vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX has an inquiry on my credit report from XXXX of XXXX, and after speaking with the bank they confirmed they did not access my credit profile because I had a security freeze on my profile at that time. I contacted Experian on XX/XX/XXXX at XXXX XXXX Arizona time, to inform them that this inquiry is incorrect and should not be on my credit profile. I spoke with a manager by the name of XXXX who stated they are refusing to file a dispute regardless of the fact that I did not give permission for this inquiry. I informed him that I would file a complaint and that they are violating my consumer rights and he stated he was aware of that and that I was free to proceed with the complaint.

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 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This card thru Barclays was opened sometime in 2014 and was the result of identity theft.the individual who did it opened it on Colorado or wyoming  where I do not live or ever lived.provoded them with proof I didn't live in cities or state card was opened and proof of residency etc.they have illegallyi kept this debt on my XXXX credit report .my ss # ends in 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 2019-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: MS

Complaint narrative:
This was a payday loan from XXXX XXXX and the original amount that I borrowed was for {$400.00}. I was unable to pay the loan off because I lost my job. XXXX XXXX sent this debt collection to AD Astra Recovery Service, Inc. I have sent a debt validation letter to them on XX/XX/2019 to provide proof that I owe {$900.00}. As of today, they have not responded to my request. This is a violation of the Fair Debt Collection Practices Act ( FCDPA ). Also, we have payday loan laws in Mississippi and Alabama and AD Astra Recovery Service , Inc. is charging illegal collection and interest charges on this alleged debt. When I spoke to a CSR on the phone about this alleged debt and curse me and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I received notice that a delinquency was reported to XXXX on my auto loan. I purchased a vehicle on XX/XX/XXXX, it was financed through Ally Financial at the dealership. I later refinanced with my bank XXXX XXXX XXXX. Multiple times since refinancing I received letters from XXXX stating that they had not yet received the title and I was at risk of default. The first two times I called and explained it was a refinance and they should receive the title from Ally and I was told to ignore the letter. The third time they looked into it and discovered that the payoff to Ally was {$10.00} short so they wrote a {$10.00} check to Ally to settle the account. The next thing I heard was the delinquency report on XX/XX/XXXX stating that the account was 60 days past due with a {$10.00} balance. I immediately filed a dispute with XXXX and then called XXXX. We ended up on a three way call with Ally where it was discovered that Ally processed the payoff incorrectly and was trying to claim that I still owed a car payment, which was not the case. By the end of the call, Ally essentially admitted fault and cleared the account. They also stated that they would remove the incorrect report to XXXX. When I got my results from XXXX they stated that the delinquency was verified to be accurate. They did show that the account has since been settled but they still did not put my credit score back to where it was because of the incorrect report. 

I am also including XXXX in this complaint because I called three times and they did not look into it at all until the third call. This could have been avoided if they would have taken care of it the first time I called. In addition they were the ones who wrote the initial check in the wrong amount, causing the entire issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was in loan rehabilitation for a student loan. Around late XX/XX/2019, I successfully rehabilitated my defaulted loan and it was transferred to Nelnet within the following days. 
My last balance from the previous loan collector was at {$1500.00}. After the change over to Nelnet, the balance went up to {$2100.00}. On XX/XX/19 around XXXX ( central ), I talked to a Nelnet representative. Nelnet gave me a vague answer stating a 20 % increase happens when loans come out of default. The new balance is more than a 20 % increase. The Nelnet rep could not offer any other reason why my balanced increased. 

The previous loan collector was XXXX XXXX XXXX ( XXXX ) and Nelnet is the new collector. 

I have included the last notice from XXXX showing the balance they had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Dear Sir or Mam, I don't know were to begin but I lost my wallet in 1999 when I was XXXX XXXX XXXX. From then on I have had calls, messages left on landline answering machines, and now cell phones. I even got XXXX one time and the police started XXXX when they looked at me because they said " You were suppose to be an XXXX XXXX XXXX ''. They showed me a XXXX state Identification Card with all of my stuff on it name, address, date of birth, etc ... but a picture of her with green contacts in because I have green eyes. I can not figure out any of this or what her name is because technically she is me. I have all these accounts on 3 different credit bureaus and the debt collectors will not give me any information because I don't have the account numbers or passwords to the account. I try telling them this is Identity theft and it does not matter. I don't know where to start there are too many companies, too many monies owed, and way to many dates started back in 1999. Please help me with this. I'm XXXX XXXX XXXX now and my father still has to co-sign or help me out. Also, I can not open a bank account because whoever this women is did something bad with checks and they run your name through a company called XXXX   XXXX. My name is XXXX XXXX XXXX and I can be reached at ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX ( XXXX XXXX ) listed a used unlocked XXXX XXXX XXXX XXXX for sale at {$55.00} with {$5.00} shipping but waived shipping if I paid through square cash app using debit card. I paid {$50.00} through cash app on XX/XX/XXXX but still have not received the item and seller is not responsive. He even blocked me from requesting a refund through cash app on XX/XX/XXXX. I have tried to contact him but to no avail. I have filed a complaint through Cash app and XXXX XXXX and am awaiting a refund for non receipt of merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: First Data Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX, I receive a call that displayed as from XXXX XXXX XXXX. The caller identified himself as from XXXX XXXX XXXX. He explained that my card was showing suspicious activity and wanted to know if I had lost my card. I told him no it was still in my possession. He said he needed to put a stop on my account and would issue me a new card. He needed to confirm my pin and would send out a new card within 24 hours. 
After the conversation, I immediately called back the number that had called me and I received the XXXX XXXX XXXX recording, so I felt the call was legitimate. 
The next morning I received a notification that my account had dropped below {$20.00}. I immediately logged onto my account and found that {$500.00} had been removed from my account via ATM in XXXX, Florida. 
I immediately called to report what happened and was told I would receive paperwork to complete in 3-5 days. On the 5th day I called to ask why I had not received the paperwork and was told I had not given them enough time. I went out of town the following week and when I returned I had the paperwork but the deadline to return it had passed. So when I contacted them back they said my claim was denied, so I appealed, with a appeal letter and all the information they requested. I the called to make sure they received everything. They did. I was told it would take 45-90 days for an investigation and for me to call back for updates. I called back about once a month, and each time I was told The was nothing to report, call back. After the 90 days I started calling more often. Every time I was told there was no updates they was sending an message to the appeal department and call back in 72 hrs. I have been doing this since XX/XX/XXXX. When I called in XX/XX/XXXX I was told they had been trying to contact me for a week, calling everyday. I had received no calls and had no messages. Now I was told to hang up and wait for them to call and make sure i answered. I made sure they had the phone number correct. I waited 5 more days and called back. When they looked me up this time I was put on hold then told I needed to fax my letter of appeal and information in again. You can imagine my response and I ask them to repeat because they are hard to understand and I thought I had heard wrong. No they said they did not have my information. I ask them why it took 6 months for them to tell me that and they said they couldnt tell me, they just didnt. 

This is a card provided to me by my employer and my paycheck is deposited by weekly. It is a visa and is used every where. 
I have refaxed all the information again Saturday XX/XX/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 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Card was opened sometime in 2014 later found out there was an individual in Colorado that had a fake copy if my SS card and a do with my name .This account was opened along with many others.I already sent this company a copy of policy report and proof of residency .I live in Texas.do NOT live I Colorado   or who where accounts were opened.already sent this company proof of residency for 4 years a year ago.this is hurting my credit.this is their fault.i was a victim of Id theft. My ss # ends in 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 2019-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
This was a payday loan from Speedy Cash and the original amount that I borrowed was for {$400.00}. I was unable to pay the loan off because I lost my job. Speedy Cash sent this debt collection to XXXX XXXX XXXX XXXX, XXXX. I have sent a debt validation letter to them on XX/XX/2019 to provide proof that I owe {$900.00}. As of today, they have not responded to my request. This is a violation of the Fair Debt Collection Practices Act ( FCDPA ). Also, we have payday loan laws in Mississippi and Alabama and XXXX XXXX XXXX XXXX , XXXX is charging illegal collection and interest charges on this alleged debt. When I spoke to a CSR on the phone about this alleged debt and curse me and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
The Mini Van was reported stolen to the Police but resolved that it was retrieve by Ally Financial as repossess without notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IA

Complaint narrative:
I had an existing loan with One Main Financial and decided to refinance the loan. I went in to the office on XX/XX/2019 to sign the final paperwork and during that time, XXXX ( my loan officer ) mentioned to me that I would have a refund coming to me for the unused portion of my insurance that had been paid on my previous loan and that I would be receiving that in the mail. I did not receive the check in the mail so I called XXXX on XX/XX/XXXX to see if he could call the insurance company. I was worried that maybe it had been lost or stolen. He said he would call me back. He never did so the following Tuesday I called and the manager answered and said XXXX was busy. I explained what had happened and he seemed very aware of the conversation I had with XXXX. He told me things had changed and they were no longer refunding the money. I told him that was not what XXXX had said to me and the papers I had signed did not reflect this. He said he was going to check into this and call me back and never did. On XX/XX/XXXX I sent an email to " One Main Support '' and received a reply the next day which said " Your message has been forwarded to our Executive Office of Customer Care ''. I don't understand why it is so difficult to get an answer from this company. Also, if I am not entitled to this refund why did XXXX tell me I would be receiving it? And I would like them to come up with a document ( with my signature ) saying that I am not entitled to the money. I don't think that is asking too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, XXXX XXXX I, XXXX XXXX, XXXX XXXX, and Huntington N.would like to address this immediately and get these negative hard inquiries removed from my credit report as soon as possible please and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XXXX XX/XX/XXXX I received alerts that this collections company " Capio Partners LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, tel XXXX '' placed an entry on my XXXX and XXXX credit report for the amount of {$91.00}. Because I did not recall receiving a letter or any type of communication from the company regarding the matter I contacted them and spoke with a representative regarding the debt. She advised it was the remaining unpaid balance of a hospital bill. She read the address to me and it was not the correct address, so I provided her with my correct address. I told her that what her company has done was illegal as it violates FDCPA law ( specifically section 809 ) because I was never given an opportunity to even review their claim of the debt owed, to research it on my own, or even dispute the amount because again, they sent the bill to the wrong address. So the representative asked me to hold and she comes back and says that her supervisor agreed to delete the entry from my credit report if I paid the debt since they acknowledged that they did in fact send the bill to the wrong address. I said that was not acceptable because it is still in violation of FDCPA law, I said no you must first remove the entry on my credit reports, send me an official bill/statement to my correct address, then allow me to exercise my rights as a consumer or pay the debt if it is in fact owed. She again said that I was incorrect, that they would only delete the entries if I paid the debt. I told her that she was wrong once again, I asked her to send me a copy of the bill, and then I advised her that I would be filing complaints with the XXXX and the CFPB because what theyve done is illegal. Then today when researching their company to file this complaint, I noticed in my personal email that I had communications with their company back in XX/XX/XXXX where I had them update my address and to send any further collections notices to my proper address. A lady by the name of XXXX XXXX acknowledged that I was correct and sent deletion notices to the credit bureaus and send me a letter indicating that she had in fact requested the deletions. They were deleted within a week I believe. I Feel that this company has a bad habit of placing entries on consumers credit reports with no regard for FDCPA laws. Additionally, by the representatives response of theyll delete it if I pay it was more of a bribe attempt in my view. Instead of her acknowledging that they did not follow the law with my particular debt they claim I owe, they wanted to extort monies from me first before I even had a chance to research to see if the debt was even owed. This is incredibly inappropriate for any company to do to a consumer in my view.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a private loan with Navient from XXXX - XXXX with for-profit college. have worked with them as long as i can but was unable to make payment. was on low interest catch up payment plan I could handle. trying to renew reduced interest repayment plan that was up in XXXX. was told ended in XXXX was told payment of XXXX would remain the same. XXXX bill comes as increase XXXX payment on auto draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit score dropped 38 points with XXXX on XX/XX/XXXX and 44 points with Transunion on XX/XX/XXXX. I am trying to rebuild my credit from a failed business venture. The only 2 things I did in the last 2 months is pay off a XXXX dollar balance owed on a credit card and paid XXXX on another. Nothing else has changed on my credit report. My scores were just at the minimum 580 to get a mortgage loan but now they are back at the 540 and 550 levels. I have done nothing except pay off debt. My scores should not have dropped like that for something that improves my credit and shows good payment history. I think the credit reporting agency 's are mishandling my credit which is keeping me from moving forward with my credit progress.

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 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please have them remove XXXX XXXX XXXX was my file. This is not my debt. It keeps appearing on my file under different names. Please help, I am a senior citizen and keeps track of my reports.

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 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please have them remove XXXX XXXX XXXX from my credit file. Im a senior citizen and it bothers me to see that this has happened. Its not fair to the consumer when this happens. I reach out to you because resources are limited. It keeps appearing under many different names and I have to keep writing to 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 non-monetary relief
Consumer complaint received 2019-04-07 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: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit score dropped 38 points with Equifax on XX/XX/XXXX and 44 points with XXXX on XX/XX/XXXX. I am trying to rebuild my credit from a failed business venture. The only 2 things I did in the last 2 months is pay off a XXXX dollar balance owed on a credit card and paid XXXX on another. Nothing else has changed on my credit report. My scores were just at the minimum XXXX to get a mortgage loan but now they are back at the XXXX and XXXX levels. I have done nothing except pay off debt. My scores should not have dropped like that for something that improves my credit and shows good payment history. I think the credit reporting agency 's are mishandling my credit which is keeping me from moving forward with my credit progress.

Company response to consumer: Closed with explanation