vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT

Complaint narrative:
Someone stole my identity and got a loan with a company called Cash Central. They've been trying to collect it for over 5 years. I've sent documents related to the identity theft four times now and they still are trying to collect. It keeps getting sold off to other debt collection agencies and they keep trying to collect this debt.

I will no longer keep sending documents when when I have done it so many times. I believe the original date was 2015 and approximately {$2000.00}. I did not receive any funds from this company and I will not pay them or any of the five collection agencies that have contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
On XX/XX/2020 I received two letters from TD Bank stating my accounts with them were dormant. The letters directed me to call them or to go to a branch in order to receive the money on my accounts. I live hours away from the nearest branch. Upon calling the bank, I was placed on a 29-minute hold. The telephone representative was unable to provide me access to my money, even after accessing my credit file and asking me verification questions. She told me the bank could not grant me access to my money, and the bank would not mail a check to me. I asked her if I would need to file a complaint with the government in order for me to receive my money. She didn't seem to care. It appears, in cases such as mine, this bank 's policy is to hold its customers ' money unlawfully. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: NC

Complaint narrative:
Experian says my credit score is unavailable, however, they did let me see my report and dispute three potentially negative postings. I felt bullied into signing up for their monthly " credit monitoring '' service and now they will not cancel it despite numerous communications to do so. 
XXXX XXXX is even worse, they won't let me see my report and demand the same scam ; " sign up '' for our program or no dice. 
I haven't even bothered with XXXX  given their recent issues with being hacked and just expect the same treatment from them. 
If these behaviors by these companies is legal it is just barely so. 
It is ethically and morally offensive. 
Consumers are tired of being scammed!

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 2020-06-03 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: DC

Complaint narrative:
I have experienced several issues with Equifax several different occasions ( 1 ) I never received any future information about the data breach since I submitted my claim over the past two years and I have contacted them several times. Complaint ( 2 ) Equifax is not reporting proper information regarding my credit report On XX/XX/2020 my credit union reported to balances that had decreased from my auto Loan and a signature loan my total debt has decreased and Equifax has dropped my credit score because this I checked my XXXX  and XXXX  my credit score increased I check all three credit reports daily Im not understanding what happened with Equifax. I talk with a supervisor and she states that they use a certain method to calculate scores and I can not dispute the information that is negative reporting to effect my credit please assist me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX physician sold accounts to 2 different collection agency same accounts with different amounts ... Inaccurate information being reported..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my current credit report as of today XX/XX/2020 through XXXX. I've notice that the following accounts are in continuously reporting of violation of FCRA rules section 1681. Of multiple inaccuracies and inconsistency.

: Account under the name : ( XXXX XXXX XXXX ), Original creditor ( XXXX XXXX XXXX  ) violations for not reporting consistently. Nither XXXX  or XXXX  reports this account. Unverifiable Account, & must be removed in addition furnisher must be blocked from future reporting. As per section 1681 of FCRA and Section 809b of the FDCPA.

Account under the name ; ( XXXX XXXX ). This account doesn't look familiar. I am not saying Account is fraudulent but I do not recognize this account. And Creditor can not accurately validate Account. A violation of FCRA rules section 1681.

Account under the ( XXXX  ) this account is currently reporting inconsistently. Account does not appear to be reporting on either XXXX  or XXXX  this is a violation of FCRA rules section 1681. 

Account under the name ( XXXX XXXX XXXX ). Account balance & credit limit is inconsistent and inaccurate. Violation of FCRA rules.

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 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: AR

Complaint narrative:
Ive been keeping a close eye on my credit report through XXXX XXXX and various apps. XXXX   notified me of a account in collections that I never received any communication about. The debt information was dated back in XX/XX/2020. To my knowledge that debt is over 5 years which is time barred. Also XXXX XXXX XXXX wrote the debt off the following year. I believe AFNI is doing illegal tactics by not sending any notice to the consumer in writing and reporting time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: V and H Portfolio
State: NJ

Complaint narrative:
I've sent a letter for validation back on XX/XX/XXXX. I was not sent all of the items to confirm validation. 

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX XXXX XXXX ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX  AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX  XXXX  XXXX  ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX XXXX XXXX ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX  AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD

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 2020-06-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax did not properly investigate my XXXX account. It still shows as me having a late payment and I was never late. 

Equifax did not properly investigate my XXXX XXXX Account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX XXXX Account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my Us Dept of Education account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report and have Duplicate accounts. 

Equifax did not properly investigate my XXXX account. I never a had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had a Capital One credit card that I had as a teenager, maxed it out, and never payed it off. Now as an adult, I wanted to right that wrong. I called Capital One on XX/XX/2020 to pay in full. After giving a representative my debit card info and ending the call, I checked to see that the charge went through. The card was finally paid off. Learning that Pay For Delete is not a helpful practice, to I started disputes with the credit bureaus to have the overdue amount removed. Now today, XX/XX/2020, through XXXX dispute, they have not deleted what I paid in full, and continues to hurt my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am in the process of buying a home, so when the home loan officer ran my application and asked for my credit report from equifax, equifax would not release it because they said that my social security belongs to someone else. I faxed over documents to prove its mine : social security card, birth certificate, passport, Drivers License, w-2, and paystubs. I faxed them over XX/XX/2020. Then to be safe I also mailed them in on XX/XX/2020. 

I have called everyday to see if they received them and they keep saying no.

When I asked what number to fax it to, I got 2 numbers from their representatives, and if you XXXX Equifax theres endless numbers on their website. 
Same for addresses. There are about 4 different addresses.

I made sure i faxed it and mailed it to the right ones and I am still in the blind because they wont say they received them until they are done processing them. They should have clear answers and just let me know they received them and are working on it.

Its been 2 weeks now, I found out about the misinformation on XX/XX/2020 and nothing has been fixed. I am trying to buy a home and can not proceed until this is resolved. 

The other 2 credit companies ( XXXX  and XXXX ) have no issues with my social security number belonging to me or my credit. They should all have the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
I've disputed with this company and sent a dispute letter on XX/XX/XXXX. What I got back is incomplete. Where is the HIPPA form, license to collect in my state, copy of the furnish of debt???

So again I will ask again : I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for.

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The first complaint, is that we called 2 weeks ago, and the company failed to add my wife to speak on this account.

Calling in today, she got the run around and got switched to 4 people. 

When she asked for a direct number for me to call back in on they would not provide her the direct number to the hardship department, only to a general number : XXXX XXXX XXXX The second complaint is that they have been unwilling to help us settle this account. For years we had to do auto debit without seeing our account because we couldn't gain online access. They finally restored that for us on XX/XX/XXXX. 

But company is refusing to work with a settlement offer, unwilling to help during a time of insolvency.

Chase I believe is also one of the banks that swooped in and took small business loan money making it impossible for her to apply for protection.

We need our account settled. Wife needs to be added for like the 100th time as authorized to speak on this account. 

This is crazy, a bunch of inept banking folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
DEPT OF ED/NAVIENT ACCOUNT STATES THAT IT WAS CLOSED BECAUSE IT WAS TRANSFERRED TO ANOTHER OFFICE. THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT HISTORY AS A DELIQUENT ACCOUNT. I AM UNABLE TO ESTABLISH CERTAIN CRITERIA BECAUSE OF IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I've sent a validation letter back on XX/XX/XXXX. I've received nothing but a snap shot of an account. I asked for the following below so I'm submitting another complaint. 


I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

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 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
No one was answering the phone to assist. I need to either edit the bank information for my friend in XXXX  or cancel the transaction but neither of them are there for the option. My money is already out from my bank and the bank acct number is not working for the international transaction. So I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to fix this problem with XXXX for almost a year they have been reporting this account on my file and violating the fair credit reporting act and debt collection act. I called the orginal creditor where it supposedly came from and talked to XXXX They do not have the orginal contract bearing my signature like I asked. So how can XXXX collect on this debt when the orginal creditors doesn't have a contract. I never recieved any letters giving me my right to dispute. Even though they said they did but refuses to give me the address they sent the letters to they will not work with me i have tried calling and everything but I got hung up on by one of their associates they are violating my right to dispute this information on my credit file. Experian also verified this information but I find it hard a company can verify without the proper documents that shows me they didn't do a proper investigation.

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 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: LA

Complaint narrative:
XXXX XXXX  XXXX  sold our loan to Sst. The company was closed bc it was ripping military families off. Now Sst is continuously ripping us off with high interest and fees. I have been paying large payments to pay the loan down and each month they come back with over {$200.00} in just fees and interest on top of a daily balance. Spoke with the company several times because theres no way we can pay the loan off if they are ripping us off on daily fees that wasnt discussed on top of a monthly interest fee. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Closed my account without a LEGIT reason. Pay my bill on time, not carrying a outstanding debt, and have not redeem my rewards points yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TN

Complaint narrative:
i have reached out to Transunion to fix this issue they have not fixed this matter yet.They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I get multiple calls a day every day, weekdays and weekends from Portfolio Recovery, who bought out our debt from another debt collection agency. I have dozens of numbers blocked through an app i had to download to try and stop the calls, but they use new ones every day. I sent a letter to the mailing address listed on the mail they send, asking for the constant calls to stop, but nothing has changed. I just keep blocking and saving the call logs.

Company response to consumer: Closed with non-monetary relief