vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 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: MS

Complaint narrative:
As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my Experian Credit Report { See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau ( CFPB ), to XXXX XXXX XXXX { See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my Credit File { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a six month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my Experian Credit Report ; but I am also sending this CFPB complaint to XXXX and XXXX Credit Reporting Agencies for a HEADS UP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANKERS HEALTHCARE GROUP LLC
State: OH

Complaint narrative:
Bankers Healthcare Group, Corporate Headquarters, XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX I have received several letters offering working capital loan up to {$250000.00}. The letters includes a user name and password to activate this loan. This leaves me vulnerable to someone else activating the loan and identity theft. 

I sent a letter XX/XX/XXXX to the above address requesting removal from their mailings. I have since received letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX with user name and password. 

Based from on-line comments concerning this company I am very concern about identity theft. 

I am retired and have no interest in a loan. I am tired of multiple loan letters especially with user name and password, with risk of identity theft. 

I am also irritated that my letter of XX/XX/XXXX was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
Failure to inform Credit Reporting Agencies of required disclosure " notice of dispute within the 30 day time frame set by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I was told that i needed to move out of an apartment complex before my lease was up even though i was on time with my payments. I was told by the office at that time that there would be no fee for me having to break my lease early since my XXXX was why i had to move out. I have tried to get a rental since then and i can't because there is a XXXX collection from the apartment complex on my credit report. I have tried to resolve the issue but not gotten anywhere and i need a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I began receiving calls from an unknown number on XX/XX/2018. The caller left numerous voicemails even after speaking to me. The caller stated that she is a process server and would be serving me at my home or job and instructed me to call XXXX with a reference number. The same caller left a message for me the same evening. This morning, XX/XX/18 she called again and left the same message. I called the number provided, XXXX and asked what company I was calling. He stated XXXX XXXX XXXX or XXXX. He proceeded to tell me that Bank of America was going to sue me for {$1400.00}. He said that I could either pay the amount in full or give a refusal after which XXXX Bank of America would proceed with a lawsuit. I stated that I would like to speak with Bank of America and he said he could not provide any contact number for his client. I advised him that I would still be contacting Bank of America. He then stated I needed to call back before the process server was scheduled to come out and serve me at XXXX today, XX/XX/18. The debt I had from Bank of America is 16 or 17 years old. It was reported on my credit by a bill collector and removed after the 7 year period. I no longer have any documentation because the debt is nearly two decades old. When I look up the phone number XXXX XXXX XXXX XXXX, it comes up as the number to a property manager. When I look up the business name they gave me, AXXXX XXXX XXXX, no business comes up, only the definition for 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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
I mailed this date ( XX/XX/18 ) a letter to A.R.M. Solutions regarding a debt they indicated of {$15.00}. indicating that I paid for a newspaper subscription in full. It ended. The XXXX XXXX continued to send me papers, after I advised their C.S.R. on the phone that I did not want to renew. I do not owe the XXXX or this debt collector anything.

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 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Approx XX/XX/XXXX, fraudulent charges against my bank account began to apply. The amounts varied from {$40.00} to {$200.00}. They hit several times a day, and have hit every day. I called the bank Friday Morning to address and stop. The bank just keeps paying them. they all start with the name 'XXXX B ', and then 20 random digits, followed by my full name, and the date. Even though the account went overdrawn several days ago, the funds are still being transferred out, simply driving the account further under. I have called 3 times, Bank ( Fifth Third ) refuses to prevent the charges, says the only action they are willing to take is close my account. My Mortgage is linked to that account, all my utilities, my credit cards. This almost identical situation happened a little over a year ago, and it took MONTHS to finally get things running smoothly. I had to spend 8 months chasing my Tax refund because it was somehow miss-routed and paid to the closed account, and then just 'disappeared '.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education
State: WA

Complaint narrative:
In XX/XX/XXXX, I applied for consolidation of two Utah Higher Education Assistance Authority ( UHEAA ) student loans, acct # 's XXXX and XXXX, through the Department of Education that were to be serviced by XXXX ( the only account numbers I have at this time are the ones listed on my credit reports ). The consolidation was approved and funds were disbursed to UHEAA on XX/XX/XXXX. At this time I was advised that all future payments were to be made to XXXX. Unfortunately a clerical error occurred and consolidation was rejected by UHEAA however I was not informed and representatives of XXXX did not appear to have any knowledge or record of the rejection by UHEAA and UHEAA representatives did not appear to have any knowledge about the status of the consolidation or that it was rejected. I was being billed monthly by both UHEAA and XXXX for the same loans, and both companies were reporting these accounts to the credit bureaus, unfortunately I could only afford to pay one company the majority of the time so I made XXXX the priority, considering I had received the consolidation paperwork and was told the consolidation was complete. As a result I fell behind on the UHEAA payments and they were reported as late payments on my credit reports. Multiple calls by me to try to resolve the double billing/payments to both UHEAA and XXXX were unfruitful, it took over a year of making calls, asking for forbearance 's and finally an investigation by the Department of Education XXXX office for resolution. 

As a result of the Department of Education 's Investigation the consolidation was finally successful on XX/XX/XXXX. Payments I had been making to XXXX during the previous 14 months were refunded to me and the accounts they were reporting on my credit reports were removed, however the negative marks on my credit reports regarding the UHEAA accounts remain. Juggling payments and forbearance 's between UHEAA and  XXXX and the financial hardship caused by this situation resulted in past-due payments to be reported to my credit files in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 60, 90 and 90 days respectively on both UHEAA loan accounts ( XXXX and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX XXXX including legal fees I received a call from a restricted number. The person on the other line claimed to be a processor and advised me to contact the following company regarding the matter. The number given directed me to XXXX XXXX XXXX XXXX. I was told that I am being sued for a debt that I have no knowledge of from XXXX. XXXX XXXX XXXX was rude and threaten that I would be sued and have to appear in court. In addition. I contacted the original creditor that I advised me the debt was sold in XXXX to XXXX XXXX XXXX that has since went out of business. I was told by the original creditor that the statue of limitation had ran out and that XXXX was using unlawful tactics to collect on a noncollectable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I paid the bill the first month late and assessed a fee which I take full responsibility for. However, I paid the bill the next month two weeks earlier and to my surprise still was assessed a late fee. I again said it was my fault and did not challenge the fee. The third month I mailed the payment overnight in a money order. It was three weeks early and they did not process it until a day after the due date so I was assessed a third fee. 

I realized they were not " up-standing '' in their billing practices. I stopped paying the bill because I was upset. I am willing to pay the full amount and the late fees that now owe. I My complaint has more to do with their billing practices. I would like someone to please look into these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
on XX/XX/2018 I opened disputes of debt validation with all 3 credit reporting agencies. Equifax, XXXX, and XXXX. Equifax and XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX and Equifax tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There was a purchase on my card where the merchandise was not received through XXXX and was not credited to my card. I disputed it with my credit card company and they reversed it and placed it back on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I got an email from a loan company named XXXX. This email came XX/XX/2018 This is the mailing address they gave me XXXX XXXX Prosper Marketplace , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I never gave this company my SSI number and certainly never gave them permission to run my credit. 
This company did NOT have permission to run my credit. 
I ask this company show my application through them, signature and full SSI number authorizing them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I traded in my vehicle and was told to not make any more payments to my old vehicle because the loan would be paid off from the new vehicle purchase. However, the transfer took to long apparently because i got a late pay put on my report. i have tried to resolve the issue since it was no fault of my own and was actually told not to make a payment because it would be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Caller acted as if they were not from collection agency in order to get me to continue talking and verify my identity. Did not indicate if call was being recorded or that it was an attempt to collect a debt. Indicated my payment was 4 months past due and I should get a lawyer or make payment today to avoid them suing me today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC
State: NC

Complaint narrative:
multiple calls with no message left on the answering machine - their number maps to XXXX  - apparently, a known abusive collection agency holding company. I owe no debts other than mortgage and a car loan - both are ahead of payment schedule and at last check, my FICO rating was XXXX! 

They are in violation by not identifying the company in caller ID and probably additional violations regarding their telephone practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XXXX XXXX I opened disputes of debt validation with all XXXX credit reporting agencies. XXXX XXXX, and Transunion. XXXX XXXX XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, Transunion and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on 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 2018-06-12 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: PA

Complaint narrative:
on XXXX XXXX I opened disputes of debt validation with all 3 credit reporting agencies. XXXX, Experian, and XXXXn. XXXX  and Experian have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX  and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on 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 2018-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I continue to make an additional loan payment each month. I direct the payment to be applied to my smallest balance loan but Navient continues to post the payment to both loans XXXX which are consolidated ) which in turn applies more of my extra payment to interest. Due date is the XXXX of each month. 
XX/XX/18 extra pmt of {$80.00}. Applied correctly {$77.00} principal and {$2.00} interest. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly {$48.00} principal and {$31.00} interest. 
XX/XX/18 Contacted Navient by phone. They stated they would correct the payment posting. It appears they re-applied {$10.00} to the principal but this isn't correct. Now {$59.00} principal and {$20.00} interest. Daily interest is {$1.00}. XXXX days of interest would be {$4.00} not {$20.00}. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly again. {$48.00} principal and {$31.00} interest. 
XX/XX/18 I emailed Navient requesting they re-apply both payments correctly. 

I would like to make extra payments each month and have them applied as directed without having to call and wait on hold for an extended period of time trying to get the payment posted correctly, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my XXXX  Credit Report XXXX See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau XXXX CFPB XXXX, to XXXX XXXX XXXX XXXX See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my XXXX XXXX { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a XXXX month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my XXXX  Credit Report ; but I am also sending this CFPB complaint to XXXX  and Transunion XXXX XXXX XXXX for a HEADS UP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my Experian Credit Report XXXX See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau XXXX CFPB XXXX, to XXXX XXXX XXXX XXXX See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my Credit File { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a six month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my XXXX  Credit Report ; but I am also sending this CFPB complaint to Equifax and XXXX XXXX XXXX XXXX for a HEADS UP!!!

Company response to consumer: Closed with explanation