vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. I also contact comcast for the balance I had pay them before which was {$460.00} different than the one they reporting??? I also call XXXX on XX/XX/2019 and talk to XXXX about disputing it and she failed to submit my complaint ( please have XXXX address the failure she did have all my credentials, no excuses they can find her and address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
The regional finance in XXXX Texas and the person worked there at that time hit my daughter with door this was year 's ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I had a {$3700.00} loan with XXXX XXXX XXXX, at the time I was going through a divorce and could not make payments. This was turned into CACH credit, assuming sold to the CACH. I had a court hearing XX/XX/XXXX, in which CACH accepted {$500.00} to settle. My attorney gave CACH a check and I thought that was the end. In XXXX I went to purchase a home, yet this CACH was still on my credit report!! I contacted my attorney ( XXXX XXXX ) who contacted CACH and we found out that they never cashed the check, through my bank!!! My attorney explained that I was trying to purchase a home and this was effecting my credit. CACHs attorney that was handling my case had quit, yet I worked with XXXX  ( credit repair ) to try to take care of this, they wrote CACH a letter, then the letter was mailed back to my residence!! This still sits on my credit report as I tried to take care of this legally and with a credit repair. How and why is this fair to me???? I do not know what to do???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: GA

Complaint narrative:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block.  Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information  relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PayPal has put a limitation on my account, both my personal and business account. They requested information on my XXXX I submitted the information tried to transfer it to my debit card that i just used a couple of days prior. Then they blocked it again. This account has XXXX $ on it. Then my renters paid me through XXXX and that sent the money straight to my pay pal account for personal uses its XXXX. It has {$1500.00}. They will not release it either. I have submitted all documents and everyday they say it is going to be 24 hours. This has been going on since XX/XX/XXXX. This is crazy and ridiculous. I have called everyday and nothing has changed. They need to be penalized for this. I use the rental money to pay rent at my new place and I am about to be evicted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
Over the past few weeks we have received several robocalls from phone number XXXX. The recorded message says it is from XXXX and XXXX, that they are debt collectors,  and that we should call XXXX. The message does not give any indication of what this is about. We have no overdue bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-10-24 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: GA

Complaint narrative:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I made contact with this collection agency by phone and they refused to disclose the details of the alleged debt. In a recent phone conversation the implication from the IQ Data collection agent was that I knew that I owed this money to XXXX XXXX   and they didnt owe me an explanation. I asserted to the agent that under the law they did owe me an explanation. At that time he relented and provided a contact address to make a written request for the documents they are claiming to be proof of the debt. I also requested copies of any and all correspondence sent to me regarding disputing the debt prior to them reporting it to the credit bureaus. If they try to produce bogus correspondence, I will request that metadata be subpoenaed if I have to take this collection agency to court down the line. I know for fact that this collection agency NEVER contacted me about disputing the alleged debt prior to reporting it to collection. I never had the opportunity to fairly dispute this and thats a violation of the fair credit reporting act. 
I vacated the XXXX XXXX XX/XX/XXXX shortly thereafter IQ Data purchased this alleged debt and reported to the credit bureaus in XX/XX/XXXX. I was not contacted between XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX or IQ Data International. I have no idea what this alleged debt is. In recent months I have made verbal request for this information to no avail to both IQ Data and XXXX XXXX. I have made written request to XXXX XXXX. I mailed the attached letter today, XX/XX/XXXX to IQ Data International to the following address : XXXX XXXX XXXX, XXXX WA XXXX, the address I was given by the very rude condescending collection agent that told me he didnt care if my credit report was ruined by this false fraudulent reporting. This people are awful. Predatory, preying on low income people trying to extort them for money. Relying on the fact that most people dont know their rights and will simply pay. That will not happen here.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: GA

Complaint narrative:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
second request : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash change me so much fee over the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: GA

Complaint narrative:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2019-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have student loans with the University  of XXXX back in XXXX-XXXX, University  of XXXX from XXXX, XXXX XXXX university ( Parent Plus ) from XXXX-XXXX and XXXX-XXXX and XXXX university ( Parent Plus ) from XXXX-XXXX. 

Over the years I have not had the money to pay and what should be a principal amount under $ 150K in loans is now upwards of $ 650K which includes interest based on deferments and forbearance requests as I could never get Sallie Mae or Navient to get me on a repayment program that agreed to on the phone. 

I am currently repaying 1 of 2 loans ( one is mine ) and the other was cosigned by my wife as that was the only way I could get a consolidation loan even though my wife doesn't and can't work. I have asked to have her released off the note so that if I die she isn't responsible for $ XXXX in loans that isn't hers but they refuse. 

My current loan payment on loan XXXX is {$1700.00} per month which took almost a year to come up with after being told they could get me a payment of {$1000.00} per month. Had I not started paying this amount my loan would have started the default process in XX/XX/2019. 

What's worse is that loan XXXX has a balance of $ XXXX and I can only imagine what my payment will be on that when it comes out of forbearance. I had to use the forbearance as I  could not get navient to get my payment low enough to be able to pay both loans at the same time. 

I honestly don't know how I will ever get these paid off at an 8.5 % interest rate and don't have good enough credit to refinance so that I can get my wife off the loan. Who let 's someone use 20+ years of forbearance and deferment? It's like giving an alcoholic a drink each day after he finishes his alcoholics anonymous meeting. 

I was finally at the point in my life about 10 years ago that I could afford repayment but could never, ever get anyone to get me a repayment plan that I could afford. My attorney told me to just pay something ; however, if I didn't pay the full amount I would be in default. 

I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
*To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports XXXX in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INCfailed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX   is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I called Synchrony Back because I would not be able to make my payment on time. I signed up with them since XX/XX/XXXX and I have rarely missed a payment. AfterXX/XX/XXXX, I ended up having to call them every month. I would make payments but they would also charge me a late fee. If I called them every following month they would correct it but in XX/XX/XXXX they did not remove the payment and said it would have to go through a review process when I called them inXX/XX/XXXX. I was upset, so I canceled the card with only a XXXX late fee on my card. They said they would resolve it so I hoped for the best and now they are still charging the closed card late fees, which are now at {$99.00}. They want me to pay a portion to clear the card but {$0.00} of that {$99.00} is what I purchased with the card. Every time I try to explain this, they talk in circles about when various items were posted and I have to explain why that is not the case and revert to the late fees that were tacked on versus the ones which were removed. I do not have this issue with any other card and they only recently updated their late fee policy this XX/XX/XXXX. I truly believe it is a glitch in the automated software or in their customer service training but I do not want to pay them for unjust charges or have this hurt my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
I made a partial payment In XX/XX/XXXX for my XXXX XXXX XXXX car. My regular payments are {$570.00}. The payment I made to Suntrust was for XXXX XXXX XXXX dollars which was due on the XX/XX/XXXX day each month. The remaining amount for XX/XX/XXXX payment is XXXX plus XX/XX/XXXX payment. The firm allows 11 days grace period for paymets at which I have been using since I purchased the car.They sent me a text message today stating they are resposessing the car for XXXX late payment. They have also deleted my account on the mobile application which affords me to make payments. This is unfair practices to repossessed a car for XXXX due late payment and deleting my mobile account so I cant make payments.

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 2019-10-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a correspondence to Experian over thirty days ago requesting to confirm a debt for me with a collection agency, they did not respond to me, its been over 30 days. I enclosed the previous correspondence to Experian to support my complaint that its taken Experian over 30 days to respond.

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