 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from XXXX XXXX. 
All XXXX checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. 
I disputed this with XXXX, sent police report and the copy of FTC complaint but XXXX refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. 
I need these removed, and an explanation as to how four accounts can be opened!!

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: GA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 90-120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: TN

Complaint narrative:
I went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted my police department and the FTC. I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit. 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 non-monetary relief
Consumer complaint received 2019-05-08 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Nine months ago, this company name CACH , LLC, C/O Resurgent Capital Services located at XXXX. XXXX XXXX in XXXX, SC XXXX started reporting a debt on my credit report from XXXX XXXX in the amount of {$730.00}. I contacted them and they stated they were hired by XXXX XXXX to collect on this debt. I contacted XXXX XXXX since I have several accounts with them and they indicated that this account was opened in XX/XX/2011. I personally do not remember the account but nonetheless, it is literally far beyond the statute of limitations for collections as well as the ability to report to the credit reporting agencies. I have written two letters to this company and they will not remove this item from my credit report. They are in violation of provisions of the FDCPA by implying that the legal status of this debt is collectible by reporting the alleged debt to XXXX, XXXX XXXX and XXXX. This has caused me a great deal of problems trying to get this removed. I have also written the Chief Executive Officers of XXXX, XXXX and XXXX in regards to this discrepancy. I have yet to hear any response from them yet. 

I am asking tremendously for your help in resolving this matter. This is totally unfair and in clear violation of consumer protection laws. Please help me resolve this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90-120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-08 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: GA

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 31 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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