vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been receiving demands from Midland Credit XXXX for many years. A considerable time ago ( probably at least 10 years ) I told them I had no knowledge of any outstanding debt and told them to send me details of their claim by mail. 

I clearly recall telling them that all further communication must be by mail, and that specifically they may NOT attempt to contact me at my work or through my family members. 

Several months ago they called my daughter looking for me to discuss " a credit issue ''. 

This morning at XXXX XXXX I answered a call that announced itself as being " on a recorded line '' at work where a male employee from XXXX asked to speak to me regarding " a personal matter ''. I did not admit who I was and told the caller I no longer worked there in an attempt to forestall further calls. 

Whilst the caller did not disclose the actual purpose of the call, it is obvious from " recorded line '' and " personal matter '' and finally from a XXXX search on the caller ID phone number, XXXX that this is an attempt to collect a debt. My employer has a strict policy about receiving personal calls at work and I have been in trouble about this with them before. 

I am reluctant to communicate directly with XXXX as i have read horror stories about them getting people to inadvertently " admit '' liability for non-existant debts. However I am tired of being persecuted in this way and would like to know how to stop the harassment and also how to prevent them selling my contact information on to other abusive debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These hard inquiries are not mines. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank

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 2019-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I spoke with Sallie Mae about my loans, indicating that I want to qualify for the PSLF program, and was told that I had the correct type of loan for forgiveness but none of the forms were created yet for the program as you need 10 years to qualify. I was told that being in forbearance wouldn't hurt, as it is a type of repayment plan multiple times then and until XX/XX/XXXX. 

My loan was transferred to Navient when Sallie Mae was defunct. I called them when I was transferred, and they assured me that utilizing income sensitive repayment options and/or the lowest payment amount, which at times was XXXX $ a month in forbearance, was fine for the PSLF program. 

In XX/XX/XXXX, after re-applying for income sensitive repayment again, I called again, and indicated that I could afford some payment and did not need a full forbearance, and they told me that I qualified for forbearance, and so that is the best thing for me to do. I asked what would happen if I sent payments anyways, and they said, basically nothing, because the balance and interest was so high that sending XXXX-XXXX $ a month wouldn't do any good, and wouldn't change my plan. At that time I was first told that I was not in a program that would qualify me for the PSLF program, and that in order to qualify for that program, I would have to re-consolidate my loans and have my husband co-sign them. She indicated that she was only telling me this because now she was " legally obligated to do so. '' She indicated that once I reconsolidated I could get into the right program but it would be 10 more years before I qualify, and as it has been 2 decades since my first set of loans, she didn't recommend it as I would be at the 30 year mark anyways. 

I have worked for public agencies with lower pay than public agencies, in public service, since XX/XX/XXXX. I have no idea how many " qualifying payments '' were made, as often the forbearance was the only option given to me. I suspect that I made roughly 6 years of payments in plans that don't qualify me for the program, and my debt is now over 200,000 $ and my interest rate remains over 6 %. I have been unable to get any clear information about what plans do qualify for the program, and any information from Navient. I don't understand why my husband would have to co-sign my student loans in order for me to qualify for a program that I should already qualify for due to my years of public service. There is no where to turn for answers as Navient is not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I was a XXXX customer who moved my mobile number over to XXXX. Immediately after moving my number over, I attempted to log on to my XXXX account to cancel it and pay my final bill only to find I had been immediately locked out of the account and got an error message that stated that there was no mobile number on file. I called XXXX in an attempt to ensure the account had been closed and to pay my final bill. I was told by the XXXX representative that I would need to wait until the billing cycle closed and to call back on a particular date, and would then be able to pay the pro-rated bill over the phone. My wife called in after that date and paid the remaining balance in full and was told she'd receive an email confirmation. We never received one. Eight ( 8 ) days later, we received a notice in the mail from a 3rd party collection agency, Convergent Outsourcing , inc . I called XXXX about the notice and they confirmed the account was paid in full and there was no record of having turned it over to Convergent. XXXX stated that even though the account was closed, they weren't able to provide me with a receipt for the phone payment I made, or, any documentation to confirm closure of the account and suggested that I contact Convergent. The next day I called Convergent, and after being given four ( 4 ) different phone numbers to call within that agency with nobody finding a record of the notice they sent me, I finally was able to speak to someone who confirmed that the account was inactive, and there was no dept or balance due. However, they refused to send me judgement or verification of the dept, even though on the notice it states that if I contacted them within 30 days of receipt of the notice, a copy would be mailed to me. I spent 53 minutes on the phone and spoke with 5 different people including a supervisor to get to that point. As a consumer, I find it extremely troubling to be put in a vulnerable position of no written proof of closure, and having to rely on the same people who erroneously generated the dept collection notice to have competently resolved the issue.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquires below are not mines. some have been deleted in the past. 
Inquiry details XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry fromXX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXXAutomobile Dealers, New XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry fromXX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XX/XX/XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX  Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I submitted an online dispute with XXXX regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, XXXX  has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
According to my understanding of the Homeowners Protection Act, PMI should be removed from my mortgage payment when my loan to value reaches 80 % or less. Currently, my loan balance is XXXX, and my home value according to XXXX, is XXXX. That puts my loan to value at approximately 48 %. My current mortgage company refuses however, to remove the PMI from my payment. The response from XXXX XXXX XXXX, customer support associate, is that " per FHA regulations, as the loan was assigned an FHA case number after XX/XX/XXXX the annual MIP will be automatically terminated when the loan is eleven years old, which will be on XX/XX/XXXX. The mortgage was first originated all the way back in XX/XX/XXXX/XX/XX/XXXX, and has been sold/resold several times since then. I also refinanced back in XX/XX/XXXX with XXXX XXXX XXXX, and then the loan was sold to M & T bank who has it now. So, what is correct the Homeowners protection act or M & T bank?

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 2019-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My loan with XXXX XXXX XXXX for my XXXX  XXXX XXXX was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.

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 2019-03-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My loan with XXXX XXXX XXXX for my XXXX XXXX XXXX   was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: VA

Complaint narrative:
My loan with XXXX XXXX XXXX for my XXXX  XXXX XXXX was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.

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 2019-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
Called I. To pay off my current loan Ace said they had to wait until Monday because they already took a payment today and I would have to pay extra in fees based on the days. They said that because of my state they cant take more than one payment. If I authorize them to take the money now they should be but they said they couldnt and I would have to make extra payments it was all due to my state and not the company greed. After being upset I called back and asked if I could go into one of the stores I was told yes and the woman at the store said I couldnt because even though its the same company she could t see anything due to their system. I asked her to call that I was trying to avoid extra fees and she refused to even try. You should be able to make a same day payoff and they are refusing, I feel like its some scheme for the company to take advantage of people and this is what call actual. Lawsuits are about. Im more than sure Im not the only person having these types of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: IL

Complaint narrative:
When I logged into my BB & T mortgage acct. to make a principal only payment, I noticed that my monthly home mortgage payment had increased. I then searched all areas of my online acct. to try and locate a payment change notification. I could not find this information. I believe their website is purposefully insufficient because the information was not there. Next, I called them to inquire about the increased payment. After speaking to XXXX XXXX, and later to her supervisor XXXX XXXX, I became concerned with BB & T 's business practices. They needed my full social security number and my date of birth to pull up my account. I objected but provided the last 4 digits  of my SS #. Then they required going over my current profile information for even more identification and I had to stop them when they read my phone number incorrectly. They had the wrong area code for my phone number. I have had this acct. for years, and now my phone number was suddenly incorrect. I as logged in to my online acct. at the time, and so I asked if I could correct the area code myself. They said no. They said they are the only ones that could correct the area code, and would only do so if I would provide them with my entire SS # and DOB, over the phone. I explained that I felt this was unreasonable, and that I did not want to do both because I was on a cell phone and in front of my computer, and that I believed that providing both over WIFI could put me at a higher risk for identity theft. I bank with XXXX, and have also banked with XXXX in the past, and they have never required me to give both of these items over a cell phone. Especially, to just change the area code of my phone number, a telephone number that I was currently speaking to them on, and that they could easily verify. The area code was wrong but the rest of the phone number was correct. I asked if they could even call that number, with the bad area code and see for themselves it's incorrect, or check my loan origination records on my account, or use the area code in my billing/mailing address on file, to call me back on that area code. I asked if they could send me an email using the email on file or by something else that is on my account to verify, once again, that it was actually me. So, my refusal to give my full SS #, and DOB over WIFI, they refused to correct the area code on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: FL

Complaint narrative:
On XX/XX/2019, I submitted an online dispute with TransUnion regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, TransUnion has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.

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 2019-03-01 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: Kriya Capital, LLC
State: OK

Complaint narrative:
XXXX XXXX sold an alleged debt not owed by person shown 'responsible for debt ' of {$440.00} generated in XX/XX/XXXX to a company called XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX. The alleged debt was posted to the account with a falsified date of XX/XX/XXXX. 

The debt was disputed and shown to be in error and reported to the FTC. XXXX and XXXX were contacted with cease and desist letters notifying them of Fair Credit Reporting Act, 15 U.S. Code 1681c, and the Oklahoma statute of limitations for debt collection which has shown the alleged owed debt is time barred ( 1295 ( 1 ), and can not legally be posted to the referenced credit report. The falsified debt was removed from account, and XXXX and XXXX stopped contacting for payment. 

XXXX and XXXX then sold the false debt to another company, Credence Resource Manage, XXXX XXXX XXXX, XXXX, MI XXXX, which posted a false date of XX/XX/XXXX of account debt opened. They have attempted collection of a debt which is over 8 years and three months old, and posted an incorrect and falsified date to a credit report, which is a direct violation of federal and state laws. 

This is the second time dealing with this issue, and it continues to be a problem with multiple companies selling off a debt not owed and ruining my credit history, showing me to have bad credit for a debt which isn't owed and doesn't even fall within the legal timeframe for debt collection Since this is the second complaint against XXXX for the same alleged debt, I'm considering suing.

Company response to consumer: Closed with explanation