vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
XXXX XXXX XXXX has contacted me numerous times, several times a day and every time I speak with them its the same spill. They acknowledge my debt and ask if Im able to pay the debt. I have told them numerous times that I am willing to work with them and pay my debt but I was given false information on my options for payment. I was misinformed for almost 4 years and I never knew about all forms of payment. I had to pay my friends to make a payment for me at times. I work almost 20 hours a day and literally couldnt take advantage of the payment option they were offering online due to limited access to a computer. One day after I was already 1 year behind in payments a customer service associate told me about the application they have available to pay through. I have been able to pay more money and ahead of time do to this particular call. I am very disappointed in XXXX XXXX for not informing me of all the options. This has negatively impacted my credit and keeping me from getting approved for certain loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: FL

Complaint narrative:
AES has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unisa, Inc
State: AK

Complaint narrative:
On XX/XX/18, I received a notice that a collection was put onto my XXXX   Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with Unsia, Inc. I did not receive notification that my account was in collections or was owed to anyone other than Unsia, Inc. I called Unsia, Inc and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My identity was stolen as a result of the XXXX data breach of XX/XX/2017. I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with TransUnion. I will not pay any fees associated with this request nor engage in any cumbersome process. If TransUnion wishes to bill someone for the service they should bill 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 explanation
Consumer complaint received 2018-04-20 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: MD

Complaint narrative:
I have written 3 letters to Equifax to correct mistakes on my credit report. Despite my 3 requests the unverified items still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation and subsequent reinvestigation, Equifax stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA a credit reporting agency is required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
Debt is past New York State Statute of limitations last payment made XX/XX/2006 And is stated on letter received after collection agency called I had to request letter did not send a head of phone call. Collector did not up date file for address or phone number at time of call there for had info and did not send initial demand letter prior to calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I demanded the following account be removed from my credit report : XXXX/XXXX XXXX XXXX account # 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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: OK

Complaint narrative:
I always pay early, I'm never late. I sent my payment of XXXX to Pacific union financial by check, on XX/XX/XXXX. And a check for XXXX to go towards ecrow  because I was told u was short. I received a letter saying my escrow was XXXX negative, so my new payment would be XXXX unless i could pay the XXXX. So I cancelled the check for XXXX and sent another check for XXXX to make the rest of the XXXX payment XXXX. I specifically wrote on each check, ''   housepayment for XXXX  " and on the XXXX check, I wrote " the rest of housepayment for XXXX " I wasn't contacted until XX/XX/XXXX a Saturday, 1 day before the grace period is up, and told u owe XXXX. They say that i paid XXXX towards the housepayment and XXXX was still short.I explained myself and was told they put it in suspension. So I called my bank.the bank only stopped payment on the XXXX check ( check # XXXX ) and that both other checks have cleared, and been deposited into XXXX XXXX Pacific union financials account. A different person called me and said my account was not allowing them to cash the check, and that I need to call my bank. I told her I have, and she got hateful.her name is XXXX. I was called this morning ( XX/XX/18 ) and spoke with XXXX .she says the e-mail XXXX sent to her superiors was rejected and that I owe XXXX. My credit score is a XXXX.I 've worked very hard on it. I'm affraid they're going to claim a late payment and put it on my credit.please help me with this!! I'm currently refinancing with XXXX XXXX because of all the problems with Pacific union.

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 2018-04-20 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX account re-aged ; XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX, XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX. I've disputed the accuracy with credit reporting agencies with no success. I have attached copies of credit reports for both years.

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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
i demanded that the following account be removed from my credit report : 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 explanation
Consumer complaint received 2018-04-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have contacted Wells Fargo about a identity theft fraud of my information and seen somone opened up an account in my name and charged XXXX on a credit card. I had the account closed and a day later they re opened the account, changed the account number and sent a new credit card out with the previous balance still to pay. I called again and asked why they reopened the account because I have never associated myself with them and never will and they were confused on why it was re opened as well. Im frustrated trying to deal with this identity theft issue but if this continues I will sue them. I told them also the address on file was not mine. The XXXX XXXX XXXX XXXX on my credit report is the person who stole my identities address. Also XXXX XXXX opened a fraudulent account as well and told me the account would also be closed but has not been closed and its been a month. They opened an account and the account does not even have my name spelled correctly.

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 2018-04-20 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: IL

Complaint narrative:
Experian is reporting inaccurate late payments on my credit report that has affected my ability to obtain credit and obtain employment, I was recently denied a job due to inaccuracies on my credit report. I disputed the late payment history with XXXX XXXX and they responded admitting to their errors. They are reporting XXXX, XXXX, XXXX as late when this is not accurate information. My payments are taken out of my checking account automatically every month ; 5 days before the payment is due each month. I was NEVER LATE, ever! I have disputed this incorrect information with Experian in the past and the information was not changed after their " investigation ''. 

Please update this information immediately as it has hindered my ability to obtain credit and employment.

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Best Buy has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reported on my Credit report ( see Experian report attached ) and it does not belong to me. I requested a thorough fraud investigation by Experian and they changed the status of payment as " Paid '' but I want it removed from my report. Also, " Your Statement '' section is incorrect.

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX receive the funds I didn't send to XXXX I sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit reporting agencies have wrong job information as current job. I work for XXXX XXXX where I been since XX/XX/2008.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Windy City Capital Management, LLC
State: TX

Complaint narrative:
XXXX Credit Card sold tobWindy City Capital Management, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Il XXXX. I received letter ant owed. I called and set payments thru pay bills from my checking acct. Paid a small amt as on all my medical/credit card bills. Windy city sold acct to XXXX XXXX XXXX who left threatening harrasing msg on my phone. I called them. They offered high settlements. We then agreed on XXXX a mth but wanted me to give them my credit card or bank #. Told XXXX and XXXX XXXX I would not. They would not give me their address/info. Gave a XXXXXXXX XXXX XXXX,, XXXX, IL XXXX. I told them I don't mail money to questionable comp who didn't send me validation notice, what I owe and info abt their company. Said I would see them in court. XXXX XXXX angry. Called XXXX with Windy City Capital Mgmt asked why I was being harassed after making a payment. She became very rude. Asked why she sent my acct to scam comp making threatening calls. She hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: TX

Complaint narrative:
I have multiple unauthorized inquiries on my Equifax credit report. I have attempted, telephonically to get Equifax to investigate these inquiries and requested them to be removed. I did not authorize the following inquiries : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX, XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have also attemptrd to reach out to these companies ( per Equifax 's advise ) and wad rerouted back to Equifax by these companies. I am requesting that these inquiries be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX, Experian, and XXXX ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like 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 non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
My husband & I purchased a vehicle through Prestige Financial. We were told that our interest rate would decrease as we paid the payment on time. Never once did we see a decrease. Once my health declined the note would be paid, but sometimes late. Prestige would call everyone listed on our account as a reference & tell them that our car is being repossessed! An absolute lie! They have contacted my landlord whom is NOT & NEVER has been listed as a reference! These people harasses & threaten customers to no end! This is uncouth & subject customers to become the object of ridicule! I have attached a few similar complaints from different customers. This company is referred to people going through hard times. These people only make life situations worse. They belittle customers & talk down upon them. Every customer service representative including the manger, has been extremely rude. This needs to be investigated & put to a stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/XXXX - Using my PNC online account, I made an early payment towards my XX/XX/XXXX mortgage loan payment in the amount of {$300.00}. 
On XX/XX/XXXX - PNC, using the auto-payment system, took the full amount of my XX/XX/XXXX mortgage payment even though the {$300.00} paid on XX/XX/XXXX had been credited to my mortgage. 
On XX/XX/XXXX - I called XXXX concerned about the {$300.00} over payment taken by PNC. I was told by XXXX XXXX that there was a glitch in the new payment system and that they were working to resolve it. She said many customers were calling with complaints and PNC was working hard to resolve the problems. I gave my information and was told my {$300.00} would be returned to my checking in 3 to 5 business days. 
On XX/XX/XXXX - I called PNC again because my {$300.00} had not been credited back to my checking account. I spoke with XXXX. I was told by XXXX that my {$300.00} would be processed back into my checking no later than XX/XX/XXXX. 
On XX/XX/XXXX I called again because I still had not received my {$300.00}. I spoke with XXXX who told me that he sees a record where a request by me had been processed, but it would take up to 30 days to be reviewed for the return of my {$300.00} over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation