vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: UT

Complaint narrative:
Someone used my social security number to create a fraudulent account through XXXX during the dates of XXXX. XXXX - XXXX. XXXX and now I owe a XXXX bill that the EOS CCA collections agency purchased from XXXX. 

Years ago ( XXXX ) I contacted XXXX and was told by them they have no litigation on this matter since EOS CCA purchased the debt. I contacted EOS CCA and they told me I have to prove that I did not live at the address where the XXXX debt occurred ( XXXX XXXX XXXX XXXX XXXX XXXX and the tenants name XXXX XXXX during the fraud dates ) I sent mailed them the documents that proved I never lived at that address and the credit calls stop soon after that so I assumed it was resolved. 

I recently found out that they never resolved it and my credit is still being negatively affected. I called them once again today ( XX/XX/XXXX ) and they told me they never received any documents and that their data is showing this is the first time I have ever called which is untrue. They are mailing me a fraud packet that i must fill out and enclose a police report ( which I am currently working on ) and a written letter about the dispute and send it to them within 30 days. 

I am contacting the CFPB because I doubt they will remove the debt since they seem to lie or forget about all the calls ive made to them and the proof documents. At one point EOS CCA even accused me of creating the fraud telling me I could have given away or sold my social security number effectively implying that I am a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
National credit systems is attempting to collect a debt not owed. The lease was terminated in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested that Equifax conduct an investigation of errors on my credit report over 45 days ago. They have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX from cap XXXX fraud called told me there rebilling me XXXX for a charge to the XXXX hotel where i never stayed or authorized even though i file a police report and there advertising XXXX fraud liability there need to be investigated for violating the XXXX and false and deceptive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: MA

Complaint narrative:
Upon apply for capital one when I received the offer it said that I would receive rewards, when I applied and got approved after getting the card I realized it was a diff card than I thought I was getting and I called and No rewards for that card. That 's false advertising, I would like my complete debt to be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
My husband and I both applied for a card with Fortiva separately and both got approved for 6 months no interest and a {$1500.00} credit limit. The company did not apply the 6 month no interest to my card and is now refusing to do so saying no I do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
this company Credit Acceptance account ( XXXX ) has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my XXXX  credit report.

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 2017-09-19 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: FL

Complaint narrative:
I noticed on my credit report medical bills that were placed on my files with XXXX, XXXX, and TransUnion that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.

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 2017-09-19 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: FL

Complaint narrative:
I noticed on my credit report medical bills that were placed on my files with XXXX, Experian, and XXXX that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.

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 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Systematic National Collection, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I mailed a letter Systematic National Collection ( SNC ) in regards to a {$390.00} collection that they posted on my credit report. My correspondence was to try to settle the aforementioned collection. I did not receive a response via mail, but they were still sending me a bill threatening to report the debt to all collection agencies if I did not pay. A few months later, I received a call from a SNC representative named " XXXX '' ( no last name was given ). During our conversation, he stated that they had received my letter but could not accept the amount I had offered to close the case. I explained my financial situation and how difficult it would be to pay. He stated that the best they could do was to waive any interest fees but I would still have to pay the full {$390.00} in order for that to be removed from my credit. With that in mind, I sent SNC a payment of {$390.00} ( as it is the amount shown on my credit report ) on XX/XX/XXXX. On XX/XX/XXXX, I called SNC to see if they received the payment and check on the process of removing the collection from my credit. I spoke with " XXXX '' who admitted that they had received the payment but went on to say that it was n't the full amount and that I also owed interest. He claimed that the amount on my credit report XXXX {$390.00} XXXX and what I paid XXXX {$390.00} XXXX were different and on top of that I still owed interest. He would n't let me ask questions to help me understand and threatened to hang up the call ( which he ultimately did ) because " I talked over him ''. I called back a minute later and spoke to a different representative and tried to explain the situation to no avail. That representative stated that there were no records of " XXXX '' offering to waive the interest fees and remove the collection from my credit if I paid the full {$390.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I had my identity stolen and credit cards were used without my authorization. I filed a police report and contacted the companies that had accounts opened without my authorization. Most of the companies worked with me and removed the accounts from my credit report but one did not they have since sold the debt to a collection company. I 've tried to resolve the issue with the credit card company and do not want to pay something that i did n't use but they still report the charge off on my credit report and its effecting my ability to get the best rates on loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I enrolled in the Equifax fraud protection program on XX/XX/XXXX as a result of the security breach affecting millions of Americans. 

The website said to wait up to a few days for an email with next steps. Today is XX/XX/XXXX and I have n't received an email. I have checked my spam and trash folders. 

I called the Equifax hotline. Totally useless, no information, referred me back to website. Could n't check on status. Could n't tell me how long to wait. This hotline is itself a fraud. 

I want to know the status of my enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax was hacked. My data was identified as potentially at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
In an effort to compromise with the debt collector, I settled the account for 30 % of amount owed in order to have it deleted from my credit reports. I have experienced extreme hardship over the past year and have finally started to be able to save for a home again. I will be applying for a mortgage in the next six months and this invalid collection is a huge hurdle in my effort to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Presto Auto Loans, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX the title loan company filed a court case against myself. The Judge assigned to the case however dismissed the case on XX/XX/XXXX, with no judgements against me. 
The company which is Presto Auto Loans however on XX/XX/XXXX began harrassing me as well as relatives that are not and were never on the title loan. Which consists of leaving threats on my daughters voicemail, sending letters of jail time to my other children and harassing me at my employer at this point. They are doing this even though their lawsuit was dismissed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
In XXXX XXXX XXXX, a traditional IRA 2-yr CD ( Certificate of Deposit ) that I had with CIT Bank matured. Since CIT was no longer servicing IRA money they did not have any traditional IRA CDs to roll this money into. So they set up an IRA saving account that had a low rate and transfered my money into this account when the CD matured on the XX/XX/XXXX. Currently I 'm trying to transfer the money into a new bank ( XXXX XXXX XXXX XXXX ) that services traditional IRA money and CDs. I went to one of their branch offices and had an officer of the bank fill out a Traditional IRA Transfer request to transfer the money out of my CIT Bank traditional IRA saving account ( via check ) to XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I called CIT bank and spoke to a representative and explained that I was mailing a Traditional IRA Tranfer request and to find out if the Transfer document need to be notarized. She informed me at this time that the it would take 2 to 5 business days to process the Transfer. I sent the Transfer document on XXXX XXXX XXXX overnight mail and it was received by CIT on the XX/XX/XXXX. I called CIT on the XX/XX/XXXX to find out the status of the Transfer. It is at this time that the CIT representative informed me that the Transfer was still being processed and that also it would take an additional 5 to 10 business days to mail the check to XXXX XXXX XXXX once the Transfer document was approved. Thus I received inconsistent or partial information from the first person I talked to at CIT on the XX/XX/XXXX and the XX/XX/XXXX CIT representative on the XX/XX/XXXX. Since CIT was no longer offering Traditional IRA services, the time required to Transfer the money should be expedited since I was on the phone with CIT on 2 different occasions and they new what my intentions were. This delayed processing time appears to be nothing more that a blatant attempt to maximize their use of my money while behind the guise of processing time. The Traditional IRA Transfer application is only a 1-page document and should not take 2 to 5 days to process. Additionally, 5 to 10 days to cut a check and mail it to another banking institution is equally inadequate. Also if I had been given complete and accurate processing and mailing time I could have made other arrangements with another bank ( XXXX XXXX XXXX ) to make the transfer by wire of the Traditional IRA money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NY

Complaint narrative:
My student loan is with NAVIENT, I have called several times about my loan and each time they could not offer me an affordable plan so they only offered forebarance of my loans. The interest just kept adding up and now they are almost double. I have called 4 times in an attempt to agree to a payment, each time i call i am given a different amount to pay. The last amount i was given was {$170.00} which was not easy for me but i did not want to continue on this path of not paying. I received several bills for over {$1000.00}. it does not add up. When i call about it they always give me a new number to pay and send a bill for way more than that. Something is not right here and something needs to be done about it. They have also been unable to produce the note to my loan. " it has been coming in the mail '' for quite some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
After receiving the email notice to complete my registration for the Equifax data breach to have free credit monitoring, the link opens a page that says it can not load. Upon refreshing the screen, a TrustediD screen appears that says my answers were not correct and to wait 24 hours to try again. This continues to happen as if it will always indicate answers I have not even started giving yet are incorrect, until the end of the registration period at which time I expect that I will be denied the coverage because I did not finish the verification process. Attempts to call Equifax, regardless of the time of day, receives a recording saying they are too busy and to call back. It appears to me that Equifax is not actually interesting in correcting or helping protect against identity fraud after their data breach error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ND

Complaint narrative:
On XX/XX/XXXX I had a hose break under my dishwasher while we were gone and cause water damage to my home. I called my insurance company and reported the damage the following day. After waiting 22 days, XXXX XXXX XXXX sent me a check for the repairs of my home, for {$8100.00} which I received on XX/XX/XXXX. After being in constant touch with Pennymac, since the date of the flood, I had all of my required paperwork submitted and received by PennyMac. Upon receiving the check for repairs, I called Pennymac to find out what their procedures were with regards to me mailing them the check so that it could then be sent to my contractor. Per instructions, I overnighted it along with a prepaid overnight envelope for return. 
Upon verification that Pennymac had received the check, I called to remind them that per the signed contract submitted by my contractor, he was requiring 50 % down. 
The signed contract had been submitted on XX/XX/XXXX. Pennymacs own website states that it can take UP TO 3 business days to process documents. However, upon realizing that they had missed this, on the XX/XX/XXXX, they rejected the signed contract on the XX/XX/XXXX they rejected my contractors business license. Then they decided to send his XXXX to the IRS for proof of identification. On Monday, the XX/XX/XXXX, I was told his XXXX was being held up because it did n't have his home address. This was corrected and uploaded, and today I was told that his XXXX needed to have both company and personal address. 
Let me add that my home is in forbearance and potentionally refinancing. When I informed Pennymac that from hence forth, all calls were going to be recorded by me, I was flat out told that Pennymac forbids recorded phone calls and I was then told " your home is in foreclosure, so what does it matter ''. When I informed them it was unlawful to move a home into foreclosure without informing the buyers, and to XXXX how well that worked out for XXXX XXXX, a Pennymac spokesperson called me back and assured me that there had been a mistake ; my home was not in foreclosure. In the mean time I have been without a sink, a single cabinet or floor in my kitchen and my basement remains gutted.

Company response to consumer: Closed with explanation