vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
My name is XXXX XXXX, I am a previous resident at the XXXX in XXXX Maryland. I wanted to reach out to you due to receiving a call from a collections agency. During the call from the collection agency, they stated that my wife and I owe {$3700.00} due to unpaid rent. When I inquired on our move out date from the XXXX   they informed me that we move on XX/XX/XXXX, which is incorrect. I have attached a copy of an email that was sent to the XXXX informing your team that we would be moving out on XX/XX/XXXX, which we turned in keys and garage door openers on XX/XX/XXXX at XXXX XXXX. During this time our lease agreement had expired and we were on a month to monthly rental agreement. After sending the attached email my wife received a call from you was she informed you that I had been laid off and we could no longer afford the rent payment. On XX/XX/XXXX, I submitted the prorated rental payment of {$1100.00}, due to us moving out on the XXXX of the month. Per the XXXX county housing code, if you have a loss of income you have the ability to submit a 30 days notice. I have also attached another email stating that your maintenance team changed the locks on the unit on XX/XX/XXXX. I have attached several supporting documents that should clear up the errors and time that we moved from the apartment and also that we do not owe the XXXX any rent. The property management company can not provide a signed lease. They can not provide a reason why I was charged for the additional month and a half.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I agreed to pay the debt for a settlement amount and it was agreed that when I made the payment I would receive two documents : one was a receipt of payment and the other was a loopy of s letter requesting the debt to be removed from my credit report. This was told to me multiple times by manager XXXX XXXX. After I sent in my payment I received my receipt and XXXX told me to give him XXXX business days and he would have the second document. Well XXXX weeks have passed and I havent received anything and they beat around the bush and give me stories on why i cant get it but its easy to validate because the calls are recorded which is my proof of what was said. The day I was told this was XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: IL

Complaint narrative:
I am trying to pay this month 's ( XX/XX/2019 ) portion of my University loan through Conduent Education, but Conduent 's website has been down for days and I can not make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: NH

Complaint narrative:
I believe that the creditor that has a negative collection on every one of  my credit bureaus has a misunderstanding as to the responsible party to the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX   XXXX  applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: NH

Complaint narrative:
I believe that the creditor that has a negative collection on every one of my credit bureaus has a misunderstanding as to the responsible party to  the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX XXXX applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.

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 2019-05-14 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: NH

Complaint narrative:
I believe that the creditor that has a negative collection on every one of  my credit bureaus has a misunderstanding as to the responsible party to the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX XXXX applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.

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 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Opened Citibank checking account with their XXXX USD bonus offer with deposit of {$5000.00} within 30 days, Citibank did not allow me to fund my account until XX/XX/2019 over the internet and I was not allowed to deposit funds until I received a PIN number from them through mail and I received it XX/XX/2019. It was virtually impossible for me to meet the terms they issued with the system that was in place, I am disgusted by this predatory method of having people open their banking accounts only to be scammed by their predatory practices involving forced manipulation of possible depositing 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 monetary relief
Consumer complaint received 2019-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
you still have not sent me a copy of my signature on any kind of deferred payment! And you still don't explain the interest charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Date Posted XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX misc.debit XXXX Contacted Chase XX/XX/XXXX to report fraud and received a temporary credit of XXXX while they investigated. I received a letter in the mail from chase ( XX/XX/XXXX ) that claim was denied and the temporary credit will be reversed on XX/XX/XXXX. Called Chase XXXX XX/XX/XXXX XXXX to escalate/appeal case and was told they were unable to escalate/appeal. Contacted XXXX ( XX/XX/XXXX ) location where charges occured, no managers available to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received a notice that a dispute was initiated with Experian. I never asked, signed or submitted any online request specifically asking Experian to verify this account. How could someone do this on my behalf if my Experian account is frozen. Previous activity of identity theft is the reason I placed a security freeze on the 3 major credit bureaus along with the smaller ones. I was told a credit freeze would prevent this type of unauthorized request or inquiries from happening. Now that this request has already been completed without my permission I request the account in question be removed. If you can not remove it even though the request was done illegally I request the following be provided. 

1. Provide the letter or method that authorized Experian to conduct this dispute on my behalf.

2. Provide the method of verification used to verify the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this re-investigation. 

I have attached a written request for the method of verification.

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
XXXX XXXX | XXXX  XXXX  XXXX  and XXXX  - XXXX  Purchase a old debt that belongs to my father. I believe this was some kind of business loan from 2005. XXXX XXXX | XXXX XXXX XXXX and XXXX - XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, OH XXXX I can't find any information on XXXX XXXX | XXXX XXXX XXXX and XXXX - XXXX I was never provided a account number I was never notified of any debt in my name. 

Threatened with fraud Threatened with lawsuit if I did not pay for debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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:
Racial Discrimination Complaint : XXXX XXXX v. 

XXXX, XXXX. & TransUnion Violation of Sec. 1681n. Civil liability for willful noncompliance : by not providing or listing to me in their numerous responses the name of the third-party that provided the public records on my credit report listed as a bankruptcy in the responses filed by the credit bureaus and the proof of the verified source that has caused me serious financial harm : 1. XXXX  XX/XX/2019 2. XXXX XX/XX/2019 3. TransUnion XX/XX/2019 I am outraged these companies continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Based on the fact that I am an XXXX  American, as well as the fact that I have provided these companies, XXXX, XXXX, and TransUnion with a copy of my driver 's license which represents my race, I believe these companies have targeted me based upon my race as an XXXX  American in the manner in which they have failed to provide evidence of who their " Third Party! '' Where in fact these companies have not verified this case with the actual courts based on using my social security number.

I have asked for the who the third party source over the past 8 months and each company has violated my rights under the Fair Credit Reporting Act

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 2019-05-14 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:
Racial Discrimination Complaint : XXXX XXXX XXXX. 

XXXX, Equifax. & XXXX Violation of Sec. 1681n. Civil liability for willful noncompliance : by not providing or listing to me in their numerous responses the name of the third-party that provided the public records on my credit report listed as a bankruptcy in the responses filed by the credit bureaus and the proof of the verified source that has caused me serious financial harm : 1. XXXX XX/XX/2019 2. Equifax XX/XX/2019 3. XXXXXXXX XX/XX/2019 I am outraged these companies continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 

Based on the fact that I am an XXXX American, as well as the fact that I have provided these companies, Equifax, XXXX, and XXXX with a copy of my driver 's license which represents my race, I believe these companies have targeted me based upon my race as an XXXX American in the manner in which they have failed to provide evidence of who their " Third Party! '' Where in fact these companies have not verified this case with the actual courts based on using my social security number. 

I have asked for the who the third party source over the past 8 months and each company has violated my rights under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Toyota Financial Services and its representatives at XXXX XXXX in XXXX, AZ refuse to sell GAP products to military members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I had 3 store credit cards where Synchrony Bank was the bank. An Amazon Store Card, Guitar Center Card, and a Lowes card. All cards were paid and never late. All cards had {$0.00} balances. My credit report does not have any late payments. In the last couple weeks, Synchrony has closed at least 2 of these accounts without notice.

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 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Shellpoint mortgage is a horrid company which lacks structure or ethics. This is part two of my original complaint. The first time, my account was setup on autopay. The account never drafted the subsequent payments, athough the first two payments drafted fine. After a lengthy phone call and being told they could not understand the problem, I was told everything was fine and my account was current. Then I received a letter today, XX/XX/XXXX, statiny my account is past due and they will begin to accelerate my loan. Again, this is unbelievable since I have made multiple phone calls and received emails and spoke to representatives. I was told I am 100 % up to date, and my issue has been resolved. I believe this to be either incompetence or retalitory, as I am refinancing my home and Shellpoint will lose this mortgage. Not only did I pay everything at one time, I followed up to ensure that the XXXX autopay draft took- it did, and my account showed up to date and additional principal payments applied. NOW they state they will begin to accelerate my loan AND that I owe {$130.00} in fees- or I'm not even sure what. Then, they misplace several payments, and send me three pages that made no sense explaining where everything went. How is this company permitted to stay in business? They are predatory, unethical and incompetent. I have never paid a mortgage payment late, and I have multiple mortgages. This is the ONLY company i have ever had an issue with, and they should be shut down for fake fees and misappropriation. Attached find the documentation, sent to me five months after they took over my loan, and now are charging me fees and threatening me when they clearly have made these mistakes as shown by the ridiculous transfer of my funds all over the place. I also tried logging into the site on XX/XX/XXXX, and the server was down and I could not get in. I then tried the phone number of XXXX and was told that nobody could help me, I had " just missed them '' even though it was inside the business hours printed on the default and intent to accelerate notice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Direct Recovery Services has called me and members of my family claiming I owe {$2400.00} on a loan that I've never taken out. I told the representative that I have never taken out this loan. She told me that it doesn't matter. I still owe this money. I asked her to please give this information to me in writing and she would not. I asked her why the company that I supposedly owe this money to has never reached out to me and she said they would not ever contact me. I asked her to give me the companies contact information and she would not. She said this was for XXXX XXXX XXXX for a loan of {$2400.00} in XX/XX/2018. I double checked my credit report and I do not see any sort of loan for this company. I checked my bank transactions and do not see any sort of deposit into my account from this company for this amount. They are harassing my family and me. They refuse to provide me with adequate information about this supposed debt. I looked up the phone number for this person who called me and came up with nothing. I had to have her repeat what company she supposedly works for. She would not give me her full name. Her phone number is XXXX. It appears to be a number from Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation