vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I got an installment loan with a company that provides water dispensers at the beginning of the year XX/XX/XXXX, I believe I was supposed to get the first month free and then start receiving a bill for the dispenser.I got the dispenser from a stand that was setup inside XXXX supermarket, I contacted XXXX and they informed me that the company was separate from XXXX itself. I never received a bill from the water dispenser company and when I asked the delivery driver who drops the water off for info about the dispenser, I was told he would put in a request and I should receive a call from them. I never got a call and then because of my wife being in the XXXX we were relocated, and moved from that address in XX/XX/XXXX. I did not realize until a few months later that something was added to collections on my credit. I called the company who owns the loan now and tried to explain the situation and they just wanted me to pay for the loan. I don't even understand how the dollar amount of the loan got to where it is now when I was never given a breakdown or any information on what the loan total would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2019 I was alerted to a Past Due notification from the FICO Credit Monitoring service for the above mention account. I called to dispute this information that was placed because the fact that I never applied or even applied for the Home Depot Store Credit Card. I was told that an investigation would be opened and looked into the matter. 30 days later I never received anything but was alerted once again about a Past Due payment this time a 60 day. I called and talked to the Fraud Department and was told that the investigation was closed due to the fact that I never disputed a single charge to the account. I replied that the whole account was fraud and that I never applied for the credit card. I was also made aware of a second Home Depot Store Card in my name. I was told that the authorized user that was on the account applied frequently using my information. I later spoke with the Fraud Department and was told that the account XXXX was deemed unsubstantiated for fraud because the person that opened the account was a family member and would have to handle it in civil court. They also stated that the account was opened fraudulently, but I was still liable. They reopened another investigation and as of the date of this letter it is in your recovery department. I received a letter dated XX/XX/2019  that deemed the account XXXX as unsubstantiated and now I am facing a 143 day past due violation. I was told by the Fraud Dept not to make any payments. The account was opened without my consent and I had no way to access the account because the mailing address, phone number, and email address was in my fathers name. I explained that my father passed away in XX/XX/XXXXand that if it wasnt for the fact that I had been alerted by the monitoring service I would never know that I had the account. I had no information regarding the account. My father opened an account with XXXX XXXX XXXX and I disputed that claim attached are the findings.

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 2019-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
So, my account was sold to another company, and Ditech Financial stated they mailed me a check for the overage on my escrow when sent me my end of year Financial Escrow Account Disclosure Statement, which was well after XXXX when I received it. I called them shortly after I received the statement in early XX/XX/2019 to find out where my check was and after waiting fifty nine minutes and thirty-six seconds I was finally able to speak to someone. She took my information and said she would send me out another check. Well, it now XX/XX/XXXX, and I still do not have a check ; however, what I do have is yet another Financial Escrow Account Disclosure Statement dated XX/XX/2019, stating a check was sent. I still do not have my overage check in the amount of {$140.00} that I have supposedly been sent twice now. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: CO

Complaint narrative:
Starting the XXXX of every month conns calls up to 12 times a day on two different phone numbers. The out standing payment of XXXX dollars and change is due on the XXXX. This calling keeps up until the day after the payment is made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Ditech misplaced a payment, in XXXX. In the meantime they charged me {$290.00} late fees over 7 months. But mind you my payments were paid on time each month. They credited me {$230.00} for these late fees. Where is my other {$64.00} that I was wrongfully charged? 
And due to Ditech thinking I was paying late each month, they took any additional principle paid and added it to interest. So they have managed to take over {$350.00} of my money that they did not have a right to. 
Another problem is they had my street address on my statements, and we do not get street mail delivery, but no one could try and find out why these statements were getting returned. So I got no notice of any thing. 
They have since sold my mortgage to some one else and I have no idea who because I have not gotten any notice. I asked them to email a copy and they have yet to do that. I do not know who to send my mortgage payments to. 
They refuse to do anything to help me and went so far as to have a supervisor hang up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting inquiries on my credit report that I did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have requested TransUnion to remove these inquiries on two separate occasions. I am requesting your assistance in having this incorrect information from my credit report as it is impacting my credit score. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with LVNV. I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. I want this tradeline removed from all 3 of  my credit reports along with a letter stating LVNV promises not to sell this account to anyone or try to collect on this invalidated account again. LVNV buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. Not only that, this debt has been re-aged and has been time-barred and has continuously been reported. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that LVNV needs to be thoroughly investigated for their illegal practices. If LVNV decides to sell this account or transfer it to another one of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit. I have never received anything from LVNV via mail or from their other companies who call ( Resurgent Capital Services ) etc. This is yet another violation of the FDCPA. Please remove this account from my credit reports and agree not to sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I called on Tuesday, XX/XX/2019 and requested a deferment ( XX/XX/2019 and XX/XX/2019 payments ) due to a financial hardship. I spoke to a lady and she read the deferment agreement and informed me of my pin number, XXXX, and informed me that I would be emailed a deferment acknowledgment and I need to acknowledge within 24 hours as the pin expires. 

I received the email on Wednesday, XX/XX/2019 and I completed the acknowledgement from my mobile device and I landed on the " Document Acknowledged '' page. 

On XX/XX/2019, I received an alert that GM reported my XX/XX/2019 payment late. I called on XX/XX/2019 to figure out why, and the representative stated that the deferment was abandoned. I was confused as I completed the acknowledgement on my phone and that is when she informed me that I couldn't use a mobile device. She said that she would have to reset it up. 

I received a new pin, XXXX, and I completed the acknowledgement again, this time, on my laptop. 

I am requesting my credit is updated to current as this is an UDAAP violation as I was not informed that I could not use a mobile device on XX/XX/2019, nor when I completed the acknowledgment on XX/XX/2019 was I notified that it was not successful, therefore, misleading me to believe I completed the deferment successfully. 

Please call me at XXXX or email me at XXXX to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: NC

Complaint narrative:
Transunion did not interview the originating company XXXX XXXX XXXX in XXXX, GA. The company was never contacted after I disputed the information. It is listed as a XXXX bill when this was a buy here pay here company. XXXX was able to verify this as not being a debt and removed it. XXXX XXXX didnt sell the car at auction and leased the car to another buyer. 
Trans Union also reduced my score by 115 points on my credit report within 30 days of having a XXXX score. Nothing was changed on my credit report. 
If you cant help me I will have to hire an attorney. Ive had false accounts removed from my report and it seems like that has occurred they are trying to punish me.

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 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Hi. I've been getting continues calls and letters from collection agency Radius global solutions for an old debt to XXXX which was included in a list of accounts on my credit record when I did credit repair about 3 or 4 years ago. I check my credit record often and I see no accounts on collection, my record simply appears clean in all 3 bureous, and I actually have a new account with XXXX already. That account is from around XX/XX/2012 or even before. 

I asked the person that helped me fixing my credit and he said they have no right to charge me or do anything anymore against me. So I need these people to stop calling me or sending those letters. 

XX/XX/XXXX Radius reference number XXXX CURRENT CREDITOR ; XXXX XXXX I, XXXX {$1100.00} I got another letter after that on XX/XX/XXXX offering me an option to pay the debt in 3 payments, for a total of XXXX, but as said before, I know my credit is clean and this is for a very old debt which was cleared from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
This collection is not mine nor do I have knowledge of this account. I requested for this account to present my signature for said account or delete the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NH

Complaint narrative:
I made partial payments 2 weeks early. Example : I owe {$1900.00} on XX/XX/XXXX. I overpay {$1100.00} on XX/XX/XXXX and another {$1100.00} on XXXX. This overpays by almost {$300.00}, and the early payment reduces my interest. 

They are not crediting my early payment, they hold it and say that I am late and they are threatening me now. 

I have given them {$59000.00} since XX/XX/XXXX. Normal payments would be {$7700.00}. 

I'm being cheated. 

I have called them on the phone and they said they would pass it along to mgt. Nothing yet. 

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 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I wanted to close my AAdvantage Aviator red master ( through Barcays company ). I called XX/XX/XXXX. I said I want to close my card, and could I have the balanace so I can pay it all off. I was told my balance was {$110.00}. I was told I had to call a different number to close the account, and I would need my checking account routing number so I could send in the payment ASAP. I went home ( I called from work ) I called back with my check routing number, I gave it and gave permission to send {$110.00} in to company. I then closed my card that same night. The amount was withdrawn from my checking XX/XX/XXXX. I got a letter in the mail, about a week or week & half later ( dated XX/XX/XXXX ) saying " as requested we closed your AAdvantage aviator red world master cardXX/XX/XXXX account. The balance on your account as of XX/XX/XXXX is {$210.00}. '' I was shocked. I called customer service ans spoke to 2 different people. One explained when I called on XX/XX/XXXX I was only given the XX/XX/XXXX balance. I asked " why would you only give me XX/XX/XXXX  balance when I was trying to close my card. I explained it was their mistake, and they said no it wasn't their fault and I only asked for XX/XX/XXXX balance ... .which I know isn't true. Nothing got resolved from that phone call. I then sent in a payment of XXXX for the remainder of the XXXX. It was withdrawn XX/XX/XXXX. So i thought I was done and paid my balance. Since then I have gotten 2 more bills for late fees that have incurred since my first XX/XX/XXXX attempt to close this account. I get phone calls from them sometimes 2x a day asking me to call them about my balance. My XX/XX/XXXX statement was for {$110.00} with a {$41.00} interest/late fee. I got a bill XX/XX/XXXX for {$150.00} with a {$39.00} late interest fee. my XX/XX/XXXX statement was {$44.00} where I had a {$1.00} interest charge but no late fee. I did just get an XX/XX/XXXX statement for {$73.00} with {$28.00} late/interest fees. I feel if I called XX/XX/XXXX, and they had given me my entire amount THEN, I would have paid off the balance in FULL, and not have gotten all of these late fees.

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 2019-04-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA)
State: NC

Complaint narrative:
On XX/XX/XXXX. XXXX ( presumably the date of service since this is the only thing I've been sick from. Turns out strawberry XXXX ) I had an XXXX  as an XXXX treatment for extreme stomach pain and the inability to eat or drink. I have good insurance and have not allowed anything to become delinquent or late or anything else. I check my credit through XXXX  XXXX weekly as maintaining good credit is very important to me and up until the following point I have zero collections zero negative anything period on any of my credit reports. Within the first 8 days of XX/XX/XXXX I checked my credit and found that my credit had a derogatory mark from receivable management group tagged with XXXX XXXX. I called XXXX radiology and was transfered to receivable management group. Where I was informed a XXXX dollar charge i had never been informed of was never paid out of thousands of dollars of services all of which had been paid, and was somehow seperate from the other charges and that I had accrued the debt had risen to XXXX. Insted of calling and asking to be paid XXXX XXXX sold the debt and once again instead of simply calling me so I could know that I had a simple small debt to pay receivable management group placed it on my credit as delinquent. I was never billed, never called, no letters, and the charge never showed up on mycharts which is how XXXX regional and affiliates communicate with patients including debts. I paid the XXXX to receivable management group with the agreement it would come off of my credit. The account is still on my credit to this day and still I have recieved no letters calls or any communication of any type concerning any debt or validation. My address has not changed in years nor has my phone number or email address. All of which XXXX XXXX system has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account was disputed and I was confirmation that the account would be removed from my account. However I checked my report and it's still reporting. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
The Telephone Consumer Protection Act of 1991 ( TCPA ) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. ... The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I'm being reported to XXXX by bank of America, I opened an account at XXXX XXXX on XX/XX/XXXX and then today XX/XX/XXXX XXXX closed my acct due to something being reported on my XX/XX/XXXX report from bank of America. I closed my bank of America account back in XX/XX/XXXX and has XXXX bal. I explained everything to XXXX but they said since I'm reported on ews then they have to close my acct that they opened few days ago. I spoke to bank of America and they said it XXXX balance. I really need help with this issue.

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