vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am livid and I am tired of being ignored, violated. Experian is repeatdly lieing to me about verifiying accounts on my report. I have proof and copies, that they have not accurately been reporting, validing the request i send in. I need help in enforcing the rights I have as a consumer to fix these repeated ongoing issues.I have taken the time to list each account for ISSUES and REASONS OF INNACCURATE, UNVERIFIED AND SHOULD BE DELETED. I have provided copies of request that i have certified copies they received with this information dated back to XX/XX/XXXX. 

XXXX XXXX ACCOUNT XXXX ... -- - ( XXXX ) *Reporting late 30 days 23 times! shouldnt it have been XXXX????? 
*if that was the case how is it PAST DUE in XX/XX/XXXX? isnt this reaging? FCDPA VIOLATION *I have been disputing this for months how is the Date of Status XX/XX/XXXX? Violation of FCRA *How and WHY are you reporting payments on a charged off account? 
*why is the chargeoff amount XXXX when you say I am past due XXXX? 

Do you see a pattern of this? This clearly has not been valided, nor verified and should be deleted! 

XXXX XXXX # XXXX .... 
* Date of status is incorrect ( i have been disputing the validation and verification for months ) This provides this account hasnt been updated ( DOIA ) FCDPA and FCRA *XXXX XXXX is the month and date of the inaccurate reported charge off *How is this past due XX/XX/XXXX of XXXX when you charged off the same amount 2 years ago? 
*NO TERMS BEING REPORTED *NO MONTHLY PAYMENT AMOUNT.

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 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
I have never heard of a stand alone bank where when it eats your cash deposit and card that they destroy card and take up to 10 business days to credit your account..and then charge you {$25.00} to expedite your new card.had I known this was standard procedure I wouldnt have used that branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: American Credit Acceptance, LLC
State: SC

Complaint narrative:
We have been current on our car loan for a few months now. We disputed the correctness of the debt and the company sent letter agreeing they are reporting incorrectly. 60 day lates and repossessed. They stated they would correct this. They still have not after reporting 3 months in row. This has totally hurt our credit score or any chance at purchasing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I have asked this company several times on a recorded line to stop calling me. the company ignores my request and continues to call me everyday sometimes several times throughout the day. it is very annoying and disruptive to my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth collection agency is attempting to collect a debt that has already been paid by my insurance company. This particular debt keeps on Being sold to collection agencies. Who in return report a paid account to my consumer report. I am currently taking legal actions against XXXX XXXX the original creditor regarding this matter. And will add Commonwealth to litigation if need be. If Commonwealth have any questions to please contact my attorney at XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
During the month of XX/XX/2018 I made two payments to my loan so that I would be ahead. One payment was made on XXXX and the other on XX/XX/XXXX. I noticed when I made the payment for XX/XX/XXXX that my payment for XXXX had not posted to my account. I called my local bank who ensured me that the funds were removed from my account and they were able to send me a copy of the electronic check. Since then I have called my loan company, Huntington National Bank, four times and keep getting different stories from them. The first time I was told that the payment was not received, second was that the payment was returned, third time I was told that the payment was put onto a different account that they would fix it ( this was after the geniuses processed a missing payment request for my payment made on XX/XX/XXXX ), and the fourth time they tried to tell me that they had no record of a payment attempt for that day even though I have my payment confirmation code. My loan company keeps trying to tell me that the payment was made from an account that does not exist. They tell me that the account number used for the payment is an invalid account number. The same day as my fourth call I reached out to my local bank who holds my checking/savings account and they offered to call my loan company themselves. My bank rep ensured them that, dispite their multiple claims of the contrary, the funds were infact released to them from my account and that the account they keep claiming not to exist is a valid account. I have offered on many occasions to send them a copy of my electronic check ( which has the account number they claim to be invalid, their company name, and my loan account number ) but they will not give me that option. I was told last week that I was going to get a call from ... someone ( they wouldnt give me a name or title ) but was honestly not surprised when that call never came. My local bank says its too late to dispute the charge and my loan company keeps saying there is nothing that they can do. I am currently out {$500.00} and feel like my loan company isnt even really trying to figure out what the problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
The consumer financial protection bureau needs to request a recorded conversation I just had with select portfolio servicing, the company servicing the mortgage the investor, XXXX XXXX has on my property. The conversation was held with XXXX XXXX on XX/XX/2018 at XXXX XXXX   central time. I want this conversation forwarded to XXXX XXXX, the attorney general, XXXX XXXX comptroller of the currency, fdic, 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, the bankruptcy trustee, the federal reserve, XXXX settlement and any other company agency or entity involved with the fraudulent mortgage XXXX XXXX is servicing on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: SC

Complaint narrative:
We have been current on our car loan for a few months now. We disputed the correctness of the debt and the company sent letter agreeing they are reporting incorrectly. 60 day lates and repossessed. They stated they would correct this. They still have not after reporting 3 months in row. This has totally hurt our credit score or any chance at purchasing our 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 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT TO DISPUTE INQUIRIES ON MY CREDIT FILE I MUST CONTACT THE AGENCY THAT DID THE INQUIRY, REQUEST THEM TO SEND ME A LETTER TO REMOVE IT AND THEN FORWARD THAT LETTER TO YOU ALL AT TRANSUNION WELL I TRIED THAT. AND WELL NO SUSCESS BECAUSE I CAN NOT GET A HUMAN ON THE PHONE FOR THE LIFE OF ME. TRY IT YOURSELF CALL XXXX  AT THE NUMBER PROVIDED ON THE INQUIRY XXXX. YOU MUST HAVE AN ACCOUNT WITH THEM TO TALK TO ANYONE. THEREFOR IT IS IMPOSSIBE TO DO WHAT YOU ARE ASKING ME TO DO TO HAVE THE ACCOUNTS REMOVED. ACCORDING TO FCRA, ACCOUNTS THAT ARE FRAUD AND DEEMED AS FRAUD SHOULD BE REMOVED BECAUSE THEY ARE POSTED ON MY CREDIT FILE INNCORECTLY. AND ANY AND ALL INNACURATE INFORMATION SHOULD BE REMOVED. THEREFOR I AM REQUESTING ONCE AGAIN KINDLY TO HAVE THE ACCOUNT INQUIRIES REMOVED PERSUANT TO THE FCRA. I HAVE SUBMITTED A COMPLAINT, AND ALSO SENT YOU NOTICE OF FILING A LAWSUIT FOR THIS AS NOT ONE CREDIT AGENCY SEEMS TO DO ANYTHING CORRECTLY. NOT ONE. AND HONESTLY I HAVE BEEN GOING THREW THIS FOR YEARS NOW WITH THE XXXX  DATA BREACH, AND I AM DONE BEING PATIENT WAITING 30-45 FOR NO RESULTS. SO THIS IS MY LAST ATTEMPT also incorrect account balances on XXXX card .... it has a XXXX balance and they reporting over {$600.00}

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 2018-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am in receipt of Select Portfolio Servicing ( SPS ) response dated XX/XX/18, which was not received by me until XX/XX/18. SPS continues to be in violation of 12 CFR Part 1024 ( Regulation X ). They have not sufficiently responded to my error notification and qualified written request for information, which is dated XX/XX/2018 and XX/XX/2018. In fact, they refused to answer many numerous questions and address my concerns. See attached documentation. SPS continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: ERC
State: FL

Complaint narrative:
This doesn't give me an option to select multiple issues with this company. For one thing, I do not know what this debt is and I've disputed it and asked them to not call me. I've also written a formal letter about the debt. I decided to answer a call last night from an unknown number that happened to be them calling again. Upon answering the phone, I had to say hello repeatedly because no one answered. Finally, when someone decided to answer they said, " Are you okay? " ... HM, that's strange, you called me ... decided not to say anything for a good 10 seconds and you're asking if I'm okay? After that little conversation the girl, who claimed to be XXXX, wouldn't stop arguing with me and raising her voice. I tried multiple times to get the company name, where they are based out of, a different phone number, her full name, why they won't stop calling, among other questions during this conversation. XXXX, only wanted to tell me her first name and the company name, ERC. She provided no other information and tried to dispute the FACT that they won't stop calling me. This is unbelievable and these people NEED to stop calling me before I get a lawyer involved.

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 2018-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
We fell behind due to timing of the hurricane, as well as my spouse losing their job back in XXXX of 2017. We have been working extremely hard to work something out and sending the required documents requested week after week. It's to the point that we are still having problems with the company from losing Documents, one person stating that they have everything to not having the documents a few days later, submitting the same Documents over a month later to documents expiring because of this long process. We are trying to save our home, but Loan administration does not have their stuff together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SN SERVICING CORPORATION
State: NE

Complaint narrative:
On XXXX XXXX our mortgage was sold to XXXX XXXX XXXX. We made payments to XXXX. In XX/XX/XXXX we were contacted by SN Servicing stating that we owed {$140000.00}. XXXX showed on our XXXX XXXX an outstanding balance of {$61000.00}. SN Servicing told us in the collection letter that we had the right to dispute any portion of this debt within 30 days or they would assume the debt was valid. We sent our dispute along with a Qualified Written Request for more information on XXXX XXXX. 
They received our dispute and the QWR on XX/XX/XXXX. To this date they have not responded with the information we requested. 
Now they have filed foreclosure for the disputed amount that they did not respond to validate their initial claim of {$140000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
On XX/XX/2018 I received a bill for a {$4.00} toll-road charge from XXXX XXXX XXXX XXXX for using their toll road on XX/XX/2018. The bill says the due-date was XX/XX/2018, so I set the bill up in my bank 's BillPay system to distribute the funds on XX/XX/2018. 

On XX/XX/2018 I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX XXXX, saying I had not paid this bill, and had been sent to collections for a total of {$35.00}. The letter was authored on XX/XX/2018 - a full XXXX XXXX XXXX XXXX days before the bill was due. 

To be clear : The funds were delivered in full ( {$4.00} XXXX to XXXX XXXX 's billing address of XXXX. XXXX XXXX, XXXX, CO XXXX on XX/XX/2018 - a full business day before the bill 's printed due-date. My bank can provide additional proof of this via a payment verification inquiry, if needed. 

On XX/XX/2018, I drafted and sent via Certified US Mail, two Debt Verification letters : one each to both listed mailing addresses for the offices of Linebarger Goggan Blair & Sampson, LLP. The letters were delivered XX/XX/2018 and XX/XX/2018, respectively. 

Despite the above, today, XX/XX/2018, I am in receipt of yet another bill from XXXX XXXX XXXX XXXX. 
Attached you will find copies of the original bill, the debt-collection letter, two debt  verification letters, two USPS Certified Mail Receipts, and one USPS transaction receipt with tracking numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Our mortgage was sold to Rushmore Loan Management effective XX/XX/2018. We were notified of this well in advance to pay Rushmore on the effective date. We set them up as a new bill on Bill Payer through our bank and made our first payment on the due date of XX/XX/18. With no problem of making the first payment, we scheduled our XXXX and XXXX payments in the same manner. Our XXXX payment was made through Bill Payer on XX/XX/18 and our XXXX payment was made on XX/XX/18. At the end of XXXX, after we had already made XXXX 's payment, we received a statement from Rushmore showing that we owed 2 months of payments ( XXXX & XXXXy ). I called Rushmore as soon as I received the statement and gave them all of the information for both XXXX and XXXX 's payments to include the confirmation numbers that Bill Payer provides. My husband and I have talked to Rushmore no less than 1 time every week to try to resolve this issue but have had no such luck. We have 3 way called them with our bank and Bill Payer several times and none of the representatives we have talked to have been able to do anything other than take a payment over the phone. Bill payer has faxed them over proof of payments, my bank has faxed them over proof of payment but again to no avail. We call 2 days after the faxes are sent and the representative tells us that they never received the paperwork. When we call, we are told that the information needs to go to the Texas office and then when we call back to follow up, they tell us that it should've been sent to the California office. Since all of this has been happening, I put together a packet of proofs of payments, copies of their statements, copies of the notes where we have talked to each representative as well as our bank statements for XXXX, XXXX and XXXX. I was smart enough to mail this packet via certified mail so I know they received it 2 weeks ago. They still can't find our payments! We have asked multiple times to speak to a supervisor or manager and are told that none are available. I finally was able to get put into a managers voicemail but after 3 weeks I have yet to get a return phone call. We have also received foreclosure paperwork ( more how to avoid foreclosure ) and tried to get in contact with the person listed on that paperwork also. Again, I called and left a voicemail and after 2 weeks have yet to receive a return phone call. I don't know what else to do and I refuse to continue to give them money when they lose it. We have placed our XXXX payment into a separate account to secure the funds so when this matter is resolved we can make any and all necessary payments. 

Please help since the mortgage company does not want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have written by US Mail and made numerous phone calls to have information corrected and updated on my credit report. I have notified the collection agency as well as all three credit reporting agency 's with proper identification along with a copy of my social security card. I've never applied for or authorized anyone for any kind of service at XXXX. The information that I have received from the past, XXXX, XXXX  and XXXX XXXX have not physically verified this inaccurate information, collection companies verbally reported information to the credit bureaus as verified. This reckless reporting tactic from the collection company as well as credit bureaus has cost me a great amount of hardship during my search for employment and seeking a government security clearance. This debt of {$1500.00} does not belong to me, I will be consulting with an attorney for possible damages caused by the inability to obtain employment pending the out come of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
Purchased vehicle and received title once debt was paid in full. Went to get a credit report and there's a charge of {$160.00} from America 's Carmart.

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 2018-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: PA

Complaint narrative:
I signed up with Ameritech in XXXX of 2016, after receiving a letter in the mail. They told me for a fee they would enroll me in a payment plan based on my income for my federal loans. After ten years of being in the program they said all my federal loan debt would be forgiven and forgotten. I signed up for the program paying {$250.00} dollars for 6 months. After that it would be {$99.00} a month based on my income.

I remained in the program until a received a letter from the Federal Trade Commission saying Ameritech was lying and deceiving their customers. I called Ameritech to ask for a refund of my money. I was told by the person in customer service that the allegations against them were not true and they had already filed two lawsuits against the Federal Trade Commission. I told them I did not care and just wanted my money back. I was told at that time no refunds were going to be given back until after the court hearing.

I'm at a stand still right now with the whole process. I just want my money back so I can try to rebound in life and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Choice Recovery, Inc.
State: NJ

Complaint narrative:
Choice Recovery Debt collector was paid off in full for a medical collection. They are still showing as derogatory on my credit report although it says they were paid off in full.

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