vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
I checked my credit report and to my surprise there is a collection account for {$220.00} from XXXX XXXX XXXX. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Experian " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. There were specific things requested that the company furnish to validate and they failed to. None the less Experian responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Experian removed it and they to only furnished a bill as validation. So now I do n't understand how Experian ca n't validate on one collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Experian is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws. After searching the Secretary of the State of Connecticut, this collection agency is not registered or licensed as a business in the state of Connecticut and is not accredited by the Better Business Bureau.

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 2017-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
XXXX/XXXX/XXXX Loan # XXXX XXXX XXXX : ( approved ) Loan # XXXX XXXX XXXX : ( denied ) To Lending Club lending team : I am filing a written a compliant with Consumer Finance Bureau ( CFPB ) about your deceptive marketing and lending procedures. In the meantime, perhaps you should explain to me as to why the Lending Club awarded a loan to me in XXXX which I have paid off after making ten payments. For past several months you 've aggressively used your marketing approach toward me and defined me as a well qualified borrower and you wanted to do more business with me. Essentially you made me to apply for another loan at this point in time and than I was told by Lending Club that I now do not qualify! 
There are visible discrepancies in your criteria for lending that is disturbing. Whatever, my financial ability and credit score is today it is most definitely higher than when you used it to award me the first loan in XXXX. 
Did you just give a loan to unqualified borrower so, you the Lending Club could make his 6 % fee? Let 's find out? 
Additionally, your deceptive emails say that going through applying for another loan would not affect the borrower 's credit. I sure hope that it did not affect mine! Or that 's another untruth statement from your company that add fuel to the fire. 
As matter of courtesy, I will allow you 2 working days for your compliance people to investigate this issue and respond to me in writing with your reasonings. Also return my personal documents before I contact CFPB. By the way, I am determined to get to the bottom of this matter even if I have to retain a legal council. 

Please do not send me standard artificial apology letter for all the inconvenience that you have caused me. That wo n't work! 

XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX XXXX issued XXXX XXXX ending in XXXX was closed by the issuer at their discretion in XX/XX/XXXX due to security concerns. The company confirmed the account closure in a letter to me dated XX/XX/XXXX. However charges for {$34.00} appeared eight months later on XX/XX/XXXX and the issuer allowed them to go through despite closing the account. The issuer added late fees and minimum fees to my account after this and then contacted me for payment. I called the issuer on XX/XX/XXXX and also logged into the website to discover the issuer had not closed the account and there was an available balance. I do not trust XXXX despite its letter to have closed my account and wish the department to follow up on this case. 

The person I spoke with was : XXXX Identifier XXXX from XXXX Idaho The Issuer is XXXX XXXX  at phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: ERC
State: FL

Complaint narrative:
I phoned XXXX XXXX because the agency is reporting a charge off of {$73.00} that it is also being reported in duplicate by Enhanced Recovery. The representative with XXXX  instructed me to call enhanced recovery, when I called enhanced recovery they denied that they were continuing to report it. I believe that this account is being reported in duplicate and that the agency is in advertently reporting it and that the account is too old to be continually reported. 

Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account XXXX XXXX XXXX ERC XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 1 Months Credit Limit Not Reported Highest Balance {$73.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In reguesting my 3 free credit reports because my credit information has been affected by the XXXX data breach, TransUnion had denied my reguest stating I have obtained a free report within the last 12 months. I have not made a reguest for my 3 credit reports since XXXX/XXXX/XXXX. My reguest was made and denied on XXXX/XXXX/XXXX from TransUnion. My concern is that someone else had made a reguest and received my credit report from TransUnion. I want to freeze my credit reporting from this agency but fear it may be too late.

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 2017-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX capital one with all major bureau in violation police reported with ID theft gov violation of my rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Payday loan debt
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: Green Trust Cash, LLC
State: AL

Complaint narrative:
I tried to work with green trust cash on a balance owed by stating I could pay less. After I stated this and revoked all ACH authorization green trust cash then stated that they would take my money out anyways and they would have me arrested. This was the conversation over the phone on XX/XX/XXXX. Today XX/XX/XXXX I emailed green trust again asking for a reduced amount of payments and they  responded with a copy of the contract showing interest of 700 % which is illegal in the state of Alabama. By good faith i was going to pay this back but now they have threatened jail time to me and stating I will have to pay more than I borrowed cause it will charge me each day. I am afraid this company is going to get into my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: TN

Complaint narrative:
I have tried tried to unlock and unfreeze my credit file since XX/XX/XXXX. I have talked to 28 customer service representatives and my file is still locked and I can not make my purchase. I have almost 14 hours on the phone and I still do not have my file unlocked to make my purchase. This is insane.

The XXXX XXXX people do not know what they are doing and apparently Equifax doesnt either I would be in this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX amesher XXXX XXXX with all major bureau in violation police reported with ID theft gov violation of my rights!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: Midwest Recovery Systems
State: IL

Complaint narrative:
On XX/XX/XXXX, I got a notification from XXXX XXXX that there were three derogatory marks on my credit file. All three were from XXXX XXXX XXXX, one for {$1200.00} and two for {$270.00}. The company said XXXX. I have never heard of this company. I called the number and stated I did not owe this money and requested they send me a validation of debt. I never received anything. The {$1200.00} report says I have paid -25 % ( overpaid? ) of the debt ( {$1000.00} ) and the two {$270.00} reports say I have paid 73 % of the debt ( {$1000.00} ). I submitted a dispute with XXXX and XXXX. XXXX deleted all three collections from my report. XXXX also deleted them, but all three were back onXX/XX/XXXX. I would like these marks deleted from all of my credit files as I do not own them, I never received a validation of debt, nor did I get any notification prior to them showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Regarding fraudulent practices of Selene Finance LP company Multiple fraudulent transactions have been taken place starting from XX/XX/XXXX. Upon inquiries and endless investigations, multiple entities claim mortgage rights to the property at the same time. 

Please see background history below : Primary and secondary mortgage was obtained on a one bedroom apartment in XX/XX/XXXX from XXXX XXXX. All payments were sent to XXXX in a timely fashion every month. On XX/XX/XXXX, XXXX has refunded a payment of {$1500.00} for a primary mortgage while accepting a monthly payment of {$200.00} on a secondary mortgage. 
Subsequently, an unknown company, XXXX, has initiated their demands for a payment of over {$20000.00} on the account stating that they are legally authorized to do so. 
XXXX has failed to provide : *promissory note *security deed *registered assignment Upon contacting XXXX County Registry Office , no documents were filed by XXXX certifying the requirement for all transactions to be recorded. 

Shortly thereafter, an unknown company, Selene Finance LP, has initiated their demands for a payment of over {$30000.00} on the account, also stating they are legally authorized to do so. 

Selene Finance LP has also failed to provide : *promissory note *security deed *registered assignment Further research showed that Selene Finance LP is not listed on the registered assignment with XXXX County property registry . 

Further research showed that XXXX and Selene Finance LP have involved in multiple class action lawsuits, CFPB investigation and debt collection fraud cases. 

Please investigate. 


PS : upon recent search history of XXXX County, XXXX NY registry on the property, Selene Finance LP is not a registered party and has no right to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: Monterey Financial Services LLC
State: ID

Complaint narrative:
I took took a medical loan through Monterey Financial Services ( MFS ) approximately in XXXX of XXXX. The total loan was for {$2200.00}. The payments that I can currently prove I made to XXXX {$1900.00}. 

XXXX is illegally reporting my loan information. XXXX has XXXX entry on my credit report stating that my last last payment made on the account was XXXX/XXXX/XXXX. I made the following payments after XXXX : Date Amount Transaction Description XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$600.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$120.00} XXXX XXXX XXXX CA *I believe I made XXXX additional payments between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, but waiting for credit card statements. 

XXXX illegally added a second untrue, derogatory entry to my report stating that I have an additional collection account with a past due amount of {$4200.00}. XXXX further stated that I was placed in collections on XXXX/XXXX/XXXX due to non payment. 

Both of the entries XXXX made on my credit report are inaccurate and fraudulent. I have tried to fix this issue with XXXX over the phone, in writing and most recently through XXXX, with no resolution. 

As a result of XXXX fraudulent entries on my credit report, I was denied a job working at XXXX Technology that required XXXX XXXX XXXX. I will be able to obtain an Affidavit from the hiring XXXX, where she specifically called out XXXX ' derogatory entries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My XXXX report lists a collection from XXXX, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are significant problems with the way Equifax operates. First, Equifax 's website prevents you from obtaining a copy of your credit report. I had to try over 5 times to access the site and it kept telling me in a pop up that my information did not match their records. I did not have this problem when obtaining my credit reports from XXXX or XXXX. Then, after I finally reviewed my report, Equifax made it almost impossible to file a dispute. Again, I had to attempt access to their site over 7 times. When I got to the dispute part, the dispute page was so limited that I was unable to register all of my disputes. I had to file XXXX disputes. And still, it did not give me an option to inform the agency that there were many unauthorized inquiries into my credit. It does n't end there. When I heard from Equifax by email that they have addressed my dispute, the link to access the resolution kept on telling me that my information is wrong and therefore I ca n't access their resolution of my disputes. This is Equifax 's way of denying you the information you have a right to have. Today, I tried over XXXX times to access the resolution report. I did NOT put in my information incorrectly XXXX times. I am still unable to access the report and Equifax says that it is not going to be available too long. Equifax should be denied providing credit reporting services. Please investigate this ; others MUST have the same complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Remove from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: DriveTime
State: CA

Complaint narrative:
I bought a car from Drivetime, the sticker price was at XXXX ended up with a XXXX, in the end after all payments are made I would have paid them {$27000.00}, I notice after two years I am getting charge a daily interest rate of {$5.00}, its making it impossible to bring balance down I tried refinancing the vehicle, but its only worth XXXX, no one will refinance the car because of what the car is worth, the car is just below the sticker price now, at {$12000.00}, I have called them several times to give me a lower interest rate the current rate is 15.9, I would like them to lower so I can pay off this debt, but they will not work with me, I have made all my payment on time so far and still they will not budge

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a secured card with Citibank, during the application process, I never supplied a security word, when I received my card and called to try to activate it, they asked me to validate my identity using this security word I never setup, then they said to provide them with a phone number linked to my name, I did just that and they still refused to give me access to my account, then they asked for a relative phone number, I provided that and again they told me it is an unverified number. I offered to provide my SSN, driver license, address, a list of relatives they can call to confirm who I am, but they refused so I asked to close my account and they said they can not and refuse to do so until the account gets verified, so they are pretty much stealing my money and telling me that I cant have it back.

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 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
I have sent 2 certified letters to Hunter Warfield asking for " Validation '' of the {$780.00} debt they claim I owe. They did not respond to the first letter I sent in XXXX XXXX. I then followed up with another certified letter on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a letter stating they had sent me verification and had no duty to send me any additional information again. 

I am sending another letter tomorrow, XXXX XXXX XXXX requesting the verification ; however, they are clearly in violation of the Fair Credit Reporting Act. I am asking them to DELETE the account immediately. This is NOT my debt and they can not prove that it is.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation