vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Dear Sir or Madam, This letter is intended to request the credit bureau to remove a negative mark that was annotated on my record. In 2016, my XXXX XXXX XXXX XXXX XXXX account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over XXXX points. 
The issue was resolved with XXXX as they received proof from the XXXX that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the XXXX provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - XXXX XXXX of registration cancellation

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 2019-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bliksum, LLC
State: WI

Complaint narrative:
This account is included with a amortization of debt. Was court ordered to reaffirm our debt in XXXX of 2018. I have contacted a XXXX XXXX. And was told they would fixed my account payments are being made monthly per our payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Peter T. Roach and Associates, P.C.
State: NY

Complaint narrative:
I XXXX XXXX am Plaintiff in the above-entitle complaint, I am respectfully requesting your Agency to issue an order to CURE to XXXX XXXX XXXX on my behalf under section 1322 ( c ) ( 1 ) of the Federal Rules of Civil Procedure granting Plaintiff the right to cure the default mortgage ( ARREARS ). I made several request XXXX XXXX XXXX, XXXX. Attorney for Defendant, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX with no avail. The Bank improperly applied or credit my payments. 
Pursuant to Federal legal or equitable right to cure under section 1322 ( c ) ( 1 ) of the Federal Rules of Civil Procedure granting Plaintiff the right to cure the default mortgage ( ARREARS ). Provides in part : Notwithstanding subsection ( b ) ( 2 ) a defaultmay be cureduntil such residence is sold at foreclosure sale that is conducted in accordance with applicable non bankruptcy law. Section 1322 ( c ) ( 1 ) was enacted in response to previous confusion as to when a debtors right to cure a default ended. Based on the statutory text and legislative history, courts have found that Congress clearly intended that section 1322 ( c ) would preempt state law and create a federal right to cure that only terminates upon a foreclosure sale. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Immediate Credit Recovery
State: NY

Complaint narrative:
Reached a settlement agreement with ICR Immediate Credit Recovery amount of {$6600.00} to be paid by XX/XX/2019. The XXXX website has been down for the last three days and I am unable to submit payment. Their office is closed today XX/XX/2019. They should honor my agreement to the next business day without penalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
It is my understanding that CFPB has taken action against PORTFOLIO RECOVERY for fraudulent collection behavior. I am a victim of such behavior and the credit bureaus will not investigate on my behalf. Portfolio Recovery has a fraudulent collection account on my credit report in the amount of {$670.00}. They report this as a delinquent derogatory account on my credit report every month and this is a fraudulent account. They continue to update as a negative account every month against me. I have filed several disputes with the credit bureaus multiple times and they have not taken any action to help me. This is a fraudulent account that I do not owe and that is not mine. They haven't proved or provided any agreements or contracts signed by me. They just ignore my disputes and keep on ruining my credit profile every month. The credit bureaus need to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This account was opened for 18 months and I have always paid the amount due even if had to pay 2 months at a time, due to my pay at work. I paid the account down a large amount in XXXX. I made my final payment in XXXX. I then was slapped with over XXXX in interest after paying off the account. 
The irony is the one person I have been able to talk to me says I was 7 days too late in paying off the account so I was penalized. The other irony is I called multiple times during the account payment time last year 2018 and asked for this account to be put on revolving credit because I was told when I made this purchase I could make this change at a later time if needed. I was completely ignored and no one would allow this to occur. 
This company will not let me speak to anyone about this matter and I have called several times. I need this removed because this is fraud. I paid the amount off and was not late. I need this reviewed. I do not even have the same account number this statement is reflecting. I was sold this under XXXX and then someone else bought my account and changed the terms and will not talk to me. NEVER do business with XXXX or XXXX XXXX because they are FRAUDULENT and will ruin your credit. I bought a large diamond for my wife and she has a large credit account with XXXX, but due to the horrible time we have had dealing with this company we will never do business there again. Great jewelry, horrible banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
XXXX XXXX Card is showing my account 30 days late on all three credit reporting companies XXXX, XXXX and XXXX ) for the very month I paid the card off.

I had a {$7500.00} credit limit and after I paid them off they showed a reduction in my credit limit to {$1000.00}. Both of these reports have caused negative results in my credit score and they refuse to correct the problem. I paid this company every month and was never 30 days late. They charged me an additional {$18.00} one month after I paid them off telling me it was accrued interest from the previous month. I need this information to be corrected.

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 2019-03-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax reporting agency was to dispute inaccurate information from a debt collection company that is incorrectly reported on my credit report. All they did was got hold of the collection company and asked if the information was correct, and that company then told them that it was, so my dispute was not handled. Of course a lying company is going to say yes this information is accurate. I want proof that it is accurate, not the collection company saying sure this person made a payment on such a date, when the payment they are reporting is for XXXX dollars, cause that isn't a payment at all. I want proof of ownership and proof from them with the original credit company of last payment, statements for proof, and when the first delinquency was. I called the original creditor and was told the last payments on their end was from 2010 which is way past statutes of limitations to report. The original creditor has already been removed from my report, and the debt junk buyer is listing the accounts as new and keep reopening them and parking the debt. I tried explaining this to the equifax person and yet they won't get the proof. I faxed the junk buyer and requested in writing the information and they have yet to send it and it has been over 50 days. They can not prove it, because it is past the statutes of limitations. I want my credit report fixed. It is illegal to park debt and yet this company is doing so and equifax is allowing it to continue. XXXX   already removed this junk from my report over a year ago, when the junk collection company couldn't prove this debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am trying to add XXXX XXXX on my device my capital one credit card 5100 is giving me error message to contact my bank I have and they refuse to help me to get this resolved all they said is this is ongoing issue and when will it be fixed they dont know I am treated horrible they refuse to fix this issue and concern and they dont give me credit line increases when Im Loyal customer they decline my. Credit cars applications their system immediately it doesnt even try to qualify me I have applied for the savor one and venture and all declined Im treated horible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
They are charging me {$97.00} fraudulently because I've never lived in those apartments. I think somebody uses my name or social security to do that. Please, I want them to call the XXXX  and delete that if I do not take legal action for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I filed a complaint XXXX XXXX XXXX on XX/XX/19 for harassing me about a debt owned by LVNV Funding LLC. I do not owe the debt and XXXX was not following the requirements of the Fair Credit Collections Act. My request was the the debt be cleared from their rolls because it is not my debt. They responded that they would do so and stop contacting me. I had disputed the debt with XXXX and never received proof of the debt. 

LVNV Funding has now forwarded the debt to another debt collector, Resurgent Capital Services. This is a campaign of harassment by LVNV Funding to force me to dispute the same debt multiple times to wear me down so they can seek judgement against me in court even though the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
On XX/XX/2016 I sought emergency care in a North Carolina hospital after an automobile accident. At the time I had hospital insurance with XXXX XXXX and also XXXX XXXX XXXX. When I received a bill from the hospital I called to question why I was being billed but promised to pay a small amount as a " goodwill place holder '' until I could clarify my responsibility.. Some months later, XXXX contacted me and took ownership of their insured 's liability and I erroneously thought that XXXX would pay all medical bills associated with the accident. I found out that the medical debt to North Carolina had gone to collections, thus spoiling what had been my stellar credit score of the years. 

As a new resident of Georgia, I was never able to find any lawyers to help me with any claims either because they did not practice in North Carolina or because my case was not worth their while. ( Moreover the timing of the accident presented any number of other issues piled up to complicate the matter. ) As I mentioned earlier, I had erroneously thought that XXXX would pay the medical bills that I had incurred. I have finally gotten a settlement offer from XXXX only to find that NC law does not permit XXXX to pay the debt incurred in the NC Hospital emergency department. The settlement leaves me with a diminished credit rating, the balance of over {$1000.00} in collection, and the unresolved question as to why the NC Hospital 's Billing Department did not first make a claim to my health insurers I think that this was an error on the part of the NC Hospital. I want to add that I received subsequent medical treatment through XXXX XXXX, for which liens were attached to the settlement and thus these bills will be paid by XXXX. The statute of limitations for the accident is just about to expire as far as the accident is concerned .. Because I am XXXX years old and have never had any credit problems, I had no thought of contacting you earlier and still do not know if you can offer any advice. However, I am going to call your telephone number but wanted to establish a background. I am only trying to address the bill from the North Carolina Hospital that is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orions Management Group, LLC
State: TX

Complaint narrative:
on XX/XX/2019 I submitted a complaint with the CFPB asking Orions Management Group , LLC to validate the alleged debt in the amount of {$650.00} that is reflecting as negative against my name and social security number with all three credit reporting agencies. On XX/XX/2019 Orions Management Group , LLC responded to my complaint by stating the debt was indeed valid and belonged to me They responded by saying " Orions Management Group , LLC is licensed in Texas and have attached the proof. I have also attached the proof of the original Loan File when he consumer received the loan. We have not violated the FDCPA in which the allegations are made here. Orions sent the 1st Notice letter by law which a copy will be attached. The Chain of Title is XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX XXXX to Orions Management Group , LLC. We have done everything correct by the FDCPA and FCRA. We own the debt and therefore we are reporting as a collection account. This account will not receive and calls it will remain unpaid in a cease and desist status. If there is any further questions that pertain to the debt I can be reached at directly XXXX XXXX XXXX. '' I received a contract that bared an electronic signature and not my WET signature allegedly obtained through my personal email. I would like to know where exactly the furniture ( sofa ) outlined in the contract with XXXX was delivered to, as I never received the furniture outlined in the contract with XXXX. Although, I have done business with XXXX XXXX, the orginal creditor with which the contract with XXXX was initiated, it was through XXXX XXXX and not XXXX. This account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have two loans under the same student account with Discover Student Loans. Loan A initially was for {$2000.00}, the second loan, Loan B, was initially for {$10000.00}. I have been repaying these loans + interest since I graduated in XXXX. On XX/XX/XXXX I made a payment of {$15000.00} to both of these loans. This amount should have almost entirely paid off both of these loans. On XX/XX/XXXX the full amount of {$15000.00} was debited from my checking account. On XX/XX/XXXX when checking my Discover Student Loans account I did not see my payment of {$15000.00} reflected on either of my loans. I contacted Discover Student Loans customer support and was told to " wait 3 business days to see the payment reflected. '' On XX/XX/XXXX I saw that my payment was still not reflected on my student loan account. I contacted Discover Student Loans and was told they needed to investigate and it would " take several weeks. '' This payment was made from the same bank account it has been made from for the past several years, by the same person, to the same student loans. Discover Student Loans will not give me a case number for this " investigation. '' When I told Discover Student Loans that these 2 loans are continuing to accrue interest and a payment will be due next month because they are not reflecting my payment and that these loans should be paid off they were unhelpful and repeated they needed several weeks to investigate. When I asked to speak to a supervisor they said that was not possible. They do not care that a payment will be due next month, but if I do not pay I'm sure they will not hesitate to report my payment at delinquent and damage my credit score. Discover Student Loans received by payment of {$15000.00} on XX/XX/XXXX and is refusing to give me an investigation case # about my account not reflecting this large payment. I have no way to verify an investigation is even happening. The full loan balance is still being reported to credit agencies. Discover Student Loans customer service has been entirely unhelpful. I feel like I have nothing to show for my {$15000.00} payment, which should have almost entirely paid off my 2 student loans with Discover Student Loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Convergent XXXX, a collection agency, is contacting me to try to collect a cell phone debt that they previously accepted a reduced balance over 2 years ago. They tried this tactic last year and when they were told to stop because they accepted a reduced balance, they said they would not contact me again. Now they have called me on my cell phone and sent me a notice, again offered a " reduced balance amount. '' Convergent XXXX clearly does not honor reduced balance offers. They must rely on the fact that the balance was paid so long ago that I do not have document to prove what I paid and the notice they sent.

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 2019-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: OK

Complaint narrative:
I got a loan over 1 1/2 years ago. The loan was immediately bought by XXXX XXXX. At that time, I was not able to sell my other home and finally started leasing my previous home. The renters moved out before the end of the contract and left the home in a total mess. I was not able to get the home on the market until I had done some work on it. The home remained empty for 8 months before I could get it sold. Meanwhile, I was paying both mortgages along with electric and gas bills. I worked 2 jobs during that time to make sure I made the payments before the end of each month. The mortgage payments were made to Provident usually on the last week of the month but mostly on the last day of the month. Like I mentioned, I worked very hard to get both payments made before the end of each month. I was very concerned about my credit being affected. On 2 occasions, Provident reported my payment as late because it wasn't made by phone before the cut off time of XXXX XXXX. My other mortgage company had a cut of time of XXXX XXXX when I would call a payment in. They also accepted payments on XXXX and XXXX and credited the account on those days. This is not the case with Provident Funding. I had called their Customer Service at least 5 times during this period but they offered no options for me. As I said before, these payments to Provident were all made by phone on the last day of the month but still counted as late. This has greatly affected my credit rating with the 2 main reporting agencies. When I have called Provident, they connect me with Customer Service, I get the same answer that nothing can be done about the reported late payments. There are now a total of 3 late payments with no other late payments reported from other creditors. I had a good standing record with XXXX  XXXX XXXX prior to selling my previous home. Im asking Provident to please work with me as I am now aware of the cut off times for a payment. I worked very hard to pay all bills on time, even getting a second job. 
I was also told by the company who got me this loan that I would be able to set up a bi-weekly payment so the mortgage could be paid in 2 installments each month. When I called Provident, the customer service department told me they had no such service available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I told the company the length of the loan was not fair and the pay off amount was too high. They said they would offer new terms but didn't. I have been paying XXXX since XXXX XXXX, 2018. I have already paid double the amount given.

Company response to consumer: Closed with explanation