vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Barclay I'm filing a complaint on your company for violation of the FCRA ACT I started disputing my two Barclays credit card account with the credit reporting agencies back in XX/XX/XXXX and they keep saying that you keep responding saying that the information is reporting as correct. However this information is reporting incorrect on my credit report I have got fired from my job because of credit reporting violations unable to Obtain a good Job due to company like you reporting false information. then you expect people to pay you on time it's very hard when creditors are reporting negative and false information about the consumer I have been telling the reporting agencies that the account numbers were not matching up and again they kept saying that Barclay states its reporting as correct in order for me to prove my point about 3 Weeks ago I sent to your company 2 money order about a month ago for payment on my XXXX XXXX XXXX and My XXXX XXXX mastercard I sent in the money orders with no name no address Just the account numbers that you are reporting on my credit file and the money order never did get cashed because those are not my account Numbers What's showing on my credit file is XXXX and XXXX those are not my account Numbers! again I have been disputing these with the reporting and agencies about 15 times per account its a lot of work writing letters and getting them in mail to these company. Barclaycard you have violated my rights and cost me my job also you are in are violation of the FCRA. I'm asking you to please delete these 2 accounts  from each of the credit reporting agencies immediately for the violations There is no law that states that you have to report information. But since you have violated my rights under the FCRA I DEMAND These accounts to be remove ASAP or I will take legal action. you and I have an agreement for payment each month and I will carry those payment agreements until my accounts are paid in Full But It's hard when Negative items is keeping you from getting a job to pay. I look forward for your response also XXXX  is reporting that XXXX ACCOUNT IS A CHARGE OFF I HAVENT Received any noticed from your company about a charge off This far which is another violation of the FCRA.. I have enclosed a file from your company dated XX/XX/XXXX on You clearly stated my two account numbers ending in XXXX and XXXX but my credit report is showing different account number per the FCRA accounts must report 100 % percent accurate or the account must be delete and again that's what I'm asking you to do in this case! I also attached the account numbers that reporting on File 3

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 2019-05-29 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:
I believe that I have a merged file. Furthermore, I can not access my credit report via online or phone because the verification process is asking me to verify accounts that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a call from XXXX stating they need to confirm I would be home to serve me papers from another agency. I asked for that agencys information and they gave me a number to call, XXXX. My call was answered by XXXX who had the last four of my social my maiden name only and simply told me they were going to garnish my wages for the amount of XXXX which the original balance was XXXX the remaining is their legal fees. I asked for further information and was given an account number of XXXX which i called Bank of America about, and did the same 4 years ago when a collector tried the same thing, and again they have no records of me having a negative debt with them. I have an account with them currently. I asked her the date on the account and its from XX/XX/2006, that is when it was closed. When I asked for more information she got hostile after I told her that it wasn't a legitimate account, and just said I will be served and have to go to court and hung up on me. I tried to call back and could not get anyone to answer after the phone kept ringing for 10 minutes. I used my XXXX XXXX account to call from a different number and within 30 seconds XXXX answered and I asked the company name which was given to me as XXXX and said it wasn't an Acronym. I asked for an address and they hung up.

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 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XX/XX/2019 XXXXXXXX XXXX Call received at place of employment by Portfolio Recovery services from ( XXXX ) XXXX XXXX. They were asked not to contact my place of employment. 

XX/XX/2019 XXXXXXXX XXXX. Call received from Portfolio Recovery services from ( XXXX ) XXXX XXXX. They were again notified that personal phone calls are forbidden at my place of employment and to initiate contact in writing. 

XX/XX/2019 XXXXXXXX XXXX. Call received from Portfolio Recovery Services from ( XXXX ) XXXX XXXX. Caller was again asked to refrain from calling my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: MD

Complaint narrative:
My student loan was paid off XX/XX/2019 to an agreed amount negotiated between my lawyer and XXXX XXXX XXXX, XXXX and a letter of satisfaction was sent to me and my lawyer on XX/XX/2019. However, Ascendium is still attempting to collect for the same debt. After repeated attempts by my lawyer, Ascendium has not provided us with the requested documentation and has even stopped replying to our letters and emails. They also have filed to intercept my tax return.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/2011 I consolidated my student loans with Navient. I chose to conduct my student loan business with Navient because of the Public Service Loan forgiveness program that they told my I qualify for. I qualify for the Public Service Loan Forgiveness program because I am a XXXX XXXX XXXX for a XXXX. When it was time for renewal of my account three years later I was told I was not on a Public Service Loan Forgiveness program. I believe Navient misled me for me to consolidate and become a customer. I have made several attempts to e-mail/phone calls regarding the matter. The public service loan allows forgiveness of student loans after 10 years. If Navient had not misled me I would have my loan forgiven in 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello I have a XXXX XXXX on y credit. I never went to college or co signed. This company threatened to ruin my credit if I didn't pay and they did. I don't understand XXXX. Please help im a immigrant trying to survive in XXXX. I cant even speak XXXX well. I had to ask someone to help me with this because I don't know what to do please help

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 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was told to send them a police report and a identity theft report from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery keeps calling my number trying to collect a debt on someone else, I have told them several times this is not a good number for this person, and to remove my number from their call list. 

They still call several times a day from several numbers trying to hide caller id information. 

Attached are the calls that pop up on caller id.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Date of incident : XX/XX/2019 Abusive language. 
Unfair interest added to original debt. 
Unwilling to accept a payment plan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to XXXX XXXX in XXXX, CA on Tuesday, XX/XX/2019 and was helped by a man named XXXX. When it was time to pay and leave, he offered me a XXXX XXXX card and said if i got it, it would take 10 % off my bill. He said that it was a " soft pull '' and talked about the perks of the card. I was interested in reducing my bill by 10 %, but questioned him saying, " are you SURE it's a soft pull? '' He responded very strongly stating that he was sure and even saying, " i don't want to go to court. I wouldn't be giving people false information. '' The only reason i took the card was because he told me it was a " soft pull. '' I did not, ever, give authorization to do a hard inquiry and I want this removed.

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 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
There is a debt reporting on my credit file from a company that indicated I owed money. This is not correct. When I lived in the apartment complex they indicated that I could use my own refrigerator and they removed the one that actually came with the apartment. When I moved out I did take my refrigerator and they are trying to charge me for my own appliance! They had possession of the one that was initially in the apartment and they agreed to me using my own. There is no money owed to that company. This is unacceptable.

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 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
This debt does not belong to me. Please remove this from collections. If you would like me to send my police report or ftc report please send me a fax number to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
hello and good ay the credit bureaus and XXXX XXXX put a negative remark on my credit for XXXX I never went to college. Im in America trying to make it. Please help me. The company refuses to hear me and its not mines. They are designed to make this happen. They said my credit would get ruined if its not paid.

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 2019-05-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Partners Financial Services Inc
State: CA

Complaint narrative:
Per my credit report, XX/XX/XXXX This collection was placed on behalf of my former employer XXXX XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX 

However this was supposed to come out of my pay checks. I have attached a pay check stub for XX/XX/XXXX where I had paid a total of {$100.00} YTD ( Year to Date ) for " Lodging '' and {$220.00} for Student Loan per my signed contract. However on XX/XX/XXXX my YTD resets to {$75.00} for Student loan and {$25.00} for lodging. XX/XX/XXXX it ads the {$25.00} and {$75.00} again for $ XXXX/XXXX Why? I have no Idea I just worked for them. So far I am missing {$320.00} credit that I paid towards the loan. On XX/XX/XXXX My {$50.00} and {$150.00} disappear again! now I am missing {$520.00} that was deducted from my check and they also did not deduct the student loan per contract. same thing happens on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on XX/XX/XXXX I had another {$75.00} for students loan removed, and {$23.00} and my year to date starts all over again. 

You can also see now Tuition Rebate where they give me back {$37.00} Fast forward, XX/XX/XXXX I get a check for {$8.00}, they take out {$44.00} for student loan and rebate me my full rebate to get some of the money back. Proving that even when you didn't make enough XXXX made sure they got their money. 

XX/XX/XXXX shows it more as they take out twice as much for lodging because prior check didn't cover it. 

XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX I get {$50.00} taken out. 
XX/XX/XXXX I am paid {$32.00} Net pay and no student loan deducted, no rebate XX/XX/XXXX I get {$16.00} Net pay check no student loan removed, no rebate XX/XX/XXXX I get {$29.00} Net pay check again no loan removed. 

XX/XX/XXXX I get {$24.00} Net pay check again no loan removed. 
XX/XX/XXXX, XX/XX/XXXX or on my Final check of {$330.00} I also had no loan removed. 

Why? Because the loan according to pay roll was paid in full. This collection effecting my XXXX  credit score that I have been asking for almost 3 years to be deleted. 
I see this as fraud, I had also received harassing phone calls back in XXXX that they was going to take my drivers license away which is illegal. This has effected me from getting a mortgage, made me pay 2 % more on a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I went to apply for an apartment, and was denied because of a RNT Debt of {$6600.00}. The amount is incorrect, since the property took me to court and was awarded a lower amount about 1/3 of this amount by a court judgement. They have this on all three credit reports and with such an excessive high balance it is impossible for me to rent any apartment at all. The apartment community although practicing fair housing, since they got a rehab loan from the government, intended to defraud me and a social service agency willing to help me catch up on the rent. They were going to take the money and still evict me. One of the leasing agents told me about their nefarious plans. I went to court on them, they also refused to repair anything in the apartment, we had a swarm of sewer gnats coming out of the drains, and they even called my utility company and lied that I had moved and had my lights turned off, because I fought them in court. They filed the wrong paper work, and could not evict me, and had to start the process over again, but the judge gave them the extra month in the judgement it took to finish the paperwork. This is a foul, dirty apartment company, and they are still upset that I fought against them when they lied and were going to use me and the social service agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
negative items should be removed

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 2019-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX NCSECU in XXXX XXXX NC, executed a teller withdrawal from my savings account in the amount of {$950.00}. They stated it was from an issue back in XXXX. I have no record of that issue and they can not show adequate information to support their action.

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 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Worth Finance Corporation
State: TX

Complaint narrative:
Took out a installment loan which has, like most loans, a payoff amount which reduces the amount of interest that I pay out during the duration of the loan. For example, If I borrowed XXXX, @ 85 % interest my payment would be about XXXX. If I pay more than the XXXX, the extra funds go directly to the XXXX to reduce the loan amount minus the interest. 
On XX/XX/XXXX I took out an installment loan from Worth Finance, the business is located on XXXX XXXX XXXX XXXX XXXX Texas [ XXXX ] XXXX, I've been making all my payments on time. At times I've made bulk payments in the amounts of anywhere from {$300.00} to {$400.00}, figuring that the payments were bringing down the loan amount minus interest. Interest is added after the bulk payments has changed the loan amount. 
What Worth Finance has been doing, they've used the bulk payments as monthly payments, by doing that they have been collecting interest @ 86 % and never adding the bulk payments to reduce the loan amount. As you can see, if a customer pays out the loans early, they, Worth, losses interest. 
The contract that I signed makes no mention that they have the right to do that. If they would like to do such a thing I must be notified in writing, which I have not ever seen, much less received. It's in clear violation of the contract. When I approached the clerk, initials XXXX, I was told the computer does that they don't. Regardless it's not in the contract that such actions are being done with my or anyone else 's bulk payments. 
I'm sure they have doing it for month 's if not longer, I notified the Consumer Protection Division off XXXX XXXX here in Texas, to no avail. I'll be meeting with the manager today for the 3rd time to resolve the issue. 
My account number / XXXX XXXX/XXXX Office loan XXXX XXXX was my address at the time. I met with an company employee on XX/XX/XXXX. Issue was not solved. Again, blaming the computer as the culprit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation