vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
XXXX contracted a third party debt collector named ACSI to debit my account in the amount of {$1200.00} on XX/XX/20 claiming a lease payment agreement. I disputed with my bank the following Monday because I never authorized this transaction. Also I am no longer a XXXX customer. The bank notified me stating XXXX claimed I never returned the devices and I signed a contract. This was a lie, I located emails showing I returned the devices and that the company that debited my account is a third party debt collector posing as XXXX. I never got anywhere with the bank because although I provided supporting documents and complained with the State they came back and reversed the credit. I had no knowledge at the time of what was about to take place nor did I authorize this amount of money to come out of my account. I have suffered hardship due to this fraudulent act.

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 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: UT

Complaint narrative:
They withdrew the {$85.00} for XXXX payment on the XXXX of XXXX, Sent me a letter stating they had not received payment around XX/XX/XXXX. On XXXX statement they then said they received the payment on XX/XX/XXXX but had charged me extra interest of {$2.00}. I have been fighting with them to get this corrected with no avail. I have stated repeatedly i will only talk to their legal department at this point and they continue to call me. What has been committed here is both Fraud and breach of Contract so I  refuse to pay any more on this loan do to the lack of listening and harassment of phone calls late at night on weekdays and early mornings on Weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: NV

Complaint narrative:
I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXX Loan-opened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}

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 2020-03-24 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: NV

Complaint narrative:
I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXX XXXXopened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}

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 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX have failed to validate debts that they have reported to the three major credit bureaus. Yet they have not removed this erroneous, unvalidated debts from my Credit reports. Because of this, there has been highly negative impact to my personal credit report. 

On the XXXX of XXXX I contacted XXXX XXXX through certified mail requesting the following to information in an attempt to validate collection accounts What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : To date this is my second correspondence with PRA and they have yet to respond with anything substantial that validates the debt and allows them to keep reporting erroneous information Accounts reported XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 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: FL

Complaint narrative:
A XXXX XXXX ACCOUNT WAS PLACED ON MY XXXX, XXXX  AND TRANSUNION CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, XXXX, XXXX  & TRANSUNION CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.

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 2020-03-24 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: FL

Complaint narrative:
A XXXX XXXX ACCOUNT WAS PLACED ON MY XXXX, EQUIFAX AND XXXX  CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, XXXX, EQUIFAX & XXXX   CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
Ditech financials processed loan payment on XX/XX/2020, 17 days after they were not to not take any payments, whereas XXXX dba XXXX XXXX, was to process payments effective XX/XX/2020. 

Called XXXX/XXXX after not being able to send secure email as advertised, therefore am really concerned with this loan servicer ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
An unauthorized inquiry that I did not request was placed on my credit report on XX/XX/XXXX from a merchant Navy Federal Credit Union. This merchant was placed in a Chapter XXXX I filed on XX/XX/XXXX. I believe merchant is continually looking into my credit file after the discharge on XX/XX/XXXX. I am requesting an investigation into this matter. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive tried to mitigate this credit reporting problem with both Experian and XXXX  in a civil manner. They are inaccurately showing an unverified bankruptcy public record on my file. Ive disputed this record several times and received back the generic a third party ( XXXX ) have certified this is accurate/verified. Well I reached out to XXXX and disputed this public record with them and they were unable to verify it and removed it immediately! These credit reporting agencies have made my life a living 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 2020-03-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I submitted a certified letter to XXXX XXXX XXXX ( XXXX ) requesting they verify the information they are reporting on my credit report as they believe is true. 

On XX/XX/2020 the letter was returned as undeliverable to the address in which was provided on my credit report. 

On XX/XX/2020 a certified letter was sent to Equifax disputing the false information in which XXXX XXXX XXXX is reporting to Equifax on my credit report along with a photo copy in of the undeliverable returned mail in which i tried to reach to the company requesting more information about the debt they claim to mine. I asked that Equifax remove this claim due to the inaccuracies of this company reporting a false address. Equifax denied the information reporting on my credit report was accurate, which will be provided below. 

On XX/XX/2020 another certified letter was sent to Equifax disputing the same information asking them to delete the false Collection due to inaccuries and once again Equifax stated they could not found the collection on my credit file. XXXX is the same Company as XXXX XXXX XXXX but they claim Via XXXX or XXXX XXXX XXXX could not be found on my credit report each time I have disputed this information twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL, INC.
State: AZ

Complaint narrative:
In XXXX, I was informed that because of my prior service in the military, if I pay {$5.00} per month for 12 months, the loan would be forgiven. I paid that {$5.00} per month until XX/XX/XXXX and never lost my federal refund or heard anything from them until XX/XX/XXXX when my federal income tax was taken. I finally received a payment/financial history on XX/XX/XXXX detailing how all funds paid were directed toward the interest and never to principal, including the taken tax refunds. The payments either was applied to interest or fees, leaving the principal to remain stagnant and collect more interest. This is about as dishonest as you can get and I am very disappointed that the same government that I was putting my life on the line to defend would show their appreciation by continuing to gouge and manipulate veterans.

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 2020-03-24 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: MI

Complaint narrative:
Ive tried to mitigate this credit reporting problem with both XXXX  and Transunion in a civil manner. They are inaccurately showing an unverified bankruptcy public record on my file. Ive disputed this record several times and received back the generic a third party ( XXXX ) have certified this is accurate/verified. Well I reached out to XXXX and disputed this public record with them and they were unable to verify it and removed it immediately! These credit reporting agencies have made my life a living 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 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
I contacted A-1 Collection Agency, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX on XX/XX/2020. They Did not send me a letter within five days of collectors initial communication including the amount of the debt, name of the creditor, and notice of my right to dispute the debt within 30 days. The collection agency sent me the following payment plan information and not any other information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors
State: NV

Complaint narrative:
National Business Factor has a collection submitted from XXXX XXXX XXXX XXXX. I have paid all bills with XXXX XXXX. On XX/XX/20 I confirmed with XXXX at the XXXX XXXX Financial office that I have paid all bills with XXXX XXXX. National Business keeps increasing the amount owed every two weeks which is harassment over erroneous collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal credit sent deceptive emails which stated 1. Payments were applied 2. Availability of credit, but I am unable to utilize any.

3. Refusing to apply payments 4. Intentional miscalculation of available credit in an amount that exceeds credit limit preventing me from ever utilizing PayPal Credit 5. Failure to allow other payment methods when checking out. And still declining my transactions.

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 2020-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In the later part of 2019, Citi Bank advertised a promotional cash bonus of {$700.00} for any person to open a Citi Priority savings account with a Citi Priority checking account, with an initial cash deposit of {$50000.00} and maintaining that deposit for a period of 60 days. 
Based on this solicitation, we opened a Citi Priority checking account and a Citi Priority savings account on XX/XX/2019 with an initial funding of {$50000.00} and maintained that cash deposit continuously in our accounts through XX/XX/2019. 
To date, Citi Bank has not followed through with the cash bonus of {$700.00} as promised in their original solicitation. 
We contacted Citi Bank a number of times on this issue, to no avail.

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 2020-03-24 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: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a {$180.00} round trip to XXXX, CO from XXXX, TX through XXXX XXXX that was scheduled to fly on XX/XX/XXXX through PayPal. I received a confirmation email for my flight saying that tickets would be sent at a later date. However, on XX/XX/XXXX I was sent a notification from PayPal stating that my payment was being held due to some government regulations ( I suspected it was due to the coronavirus ). Since PayPal held my payment, XXXX XXXX cancelled my flight because they did not receive their payment. I was okay with this at first. It turns out that on XX/XX/XXXX, the full {$180.00} was debited from my account and sent to XXXX XXXX anyways AFTER they had cancelled my trip. THAT IS NOT A FAIR TRANSACTION. I opened a case with PayPal but they have been taking forever to reach out back to me to receive a full refund which i believe is perfectly warranted, and by now my bank has already charged me a {$34.00} overdraft fee. Even if I receive a full refund now, I'd still be losing money. Tell me how that makes any sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: ID Analytics, Inc.
State: AZ

Complaint narrative:
I have contacted and disputed incorrect personal information in my consumer disclosure file with SageStream. I have called them repeatedly but they don't answer the phone and do NOT return calls. 
Dispute letters sent on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ) and again on XX/XX/XXXX ( certified mail XXXX XXXX XXXX XXXX XXXX ). 
Most recent letter was received on XX/XX/XXXX giving them, by law, 30days to XX/XX/XXXX. 

To date, I have not received a resolution or response to this dispute letter. At this point, by law, they are past time to show verification or proof information on record. These disputed incorrect items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OR

Complaint narrative:
I checked my credit report and on XX/XX/2020 I was put into collections from Enhanced Recovery Company, their number is XXXX XXXX XXXX, They are trying to collect a debt from XXXX-XXXX, this debt is way over the statute of limitations and I have not received any correspondence about this debt. I am a XXXX veteran and a XXXX XXXX XXXX, I need loans to help me get through the COVID-19 emergency and they have jeopardized my livelihood as well as my XXXX XXXX with their shady business practices. They fraudulently submitted a collection to the credit reporting bureaus and they have not even attempted to reach out to me. After 11 years this is outrageous and this shouldnt be allowed, I am considering taking my own legal action for potential losses they have caused to my XXXX  for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: MN

Complaint narrative:
Initial request gave an incorrect interest rate. I am currently paying an unbelievable interest rate. My loan details are as follows : Account Type Installment Loan Original Annual Percentage Rate ( APR ) 98.90 % Original Term 72 Months Contract Date XX/XX/XXXX Current Maturity Date XX/XX/XXXX Current Interest Rate 93.50 % Current Payment Amount {$410.00} Current Payment Frequency Monthly Amount Financed {$5000.00} Outstanding Principal Balance {$4800.00} Accrued Interest {$510.00} Unpaid Fees {$270.00} Total Outstanding* {$5600.00} I have been paying for over a year on this loan and now owe more than what the original loan was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
A new mortgage company, Shellpoint Mortgage Servicing recently took over my home loan from the previous lender, XXXX, which recently went into bankruptcy. Neither XXXX or Shellpoint ever sent any letters, binders, payment information, or any other type of notifications. All information I obtained was through researching Shellpoint was through another " New Rez '' company that informed me that they were a debt collection agency and I had an outstanding balance of over {$8200.00}. I paid this amount fearing this new loan company would foreclose on my loan, however, there were many " late '' and other unexplained fees. Upon multiple requests to speak to a manager, they denied the requests and refused to assist in explaining how it was legal, ethical or in good faith to charge fees for anything without explaining what the fees were for. 

I received a letter on XX/XX/20 that was dated XX/XX/20 saying there was a negative balance. I have since tried multiple times to contact this company for assistance without reply. This is an unfair delinquency as I have had the funds for months but did not have any information sent to me as to the handling of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation