vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
To whom it may concern : I have several collection accounts on my file from a collection agency named NATIONAL CREDIT SYSTEMS. The accounts and account # s are as follows : -National Credit Systems/XXXX -National Credit Systems/XXXX -National Credit Systems/XXXX Please be advised that I am disputing these collections due to NATIONAL CREDIT SYSTEMS at XXXX. XXXX XXXXXXXX, XXXX, GA XXXX not currently have a valid license in the state LOUISIANA to collect on debts. This information is stating that there is currently no valid license for NATIONAL CREDIT SYSTEMS addressed at XXXX. XXXX XXXX, XXXX, GA XXXX, according to Louisiana Secretary of State website, XXXX XXXX XXXX I am requesting the the matter be investigated and delete these accounts from my credit file ( each credit bureau ) immediately or provide me with physical proof that NATIONAL CREDIT SYSTEMS at XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX is licensed to collect debts in Louisiana and a debt agreement signed between myself and XXXX XXXX XXXX  at XXXX. XXXX XXXX, XXXX, GA XXXX. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
XXXX XXXX sent a live check guaranteed loan offer that promised reporting to credit agency 's. I have been trying since XX/XX/XXXX two months after opening account, to get them to do this. XX/XX/2018 I was told by the branch manager if I renew my loan, " it will definitely be reported. '' My response to her was, " It should definitely already been reported 4 months ago. '' On XX/XX/2018, the branch manager called me and informed me I had to call XXXX and file a dispute so they ( XXXX XXXX ) can do what they needed to do. These people obviously have no idea what they are doing or don't care they do not fulfill their end of the agreement. They checked my credit without my permission creating a hard inquiry. I have requested this be removed. The offer was not a pre-approved offer, by it being guaranteed they already had all the information they wanted and needed when they did a soft inquiry on my report in XX/XX/2018. Consumer regulation allows for a credit check for the purpose of underwriting, this company already had the loan offer underwritten, which is why a hard inquiry is not allowed after the fact and especially without permission or knowledge. They claimed they submitted the request for the removal of the hard inquiry but they had not because I called XXXX and had filed a dispute, had they filed it already, I would not have had to file. They have not responded to XXXX as of XX/XX/XXXX because it is still on there.

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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Associated Bank continues to report a closed, paid in full account as currently 30-59 days past due on my credit reports. The account is paid in full so nothing can be currently late. The bank keeps saying they are reporting correctly yet when I asked what I need to pay in order to bring this account to a current status, I'm told nothing is owed since the account is closed. I know this, since I paid the account in full. I can't say enough that the account is paid in full. Since Associated Bank keeps countering that they are reporting correctly, I ask they specially answer the two questions as part of their response to this complaint so it is on the record here : 1. What is the balance on this account? 2. What is the current amount owed to bring this account to a current status? Since the bank is reporting the account as 30-59 days past-due that means a payment is necessary in order for it to be brought current which I then need to pay. If the answer to these two questions is anything other than zero, than the bank needs to correct my credit reports to reflect that the account is not currently 30-59 days past due. I also demand the bank send me any information regarding the arbitration clause that may be associated with disputes regarding this account as that is going to be my next step. If there is not an arbitration clause than the bank should advise so in their response here. A copy of the reports in question are attached with the current payment status section circled in case the bank needs assistance in reading the obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: NV

Complaint narrative:
I have disputed the these late payments on XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-10 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: NV

Complaint narrative:
I have disputed these late payments on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XX/XX/XXXX i was searching for a new phone and XXXX requested a credit check I sent a letter to dispute it but its still on there. I never got a phone from them nor was I billed for anything. 

XXXX XX/XX/XXXX I check my report and seen it was on there I have no clue where it came from I tried to dispute but nothing was done.

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 2018-10-10 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: HI

Complaint narrative:
I am concerned about the validity and accuracy of the account which is having a late payment status on my credit report. XXXX XXXX XXXX XXXX is an on time paid account and should not be reported as such. Given the fact that I send my payments before the due is unfair when you see this error on your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: NV

Complaint narrative:
I have disputed these late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for months. XXXX and XXXX have reversed them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-10 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: HI

Complaint narrative:
I am concerned about the validity and accuracy of the account which is having a late payment status on my credit report. XXXX XXXX XXXX XXXX is an on time paid account and should not be reported as such. Given the fact that I send my payments before the due is unfair when you see this error on your 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 explanation
Consumer complaint received 2018-10-10 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: HI

Complaint narrative:
I am concerned about the validity and accuracy of the account which is having a late payment status on my credit report. XXXX XXXX XXXX XXXX is an on time paid account and should not be reported as such. Given the fact that I send my payments before the due is unfair when you see this error on your 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 explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had a credit limit of {$3000.00} for years, citi increased to {$4500.00}, with out my know how, so as I see my bill due for $ 500ish dollars, and I'm thinking what is going on, I'm realizing they increased my credit, and billed me {$1500.00} in that process, citi is truly seeming like a huge scam, I'm about done with them : /.

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 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ZINC Financial, Inc.,
State: OH

Complaint narrative:
There are delinquent taxes against the property I've recently acquire ( Delinquent Tax Bill attached ). Neither the lender ZINC financial, or XXXX XXXX XXXX  XXXX   are taking ownership of the issue as they both keep pointing fingers to each other. In fact, XXXX XXXX now wants me to absorb the cost of the delinquent taxes I do not own. 
This is the second complain file against ZINC ( CFPB complaint XXXX attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a complaint before on this same issue and just got the latest response. Their response finally acknowledges that he was not authorized on the account and the multiple court documents crafted, signed, and submitted for them. However, it claims that I gave him permission to use the extra card that he ordered from them without my knowledge. Really, Wells Fargo? I found out about such a card when he took it as he took a couple of other things ( including money that was legally solely mine out of a Wells Fargo account after Wells Fargo had been informed that he was not an authorized person and Social Security had also made the same determination ). I reported the thefts to the local police. They were not sure how to respond because of the federal element ( social security ) and directed that the court would determine response. The court did. He stole those things. I am not to be held responsible or liable for them in any way ( held harmless ). He must make restitution for what was taken / fraud. All of this ( police report, court documents ) have already been given to Wells Fargo. They know that I did not hand him a credit card and tell him to use it after removing him from all of the accounts and calling the police on him. They gave it to him without my permission ( just like the cash he also took from their account ), in fact after being explicitly informed not to, and he absconded using it. As soon as I found out, I reported it, and they have continued to pull one excuse after another from a pre-set list, often rotating them, on why they won't fix the issue. And excuse after excuse doesn't hold water, is illogical, is countered by documentation, is countered by courts. So they can try again here. I've already shown that he was not authorized, that literal theft and related crime was committed. If they want to claim that I still somehow told him to use this credit card, then they need to prove it ( because it's axiomatic and documented that I did not ). Find another, better excuse, Wells Fargo.

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 2018-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I refinanced my loan with XXXXXXXX XXXX  in XX/XX/2018 for a total of just shy of {$22000.00}. This was to cover my XXXX loan which was around {$14000.00} and my XXXX XXXX loan which was around {$8000.00}. As confirmed by the XXXX XXXX XXXX rep, all documents submitted were for my XXXX XXXX loan ( now paid in full with no issue ) and XXXX. The new refinanced loan was again to be serviced by XXXX. In XX/XX/2018, when the payments for the refinance were processed, XXXX XXXX was correctly paid in full but my payment for XXXX was applied to a NelNet ( a XXXX XXXX Federal loan which was sold to NelNet for under {$6000.00} ) account. At that point, I reached out to all three-XXXX, XXXX, and NelNet. They did not account for the remaining portion of the remaining loan which had not been allocated anywhere I could see but were charging me for both loans. However, in this case, they were able to correct the error and my payments for the new XXXX and the existing NelNet loan had their payments auto-debiting as I had set up. 

On XX/XX/XXXX, I found that the payment to my original XXXX loan had been reversed and a partial payment was applied to XXXX and the remaining funds were applied to the NelNet loan. Again, the NelNet loan was never referenced in the documents I submitted for the refinance. Since the XXXX, I have called them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The issue has still not been resolved, they have given me no timeline to fix it despite funds being with their parent company, and XXXXXXXX XXXX  XXXX is now calling and saying my account is past due. I have received only a single callback and the person called to say there was no update. At this point, they are reporting my account over 30 days past due and we are quicky approaching 60 days past due. They are also falsely assessing late fees ; as they have confirmed they can see the payment in full but do not have an explanation for why the payment was then reversed. They refuse to freeze the account or to stop reporting it past due -- hence the calls from XXXXXXXX XXXX XXXX and, despite knowing this is a duplicate issue, they have yet to fix the issue. 

Attached are all statements for both loans that I received since XX/XX/2018 and statements for NelNet. There is additional information showing my account information with XXXX and all received statements from NelNet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I've been trying to resolve this issue for over a year now. I had a XXXX XXXX card in XX/XX/XXXX. I lost the card around XX/XX/XXXX. I reported it lost. I received a new card from Synchrony bank. I became dissatisfied with the transfer process of my card transactions for my 1st card to my replacement card. I paid my balance in full and cancelled the card in XX/XX/XXXX. I asked for the membership fee to be reveresed as well as the finance charge associated with the membership fee to be reversed. The annual fee appeared on my 1st card. XXXX XXXX has an issue with linking replacement cards to their customer 's accounts. They failed to close both the original and replacement card. They failed to reverse the finance charge and membership fees from the original card when the replacement account was closed. Post closure of the replacement account late fees and and finance charges accrued on the 1st account which were eventually transferred to the replacement account. I spoke to several representatives in XXXX and XX/XX/XXXX to ensure this issue was resolved and that my credit bureau was cleared of this collection. I considered this issue closed as of XX/XX/XXXX.I contacted each credit bureau to dispute collection file. It is now XX/XX/XXXX and I received a collection notice from XXXX, XXXX XXXX XXXX for {$370.00}

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 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I have no idea who SEQUIUM ASSET SOLUTIONS is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. SEQUIUM ASSET SOLUTIONS is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized SEQUIUM ASSET SOLUTIONS as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ SEQUIUM ASSET SOLUTIONS } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to SEQUIUM ASSET SOLUTIONS, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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