vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I have contacted Huntington Bank SEVERAL times and was told by XXXX XXXX this fraudulent inquire would be removed. That was back in XX/XX/XXXX, it is now almost XX/XX/XXXX and they have yet to remove the inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC
State: FL

Complaint narrative:
To whom this may concern, XX/XX/XXXX Apparently, there is a fraudulent account in my name with my social security number and current home address attached. A judgment in the amount of {$53000.00} has been created against me because of this fraudulent account not being paid ; because of this judgment against me, I am unable to sell my home without paying the lien and move on with my life. According to the credit application, this account was opened XX/XX/XXXX. The company that has placed this lien against me is called Ditech Financial LLC. A couple of months ago I contacted someone by the name of XXXX from Ditech and informed him of my situation, and he made me aware that I needed to dispute the charges. I was also made aware that an investigation would take place soon thereafter. The process of the dispute had me to manually fill out paperwork before a notary and initiate a police report. There were no issues with this process especially since the original paperwork was done manually. The attached paperwork contains the original installment contract, credit application, the title, the dispute denial, and the dispute paperwork which contains my writing. Accordingly, I felt like whoever could clearly see the differences in handwriting since I was able to see the original installment contract that they had on file. So now I am at the point of feeling like I am getting the run around because its getting harder to speak to anyone about this and recently they have stated that my claim has been denied. This is difficult to accept because the handwriting on the application is not mine, and the credit application signature block stated signature on file. To me, this means they did not even sign the credit application! This account was fraudulently created because I was never or had any understanding of the signing process. Therefore, any signature on any of the attached paperwork for credit is not mine and I am without a doubt disputing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
capital one bank, XXXX XXXX XXXX, ut. took over my XXXX  credit card some time ago. i recently requested a line increase on XX/XX/XXXX. i applied online and also over the phone, but it was a robot and not a real person. subsequently they turned down my request and the reg b form say it was because " credit line increases are not available at this time upon request for this type of account. '' they invite me to go thru creditwise to help me with my problems. XXXX   shows me with a credit score of XXXX, and on-time payments of 100 %.

of course when i get to a real customer service representative they give me the runaround that i should check my credit score and delinquency and also end up saying that the computer makes the decision and they have no control over it.

i believe the reason to turn me down is in violation of reg b, and if the reason is true it means they havent raised the cr. limit on any credit cards which is hard to believe

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: Innovis
State: CA

Complaint narrative:
These companies completed hard inquiries under my name without my authorization. I do not consent to the inquiries. 

XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX CBCINNOVIS Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX 5 Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX regarding Account # XXXX at the address listed below via certified mail on XX/XX/XXXXandXX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have requested documents or agreements with my signature to confirm. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXXXXXX XXXX XXXXXXXX is not bonded with the state of Texas to collect any debt. 
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Omega RMS, LLC
State: NY

Complaint narrative:
Had received multiple phone calls a day from OMEGA RMS. When I finally did speak with them, because it was bringing my credit score down, they told me they were collecting a debt from XXXX, a spa in XXXX. The contract amount owed was {$2900.00}. I had a contract with XXXX which I broke, because they had taken money from my account without my permission and far beyond what I owed them per month ( {$1200.00} in two days. ) OMEGA explained I still owed the balance of the contract, which I refused to pay seeing as how the company treated me. So I called XXXX directly. They then called OMEGA, and OMEGA called me back, saying my total amount had been lowered from the original {$2900.00} to {$1100.00}. I agreed to pay it, in two payments two weeks apart. They sent me a written form stating this was the new amount owed and once paid, the debt would be cleared and also removed from my credit information. 

Today, 9 MONTHS LATER, I am receiving a phone call from a new debt collection company, XXXX XXXX XXXX, is trying to collect the " remainder '' of the balance - the exact amount that OMEGA had taken off what I owed ( {$1700.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
The company TOWER LOAN IN XXXX XXXX XXXX NE WITH A GIFT AFTER VIOLATED MY HIPPA AND IN RETALIATION TO ME FILING HIPPA COMPLAINTS TO A FEW DISABLING CONDITIONS IN WHICH MY COMMUNICATION SENSES ARE LIMITED AS FAR AS VISION AND HEARING. THE COMPANY SENT ME A PRETENSE XXXX GIFT THAT I DIDNT ASK FOR AND AFTER IDENTITY THEFTING My Medical history THROUGH THE PHYSICAL THERAPY CLINIC NEXT DOOR, AND LATER STARTED ASKING ME TO PAY IT BACK AS A FEW WORKERS THERE DONT LIKE ME. And recently had me subpoenaed to court over it and it wasn't supposed to be a loan only a gift even after XXXX XXXX ADVISED ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
1. Mohela is not following the agreement I signed upon gaining my student loans since inception ... The INTEREST ACCRUAL since Mohela took over the loan is incorrect. It was only supposed to accrue interest until it hit the 10 % mark as per my signed agreement, ( which occurred right before Mohela took over from XXXX ) The interest capitalized on my account is now is WAY over. It should have never gone over XXXX and is now {$210000.00}. 

2. MOHELA appears to have been improperly tracking and applying your student loan payments- the corrections made have not corrected the balance. As an example, I was charged an extra charge in 2012 for a leap year day that did not exist since they compound interest daily and charged me 366 days at the 365 day rate. I overpaid by roughly {$20.00}, which is then continuously compounded through the life of the loan. More importantly, this continues to show that they are not tracking the loan. 

3. I would like to know the status of my forgiveness date and how many eligible payments I have made to qualify me for the XXXX program as well as full paperwork on the exact terms of this forgiveness program. 

4. Is there anyway I can move to working with another program as I do not trust Mohela nor do I believe they are doing a correct/efficient job for the Government nor myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Our firm was hired to negotiate a settlement between the Loan Servicer and our client ( the Debtor ). When trying to get information with the loan sevicer they refused to work with me even though we have sent our  Third Party Authorization several times. 
GM financial is in violation of Regulation V XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
A Demand letter came in the mail for {$160.00} on Tolls that coast {$2.00} each way through a tunnel. I Never received a bill so that i could pay the Toll, they sent it to a Lawfirm called Linebarger Goggan Blair & Sampson, LLP in TX. I called the Lawfirm, they told me if i never received my bills it isn't there problem and it doesn't matter I just have to pay the balance owed. There was no proof or bill of my car & it's license plate Number or picture isn't on demand. Only an Account number they gave me on their demand letter which never stated that my debt was going to Accumulate over {$100.00} in Over a month. Keep in mind that i received my bill at the beginning of XX/XX/XXXX and the bill was mailed out XX/XX/XXXX. So from the day the bill was mailed it was adding more to my bill that I was never made aware of until it was to late. As someone who is struggling to put food on the table and gas how do they ever expect some one to pay this. I would have rather paid the {$2.00}. This has been an ongoing problem for the XXXX XXXX XXXX in downtown XXXX, scamming people out of hundreds and thousands of dollars. XXXX XXXX is that i was never given proper notice of a small simple bill & now this is on my credit tarnishing it over a {$2.00} Toll.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
( XXXX ) NOW ALLY FINANCE WHICH SHOWS ON MY CREDIT AS XXXX HAS ACCT ALL WRONG AND WILL DO NOTHING ABOUT IT IT IS 72 MONTH CONTRACT STARTED XX/XX/XXXX. SHOULD BE DONE XX/XX/XXXX I HAD 3 EXTENSIONS WHICH PUSHS MATURITY DATE TO XX/XX/XXXX.? THIS IS VERY EASY TO SEE I HAVE PAID OVER 30000.00 That was XXXX loan. I had to pay until XX/XX/XXXX to pay loan off they ended up with extra 18 months, you can look at XXXX and see all the notes they made me pay 90 months on 72 month loan with only 1 time 30 days late. I always paid my late fees. I have copy of my contract and credit report backs up my claims, the math does not add up. I paid XXXX more than what I should have, XXXX at 18 extra months that should not have been .. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$17000.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$450.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 90 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Auto Date of First Delinquency : N/A Comments : Consumer disputes this account information 81-Month Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR 30 NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR PLEASE HELP WITH THIS XXXX IS A LOT OF MONEY THAT I COULD HAVE USED NOW COMPONDED WITH INTEREST WOULD BE MUCH MUCH MORE. 
THEY JUST LAUGHED AT ME, AND SAID GOOD LUCK. THANKS XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX started garnishing my checks on the behalf of Navient. In addition to the garnishment I also had to voluntarily pay {$5.00} per month, for 5 months to satisfy the program. The final payment was received on XX/XX/XXXX but they continued to garnish my check up until XX/XX/XXXX. I have been in contact with this office since XX/XX/XXXX, both XXXX XXXX  and Navient, attempting to remedy the situation. In XX/XX/XXXXI received two reimbursement checks for that months overages, while still being garnished. Per the supervisor I spoke with today, I am still owed {$590.00}. I've been told the checks would be sent to me after 30 days of the garnishment but that has not happened either. I was told the remaining checks would be sent to my employer, unlike the others that were mailed directly to me because my account has been transferred to a 3rd company known as XXXX XXXX XXXX   whom I have no dealings with at all, no contract whatsoever. The only reason my check was not garnished this week is because I'm working for a different company now but I'm being told the checks will be sent to my former employer instead of being mailed to my home like the previous ones were. I would like some assistance with this because I have been dealing with this for 3 months now only to be continuous told " we understand '' but nothing is being done to return my funds. This is theft and I'd like some assistance in remedying the situation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: AZ

Complaint narrative:
I saw a new collection on my credit from Capio Partners. I was never notified of this debt or that they were putting anything on my credit and giving me a right to dispute it.

However, I sent a validation request to Capio Partners. They won't respond or anything, yet they continue to report this on my credit. This has been going on for 65 days. 
This agency is in violation of the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I utilized paypal credit for their 6 months interest free credit promotion on XX/XX/XXXX for a vendor payment of {$5000.00}. Paypal provides no email alert, no online summary warnings or any balance details whatsoever on their website in regards to any fees amounts required to defer interest OR even any alert that fees are past due on a balance. The only way to ensure the a customer does not get interest charged is if they set an alert themselves which is a deliberate ploy to collect interest fees from their customers. I asked for a credit of all the fees before paying the balance in full but the paypal supervisor XXXX   refused to credit any fees whatsoever.

This issue is common among predatory financial institutions that create systems deliberately to catch customers unaware of their outstanding balance. They in fact rely on the interest free period for the consumer to forget when the fees will be charged. Paypal catch their customers that choose to get online statements ( environmentally responsible consumers ) since there is no online information on their website relating to deferred interest or fees. The paypal credit agent admitted to me on a call XX/XX/XXXX that other customers choose to get paper statements in the mail specifically because Paypal do not alert online statement customers to any interest charges. When I escalated this to the supervisor " XXXX  '' ( who would also not provide any more details on his name than this ) advised that their system does in fact provide transparency on the interest fees. However, when asked to show me he could not provide any evidence of an online alert OR transparency on fees OR information on deferred payment fees. After clicking at least 4 buttons within paypal credit online system, the customer has to download " past statements '' on a PDF file to see the only information paypal provide relating to these deferred fees being charged.

Paypal deliberately set up their system to provide ZERO transparency and online alert on interest fees in order to exploit their customers. It is clear that Paypal ( one of the most advanced online finance systems in the world ) have deliberately implemented no transparency for their interest free credit system as part of their deceptive practices revenue generating plan.

Company response to consumer: Closed with explanation