vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Send Company a validation of debt communication XX/XX/2019,  certified. Did not receive validation of debt but did receive a communication XX/XX/2019 stating that 30 days was an insufficient amount time to properly investigate this dispute. Accordingly they would cease collection efforts, yet never delivered validation of debt continued to report to the 3 bureau 's and have yet to indicate consumers disputing of the debt. 
Numerous FDCPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nathan & Nathan, P.C.
State: GA

Complaint narrative:
This debt was given to Nathan and Nathan. I settled the debt in XXXX of 2018. Nathan and Nathan communicated with the original debtor ( XXXX XXXX ) the account was settled. XXXX XXXX has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.

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 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
PLEASE HELP!!! 
Two money transfers between XXXX  XXXX XXXX and XXXX XXXX using " XXXX '' application to PHONENUMBER ( XXXX ) XXXX as follow : 1 ) $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX . 
2- $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . 
Both were received at SunTrust Bank account for an individual named " XXXX '' we do not know his last name. 
My wife went to XXXX XXXX to find out who was the previous owner of her telephone line prior XX/XX/XXXX ( date she purchased that line ). They said, they could not provide that information to her ; even though she explained the emergency. 
She tried to call the people that sent texts to the prior owner. They answered " I don't know XXXX 's last name ''. 
We called SunTrust and they told us " Initiate a research with XXXX  XXXX XXXX '', I started the Dispute charge back. 
After 23 days of that investigation, I received a letter, telling me that they couldn't find the " recipient '' who " retained '' my money and " they consider this matter resolved ''. 
We are honest people that work 40 hours per week in order to get paid, not to get robed. We worked for that money and it is really frustrating thinking about the " recipient '' having fun with our funds. 
That person could be someone that is trained to run this type of fraud. My wife had that telephone number until XX/XX/XXXX and decided to change it to a new number because all messages were about " disgusting services ''. 
We really appreciate the time and help you can provide. 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 2019-03-12 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XX/XX/XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
Send Company a validation of debt communication XX/XX/2019, certified. Did not receive validation of debt but did receive a communication XX/XX/2019 stating that 30 days was an insufficient amount time to properly investigate this dispute. Accordingly they would cease collection efforts, yet never delivered validation of debt continued to report to the 3 bureau 's and have yet to indicate consumers disputing of the debt. 
Numerous FDCPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
This debt was given to XXXX XXXX XXXX. I settled the debt in XXXX of 2018. XXXX XXXX   XXXX communicated with the original debtor ( One Main ) the account was settled. One Main has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
Ar Resources Inc Opened XX/XX/2013 {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have been talking to this company on the phone regarding late payments, I have been corresponding with them every 2 weeks. I have even asked them if it was possible to lower my monthly payments which was promised to me from the actual dealership that i could get cheaper monthly payments after paying the car for 6 months ( which was supposed be a lease ), when we returned to the dealer to refinance they checked my credit 5 times and denied the option. They have threatened to repossess my car two times, and asked for a repo fee both times in order not to repossess my car, which amounted to about {$400.00}. I called the finance company trying to work with them and even spoke to a women ( who wouldn't give me her name ) who made a payment plan with me, she told me to make a payment of {$200.00} on XX/XX/2019, then after that we agreed I would make another payment of {$180.00} on XX/XX/2019, that was to be an automatic payment but i woke up to check my email and turns out they ended up taking out {$400.00}. When i called this morning XX/XX/2019 to ask why this was done the woman that i spoke to said that there was never a payment plan in place and that the agreement we made on XX/XX/2019, was never true. We try our best to make the payments we agreed to and after we make a payment they harass us by calling and demanding more money, They promise to help if we make the next payment and when we do they said they can't help. Also, my credit is being check frequently, without my knowledge, further lowering my score. My car cost XXXX, the interest is 23 %, after 2 years of payments ( over {$9000.00} ) we still owe {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XXXX SS 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 2019-03-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XXXX SS 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 non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: OR

Complaint narrative:
I borrowed XXXX for school at XXXX XXXX college, and they sent my student loan to collection agency without contacting me. The collection agency, ECMC, now wants XXXX. They are trying to garnish my wages, I am on food stamps and get utility assistance because the cost of living in the city of XXXX is so high. I am already well below the poverty line, this is predatory and unfair practices by ECMC

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 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for an American Express Gold Card on XX/XX/XXXX using a referral link from my friend. The advertisement promises a XXXX point sign-up bonus with qualified spending. 

When I finished the spending in time, I didn't receive the point, so I asked Amex about this problem on XX/XX/XXXX. However they told me that my sign-up offer was declined. They failed to give me a reason at that time and asked for a 10-15 business day period for investigation. 

I later on checked with Amex on XX/XX/XXXX about the investigation and they gave a reason : the bonus was declined because I have closed another credit card from Amex. And they told me that in terms and conditions they reserved the right to decline any reward that they promised. As a fact, this terms and condition is not obvious to customers. Nearly no one noticed it when applying the card. Especially comparing to the obvious large letters saying " XXXX bonus ''. 

When I asked Amex to return my annual fee and close my card, they refused. The reason is that they don't have access to the system and can not do it.

I'm considering it as a fake advertisement which hides complete information from customers. It also ask user to pay ( annual fee ) for something different from what they advertised. This behavior is extremely dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter that said I owe XXXX dollars to XXXX on XX/XX/2019, and the company collecting is Convergent. I do not owe anything and my XXXX account is in excellent standing. I have never owed XXXX any money before so this is a false debt.

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 2019-03-12 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Repeatedly tried to contact Southwest Credit Systems L.P. to verify a collection account on my XXXX, XXXX  and XXXX credit reports. I have not been provided any information on the account that is damaging my credit and ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2019-03-12 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I got a dispute on paypal ( case ID : XXXX ) currently on right now and its for a {$200.00} laptop that is inaccurately described and non-functional and comes w/o a charger ( which I had bought 3 chargers already and none worked ). Paypal wants me to ship this laptop back which would cost me out of pocket {$100.00}, that means in the end I won't get all of my money back, just under half! It wasn't my fault that the seller didn't describe the item as accurately as possible, I was expecting a fully working laptop and what I got is practically a huge paperweight. 

I am willing to ship the item back in the expense of the seller, not mine. if the seller gives me a return shipping, cool I'll send it out the door as soon as possible. other than that I will not spend another dime on this laptop. 

Why is the buyer practically being punished for something the seller failed to disclose. The seller should be the one taking the hit on this case but instead I am losing my money while the seller laughs as I have a miserable time trying to deal with this. 

I never thought this is how paypal 's " buyer protection program '' works. It's so ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I had called the company that I did not sign for a car and they told me that yes in 2015 I said no I dnt even drive I go in the bus every day all they said is that no u owe this ... ..so I am writing to dispute these collections account. Under the laws of FDCPA and under the advice of my attorney, I have already sent them a dispute to the agency requesting validation of the debt with no response, asking them to validating my debts, and the receipts showing that I send these letter certified signature requests. These debt are not mine and I was given no evidence of my obligation to pay this debt to this collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I paid a medical debt on my credit directly to XXXX XXXX XXXX. I have informed both XXXX XXXX XXXX of the payment as well as the 3rd party company Eastern Account Systems. I was promised removal of debt from my credit reports XXXX, XXXX  and XXXX upon payment. I want the negative remark removed from my credit because its damaging my ability to purchase a home and obtain new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.

Complaint narrative:
Due to the lack of responsibility and irresponsiveness of a Citibank 's staff, my student loan with Citibank missed the collection time limitation and the loan become " discharge ''. I lost track of my loan in XX/XX/XXXX when Citibank told me that my loan was transferred to another company. I have been chasing where my loan is since then. I finally got in touch with a lady of Citibank in late XX/XX/XXXX and knew that my loan was still with Citibank. Then I have been following up with her. I asked for the latest amount to write on the check since I have lost track of my loan for a long time and I don't know the amount on the latest statement. I have been sending emails with her since late XX/XX/XXXX and asking for the amount for many times and expressed many times that I want to make the payment as soon as I know the amount. Without telling me the amount to write on the check, she didnt tell me there is a collection time limitation either, which leads to the discharge of my loan. Now I got a XXXX with the principal amount and I have to file the tax soon. And I will have a bad credit record. I dont think I deserve such a result after chasing my loan with Citibank for such a long time. I have the email evidence to show all the efforts I made in the past several years to chase where my loan is and to ask for the amount in order to repay the loan as soon as possible. What I want is that the bank gives me a channel to repay all the principal and interests and the bank issue an updated XXXX form to me and to IRS. Thanks!

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 2019-03-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've gone to XXXX XXXX XXXX over the past four years to see my credit reports. I have no problem accessing my reports from XXXX  and XXXX. Each year I try to log-in to Exquifax it says I have to contact them via mail. I believe this is being done on purpose as they know most people don't want to go through the hassle of mailing forms etc. I would like to know if other consumers are having this issue. A recent XXXX XXXX XXXX article mentioned problems people were having with Exquifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: CA

Complaint narrative:
My information is bad

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 2019-03-12 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: DISCOVER BANK
State: CA

Complaint narrative:
My information is bad

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been trying to access my Credit Reports from XXXX, Experian and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same

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 2019-03-12 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: WA

Complaint narrative:
I have been trying to access my Credit Reports from Transunion, XXXX and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same

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