vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are 2 Georgia State Tax Liens on my credit report for XXXX and TransUnion and they are incorrect. 1. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$2500.00} and 2. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$5600.00}. As displayed on the most current Georgia Delinquent Taxpayer list, my name is NOT on this list. I do not owe this money. Please have these 2 liens removed from the XXXX and TransUnion and XXXX Credit Unions.

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 2017-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XXXX XXXX, 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XXXX XXXX, 2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt.
I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FOCUS FINANCIAL SERVIC XXXX and XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Filed a dispute XXXX/XXXX/XXXX with credit Bureau TRANSUNION regarding 3 account listings by by creditor XXXX and or XXXX XXXX, which requested they remove all innacurate, false, and erroneous information from my Transunion credit file. XXXX XXXX and or XXXX XXXX was notified as well via notification sent XXXX/XXXX/XXXX at both credit file listed contact addresses to remove all inaccurate, false, and erroneous information from all my credit files Transunion, XXXX, and XXXX within 30 days in which creditor has failed to fully comply. Received results of the Transunion investigation XXXX/XXXX/XXXX in which some information was corrected but not all and some innacurate, erroneous, and false information still remains such as a false account verified thru investigation as accurate and updated, which is totally false, innacurate, and erroneous and this account is not mine. Innaccurate account dates and etc., that will be addressed further in complaint letter that wiil be submitted with this complaint. Evidence submitted to support Transunion complaint should have been sufficient enough to resolve and correct the disputed inaccurate, false, and erroneous information contained within my credit file and reported by creditor XXXX and or 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 2017-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NATIONWIDE RECOVERY SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWIDE RECOVERY SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit report shows extremely vague public records ( no details ) that I am unfamiliar with. I understand that as of XXXX 2017 public records are not even supposed to be on credit reports. I contacted TransUnion about this about a week ago and filed a dispute. I recently received an email from TransUnion that the results of their investigation were complete. I called into a representative since I could not log into website and told that the public records were still on my report. I asked why and representative told me that he could " refile my dispute ''. I told him that first of all the information is vague on the public records and is n't true that public records are not even supposed to be on credit reports. The representative agreed with me. So why is it still on my credit report?

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XXXX XXXX, XXXX after my mother 's death on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXXand continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, XXXX and Experian. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, 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 2017-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am sick and tired of this company sending repeated letters about a debt I dont owe to them. I have requested they stop contacting me and yet they keep sending me information stating its in response to my dispute ... I HAVE NOT FILED A DISPUTE WITH THESE PEOPLE! EVERY WEEK THEY ARE SENDING ME LETTERS AND IM TIRED OF IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I attended school online via XXXX University as well as XXXX College from XX/XX/XXXX-XX/XX/XXXX. At the time I was unaware that my high school diploma was from an unaccredited school. I contacted my loan servicer to make arrangements to pay back my loans which are totaled at {$48000.00}. I received a letter from a debt collection agency stating they 'd purchased my loans from the Department of Education. I contacted the Department of Education once again on XX/XX/XXXX to make arrangements to pay back my loans but was redirected to the debt collection agency and no one answered so I left a voicemail. These student loans are updating monthly showing a negative status and impacting my ability to purchase a home and I am unable to contact anyone to make payments or arrangements to bring the loans current. These loans have also affected my ability to gain employment which is kind of contradictory. If I ca n't get another job due to these loans, how am I supposed to pay them back? I 've tried for months to contact someone with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: AES/PHEAA
State: PA

Complaint narrative:
I am a XXXX XXXX XXXX working toward Public Service Loan Forgiveness with FedLoan Servicing.  For my latest employment certification, I was informed that I had 57 payments (of the required 120) credited toward the program.  As noted in my last billing statement, FedLoan Sevicing indicated I had 50 payments according to their records.  I contacted customer service, and the individual said someone would review my account.  A few days later, I received an employment certification form with no explanation of why I had lost 7 payments credited to my account.  This is now the second time in which the number of PSLF payments credited to my account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I paid off my loan to XXXX XXXX XXXX XXXX online. Because their website is so awful, I could n't find the exact payoff amount, so I estimated. I overpaid them by {$100.00}. I called them immediately and they said that when the payment cleared, I would be sent a check within 10 days for the refund. The payment cleared on XX/XX/XXXX. I did not receive a refund check, so called the first part of XXXX. I was told that Hurricane XXXX had shut down their XXXX office where the refunds are processed ( never mind that 22 days lapsed between my payment clearing and Hurricane XXXX ), but that the office was open again and a refund check would be issued immediately. That was 3 weeks ago. Still no refund. Every time I call customer service I 'm given the run-around and told that they are issuing the check immediately, then it never shows up in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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:
After correct reporting for 6 years, Experian suddenly starts reporting my bank credit card was subject to a chap XXXX bankruptcy. My bank XXXX XXXX, has correctly reported this account was exempt, fully paid every single month for over 6 years, open, and had a XXXX balance at time of incorrect report. XXXX has previously call Experian the last time they screwed it up, that stayed fixed for 6 months, now revert to incorrect report. 
Please forward this complaint to the FTC, as their penalties ate not effective in correcting the biased CRA reporting. They continuously violate CFPB, FTC, and FCRA regulations and display utter disregard for consumer interest.

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 2017-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Platinum Holdings Group, LLC
State: WI

Complaint narrative:
This company did a lot wrong first they call my daughter 's work and scared my daughter. They talked to one of my daughter 's co-worker 's and told her he was a process server and had to serve me papers because I was been sued. Then when I called and told them I do n't owe the debt they kept threatening me at work, Told me if I did not pay right now they were going to sue. When I ask them for paper work they told me they do n't have to give me any. That the debt is in the judgement phase and I got to pay it right now.The company has three names XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The phone number is XXXX. I never got a loan for here and these people are harassing me and my family. When I looked on the web this looks to be some type of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc.
State: FL

Complaint narrative:
I called in on XXXX XXXX, 2017 prior to the payment being due to request for the minimum payment to be removed due to natural disaster hurricane XXXX in Florida. The specialist told me my zip code was not showing as an impacted area. I advised them it was declared on fema.gov website it was and was told to call back in two weeks. I was forced to make a payment that I needed for food and gas. I'm also wanting to see if I can get a temporary credit line increase for the natural disaster relief act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened my account on XX/XX/XXXX in responding to a web ad saying XXXX opening bonus if you complete 2 direct deposit of XXXX or more. It also says Well automatically apply the {$200.00} offer promo code when you apply online. I called and was told there was no promo code attached to my account at opening. It has been over 5 months and still no XXXX dollars. 

I read that many people are having the same problem. BMO Harris is the worst 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 2017-09-20 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: CA

Complaint narrative:
I owe XXXX to Navient. XXXX XXXX I went on vacation from XXXX XXXX and came back homeless. I found a place to live again and was scheduled to resume my studies in XXXX XXXX. Then, the school shut down and I they said I owe XXXX i do n't know what to do. i want to resume my studies in XXXX but dont want to pay more loans

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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:
XXXX XXXX TransUnion Please be aware that I 'm not a credit company, so do n't allow your computer to label me as that I 'm a human being that knows my rights. I wo n't except no response other than this situation being fixed. No excuses from you. 

I contacted all three bureaus today and I mentioned that I want all fraud alerts removed permanently. This has been causing a problem for sometime now. Please remove all fraud alerts within 24 hours I do n't feel comfortable sending personal documents through the mail and I hope that you respect my decision. I do n't know why a fraud alert is reporting on my credit report and i thinks it 's because of the breach. If my credit file was breached I will take immediate actions against al three bureau for damages in a civil court room in XXXX FL within the next month. I have unknown inquiries on my credit file I 'm convinced my credit file has been breached and for every error I will make it my job to have my lawyer take legal actions. If for any reason a fraud alert is placed on my credit without contacting me there will be major consequences. I 've contacted BBB and FTC to file my complaint. You have 48 hours to fix this XXXX. Any inquiries that you see since XXXX 2017 is n't mine sorry.

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 2017-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, XXXX Please be aware that I 'm not a credit company, so do n't allow your computer to label me as that I 'm a human being that knows my rights. I wo n't except no response other than this situation being fixed. No excuses from you. 

I contacted all three bureaus today and I mentioned that I want all fraud alerts removed permanently. This has been causing a problem for sometime now. Please remove all fraud alerts within 24 hours I do n't feel comfortable sending personal documents through the mail and I hope that you respect my decision. I do n't know why a fraud alert is reporting on my credit report and i thinks it 's because of the breach. If my credit file was breached I will take immediate actions against al three bureau for damages in a civil court room in XXXX FL within the next month. I have unknown inquiries on my credit file I 'm convinced my credit file has been breached and for every error I will make it my job to have my lawyer take legal actions. If for any reason a fraud alert is placed on my credit without contacting me there will be major consequences. I 've contacted BBB and FTC to file my complaint. You have 48 hours to fix this XXXX. Any inquiries that you see since XXXX 2017 is n't mine sorry.

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