vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-22 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: GREAT LAKES
State: NY

Complaint narrative:
My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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:
I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies XXXX has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX. XXXX XXXXXX/XX/XXXX. XXXX O XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX- XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: NY

Complaint narrative:
My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: NY

Complaint narrative:
My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.

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 2018-04-22 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a  Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt.

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent me a letter stating I owed Barclay 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of XXXX XXXX XXXX and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!

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 2018-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CO

Complaint narrative:
I had a XXXX XXXX rewards card issued from US Bank. Back at the end of XXXX, around the XXXX to about XX/XX/XXXX an old roommate had stolen my card number and gained access into an online banking for the card. He then made numerous transfers to other prepaid cards. The money was supposed to be for savings and it had about {$4900.00} on it. The card wasnt being used by me so I didnt notice the money was gone. I randomly one night wanted to check the balance and wasnt able to log in to my online banking so I called customer service at that point I learned my account was deactivated and the money had been stolen. I immediately notified law enforcement and through another unrelated incident, they were able to charge my old roommate with criminal charges. I fought for two weeks with customer service to even be allowed to file a dispute since the card was deactivated. I was finally allowed to and I sent them all the court documents and even a notarized statement from the defendant admitting to the crime. They responded the dispute was not in my favor. I then got a signed letter from the district attorney and with that they reopened the dispute. They had 90 days to resolve it. I called in and emailed their Financial Intelligence Unit at least every day for 4 months never had a answer I was always told that they escalated it and I would receive a response in 72 business hours, I recorded phone calls with them where they were caught in lies. They did not resolve it in 90 days its was almost 120 days and even with all the court paperwork and someone in jail for the crime they still said the dispute was not in my favor and I can not reopen the dispute. One of the transfers off my card they suspected was fraudulent and its froze on another account so they suspected fraud enough that they froze that transaction but yet come back and say they believe I authorized it. Both defendants have been released from jail by lawyer has contacted them and they personally have called customer service and told them everything and they still wont do anything or release the money they froze on a card. I have verified every single thing they wish me to verify and still will not help me and Im out {$4900.00} as of now.

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 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONS RELIABLE LENDING LLC
State: TX

Complaint narrative:
I believe I am a victim of Predatory Lending. Below is a detailed account : 1. My interest rate is 6 % for a Conventional Loan.

2. There are 8 excessive hard credit inquiries on my credit report from the same lender with a few of them occurring on the same dates. Dates are : XX/XX/XXXX ( 3 times ), XX/XX/XXXX ( 3 times ) and the last one was XX/XX/XXXX ( 2 times ). 
3. My Mortgage payment is unaffordable- {$1500.00} I feel that I have been taken advantage of. My file was submitted to underwriting on XX/XX/XXXX and I received conditional approval on XX/XX/XXXX via email. I electronically signed the initial closing disclosure on XX/XX/XXXX and the disclosure stated my expected closing date was to be XX/XX/XXXX. However, I never closed on the loan. I called the branch and wasnt able to get a firm answer as to why. On the morning of XX/XX/XXXX, I went to the branch and spoke with the loan officer and branch manager on site. I was told my status for the loan was now refer with caution. Furthermore, when I met with the loan officer and branch manager, both  gentlemen appeared to be under the influence. There was an odor of XXXX and it came from the manager who was sitting directly to my left. As I expressed my concerns, the loan officer sitting across from me at the table was slouched down in his chair and his eyes were red. After asking a few questions, further investigation and reviewing my most recent credit report, I saw that the mortgage company put 8 hard credit inquiries on my credit file since XX/XX/XXXX. 

If needed, I have a witness that is willing to write a statement regarding the details above.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Attached to this complaint is documentation for review. I am a victim of identity theft. The following accounts, collection account and credit inquiries are fraudulent, unauthorized and arent mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX, XXXX XXXX  XXXX. I filed a police report with the XXXX County Sheriffs Office for the fraudulent accounts and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report. The police report case number is : 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 2018-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This complaint is against XXXX XXXX XXXX ( XXXX ), a debt collection agency. The agency did not follow the procedure stated in their demand for payment. 
The first statement and demand for payment includes the following statement : If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. I sent a written dispute, and have not received any further communication until a second statement and demand was received two months later. 
Chronology : XX/XX/XXXX : Received 1st statement and demand for payment ( {$350.00} ) dated XX/XX/XXXX XX/XX/XXXX : Mailed dispute letter with proof of debt satisfied by certified mail, return receipt XX/XX/XXXX : Received and signed by XXXX XX/XX/XXXX : Received 2nd statement and demand for payment dated XX/XX/XXXX The above documents are attached. 
It appears XXXX is insisting that I pay even though I have disputed the debt and have never received verification of the debt. I believe there is no verification since the obligation was fully satisfied by my insurance company. Further, I now assume XXXX has attacked my credit rating. I did not rate over 800 credit rating by being a deadbeat ; I have never failed to pay a debt in my life. I can not get the hospital or the collection agency to actually pay attention.

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 2018-04-22 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:
Im a victim of identity theft. And i have witnessed inquiries i did not authorize nor were made aware of. This is holden my credit in a negative position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
Hello, I paid off my loan with Mercedes Benz Financial since XX/XX/XXXX however, till date I have not received my title. I have reached out to them multiple times most recently on XX/XX/XXXX and was given the same run around including that it was mailed on XX/XX/XXXX. What I received in the mail specifically has a disclaimer in bold letters on top, stating that " THIS IS NOT YOUR TITLE ''. I've consistently brought this to their attention and still no resolution. On my last attempt, the rep indicated that I had to pay to receive my title. This fee was originally included in my payoff quote last year, since I haven't received what I initially paid for, why charge me again? 
In my family, we have a long history of Mercedes Benz ownership, and until recently Mercedes Benz have commoditized it's brand, which has led to extremely low standard, deceptive practice, and poor customer service. This is yet another horrific experience. I simply want to be done with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed negative information on my credit report from XXXX XXXX XXXX 's Account number XXXX with Experian several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to Experian on three separate occasions via certified mail. I am requesting that Experian to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off Experian clearly ignoring federal law.

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 2018-04-22 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt. 

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have disputed negative information on my credit report from National Credit System 's Account number XXXX with XXXX several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to XXXX on three separate occasions via certified mail. I am requesting that XXXX to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off XXXX clearly ignoring federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of David A. Bader, LLC
State: OH

Complaint narrative:
Collection agency claims that a judgement was ordered XX/XX/XXXX to pay. I received notice from my employer in XX/XX/XXXX that my paycheck was to be garnished. ELEVEN YEARS AFTER THE JUDGEMENT

Company response to consumer: Closed with explanation