vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
i called XXXX XXXX credit card to resolve this and they said i could not pay them and the account had been deleted but they are telling experian that the account is correct and that i am missing payments and they report to the credit s every month that it is a charge off and they have sold the account to XXXX XXXX so i called them to pay off the account but they said they had trans fered it to some one else so they could not take the money put they are telling experian the account is correct but i cant pay ether of them so i have ask them to be removed if they cant take payments on the accounts how do i fix it

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 2018-05-24 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
i called XXXX XXXX credit card to resolve this and they said i could not pay them and the account had been deleted but they are telling XXXX that the account is correct and that i am missing payments and they report to the credit s every month that it is a charge off and they have sold the account to XXXX XXXX so i called them to pay off the account but they said they had trans fered it to some one else so they could not take the money put they are telling experian the account is correct but i cant pay ether of them so i have ask them to be removed if they cant take payments on the accounts how do i fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX Nelnet advised me to consolidate a federal loan which I recieved to obtain my XXXXXXXX XXXX with 2 consolidated parent plus loans which I got in my divorce. Nelnet advised me to consolidate and assured me it would not affect the Public Loan Forgiveness plan I had been on since XX/XX/XXXX. I made numerous calls to make sure I was given the correct information and each Nelnet representative said the exact same thing - that it would not without a doubt change my PLF plan. Now at XXXX - XXXX XXXXXXXX XXXX says that I only show 4 qualifying payments out of 120 payments due to Nelnet or Dept of Ed 's failure to report my payments and the misinformation I was given by them that consolidating Parent Plus Loans with mu Federal Loan would make my Public Loan Forgiveness payments start over from XX/XX/XXXX. I am devastated because I will be retiring in 5 years and I would have to go on 20 year plan instead of 10 year plan. If I had been advised correctly I would never have consolidated in XX/XX/XXXX. Since XX/XX/XXXX I have made 70 out of 120 payments. However XXXX only shows 4. I am a single parent working on a XXXX XXXX salary with XXXX child in school and helping my other XXXX age student. My low income payments went from 88 because I had XXXX children in XX/XX/XXXX on my tax returns -- since XXXX of my children are grown - and share tax years with my ex husband - I can only show one on tax returns which makes my payments XXXX from XXXX. Now I am struggling making the higher payment each month. I sincerely hope you can help me reslove this by getting XXXX to count the 72 years and lower my monthly paynents. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is a continue of your case # XXXX- PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on 05/08/2018- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX Ca XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted XXXX invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed XXXX : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XX/XX/XXXX to XXXX let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XX/XX/XXXX and XX/XX/XXXX none were XXXX : PORTFOLIO RECOVERY ASSOC has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have received thousands of calls from this company 7 days a week. I have asked them to take me off of their list as I do not owe any debt. They just called me at XXXXXXXX XXXX. They call me after XXXX at night all the time, Sundays, holidays. They have called my family and coworkers to tell them I owe debt. They scream at me or hang up when I tell them to stop calling. They have been harassing me for years and I am fed up. They call me from different numbers all the time. I use my phone for business and they constantly disrupt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I already submitted a complaint for discriminative closing of account without notice. 
From a deposit caused by my employer request : XXXX XXXX XXXX, of {$4900.00} issued by XXXXXXXX XXXX  XXXX XXXX or XXXX, the check from bank statement returned unpaid because of counterfeit!!!! bank Suntrust applied a {$36.00} returned item fees + {$3.00} ATM balance request fee for a total of {$39.00} making mt account with overdraft fee - {$39.00} due to bank suntrust making the account closing! I submitted supportive documents on this website and the bank calls me acknowledging of making a decision about it ; but nothing else changed, I receive a letter of statement saying that no item were returned 0 item returned after 1 item deposit? but balance stays {$0.00} I did make a check of {$4800.00} to pay a merchant from that account, the {$100.00} balance should be my start up bonus from : XXXX XXXXXXXX XXXX! But the bank suntrust without clear explanation of what happened : why stating a returned item unpaid, than counterfeit, sending a legal copy stamped counterfeit????? 
why applying a return fee of {$36.00} and close the client account without notice? 
why stil clsed claiming that no item was returned, maintaining the account at the opening balance of {$0.00}, because this account was oened to make future deposits not immediate funding deposit???? why?? and moreover no apology written to shows their discomfort toward this succession of mistakes from their employees?

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 2018-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted an investigation request to XXXX and Trans Union on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

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 2018-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I had a car loan with XXXX XXXX that was paid off in XX/XX/2011. They are still calling me from XXXX. I spoke with a rep and ( supposedly ) a supervisor on 3 different occasions and they said they would remove my number. I had them send me a paid in full statement but they still continue to call me. It has become harassing!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo opened a credit card in my name without my permission. I want all accounts closed.

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 2018-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ

Complaint narrative:
XXXX XXXX  XXXX. XXXX was the lender for a property at XXXX XXXX XXXX, XXXX, XXXX that was FHA financed. The closing was in XXXX, 2016. It was sold under the XXXX ( XXXX XXXX XXXX XXXX XXXX ) aka 24 CFR 291.545 ( c ). which gives the selling broker the right to collect their commission from the purchaser. This was in accordance with HUD 9548 contract between the buyer and HUD which showed no real estate commission was to be paid by HUD. A written agreement was entered into between myself and the purchaser for the payment to me of a {$10000.00}. commission. XXXX XXXX received a copy of this agreement prior to the closing. However, they also received a commission bill from a HUD listing broker*. ( who would later admit in writing ) that they performed no selling services in the transaction. Annie Mac prepared the RESPA DOCUMENT that the Title Company subsequently used to make the commission payment to be made as shown in the RESPA statement on lines 700-703. This showed the HUD broker was to collect 1/2 of the {$10000.00} commission - {$5400.00}. 
( CFPB should also be interested in this complaint because the commission was paid for by the purchaser to the other broker with HUD mortgage proceeds. ) *HUD listing brokers only receive commissions when HUD specifies this in their 9548 contracts with purchasers. The HUD 9548 HUD approved did not have a commission stated because the sale was a GNND Sale. HUD sells these properties at 1/2 price as part of a " XXXX XXXX XXXX '' to teachers, police officers, teachers, and EMT 's. They did not qualify as a " third party beneficiary '' in this sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: OR

Complaint narrative:
I have been disputing information with Transunion for months. I filed many complaints stating Transunion was violating the FCRA and the same employee XXXX XXXX responds saying the information is accurate. I contacted one of the companies and they said they closed the account and submitted the information to be deleted by Transunion. The last complaint was filed on XX/XX/18

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 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I received a debt collection letter in the mail with my first name and someone else last name and this collection is on my credit report. I never lived at the address that the services provided nor has I ever had an account with the company.

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 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am writing today in hopes to gain your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

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 2018-05-24 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: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Allianceco Is reporting the exact same account two times on each of my credit reports this as we all know is a violation of the FCRA and is also a {$500.00} violation each time inaccurate information is purposefully reported to a credit bureau - This mistake has been pointed out to Allianceco multiple times in writing and they still are reporting this account more than one time to each of the three major credit bureaus - I will not hesitate to attempt to collect the compensation money due to the FCRA violations if the mistakes are not corrected. The accounts are XXXX XXXX Clinic and the same XXXX XXXX clinic the account numbers have not been provided to me upon request.

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 2018-05-24 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: LA

Complaint narrative:
I submitted a fraud report the the three credit bureaus, Experian, XXXX   and XXXX. 
There were several items on my credit report that does not belong to me. Most of the items were removed, but some have been added back to my credit reports. 
No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX   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 non-monetary relief
Consumer complaint received 2018-05-24 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: LA

Complaint narrative:
I submitted a fraud report to the three credit bureaus, XXXX, Equifax and XXXX. There were several items on my credit report that does not belong to me. Mostnofnthe items were removed, but some have been added back to my credit reports. No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) AND XXXX XXXXXXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had disputed this alleged debt with the credit bureaus and the account was removed based off of the investigation. A couple weeks ago i got a call from this collector and the lady on the phone who was very rude stated that the account was back on my credit and that i should check my credit. Well i just checked it they have illegally put this account Back onto my credit. This is a violation of 15 USC 1681 i. I never got any letters stating that this account would be reinserted in my credit report. The collector has also been harassing me.

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 2018-05-24 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: Diversified Consultants, Inc.
State: WA

Complaint narrative:
I am being contacted outside of normal hours. I am currently in XXXX. I have told them to stop calling. They call from several different numbers all over the USA and hang up. There is no intent to collect the debt, only to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: TN

Complaint narrative:
My credit report has a name on it similar to mine but is not me, also this same name has been reported with an account that is not mine. I never done business with this company nor have I given permission to anyone or company to open this 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 non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a continue of your case # XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on XXXX- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX XXXX   XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted CapitalOne invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed CapitalOne : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XXXX to CapitalOne let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XXXX and XXXX none were CapitalOne : XXXX XXXX XXXX has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I requested that XXXX XXXX XXXX validate the alleged debt. I also request The last payment and the date of the delinquency.XXXX XXXXXXXX was informed that they are past the 6 years statute of limitation to process a collection in court. XXXX XXXX states XXXX XXXX questions whether the account is collectible due to the expiration of the statute of limitation ( SOL ). A review of XXXX XXXX records indicate that the statute of limitations expired XX/XX/2015. 
I agree that XXXX XXXX can not acquire a judgment through a civil court process. Tennessee Code annotated Title XXXX XXXX. Tennessee allows 6 years SOL. The reporting of the information to credit bureaus is 7 years. One year after the SOL expires. Midland has past the legal reporting date approaching 2 years. This matter can be resolved by deleting the information from all three credit agencies. This will be in compliance. I believe that Midland is re-aging the account. and reporting it to all credit bureaus as accurate. Midland adheres to the SOL in Tennessee. Midland review there own records and concluded the SOL have expired in XX/XX/2015. Negative credit reporting is 7 years from the last date of activity. Midland conceded to knowing that the SOL has expired.

Company response to consumer: Closed with explanation