vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
According to my credit reports, XXXX XXXX XXXX has submitted a collection for an outstanding account. I have contacted XXXX XXXX to inquire with no avail. I have requested proof of service, proof that it is my account, proof of the actual balance owed, proof of signature for stated account and any proof of dates of service. I have not received anything and according to them, this account was opened in XXXX, not XXXX. Now this account is listed with a Collection agency and they have been very unprofessional in trying to have this negative information removed from my credit reports.

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 2017-06-07 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: U.S. BANCORP
State: CA

Complaint narrative:
US B ANK IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTE D US BA NK SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  US BANK  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 2017-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Back in   XXXX   XXXX     I went to  XXXX   XXXX   XXXX  for an oil change and I came out driving a new   XXXX    XXXX   XXXX   XXXX . My monthly payments are currently {$530.00}. I have tried numerous times to get out of my issues but I have been denied over and over again. I currently owe {$17000.00} on a car that costs {$23000.00}. Which does n't make sense to me or anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Utility company is stated that there is an outstanding amount on an account from 2014 that I had at a previous address. This account was paid in full when the account was closed due to no longer needing service. There was credit on the account for a security deposit that was paid originally, leaving a small portion that was paid over the phone at time of disconnect. This was for the address XXXX XXXX XXXX, XXXX, WV XXXX. I was renting the home at that time for a short period before relocating to XXXX for work. When I received a statement in the mail for XXXX XXXX I immediately contacted them to inquire to this outstanding amount. The statement was for service for a period of time that we did not vacate the home. This was the reason for the immediate concern and spoke with customer service which stated that they see the disconnect and dates that service was disconnected but for some reason service was not disconnected but transferred to another person. I explained that I was not responsible for this amount and they told me that it would be taken care of. I never received any further information from them and assumed it was taken care of. Now this information is on my credit report with a collection agency for the power company. I need this removed civily or I will be forced to file suit against the for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My name is  XXXX   XXXX   XXXX  and I got a car loan from Santander consumer USA. The loan was to mature  XXXX . The original cost on the car was  XXXX . I put down  XXXX  dollars and my monthly payment is  XXXX  for 60 months. So far I have paid  XXXX  dollars plus and additional  XXXX  each month to submit my payment over the phone which abruptly stopped about 6 months ago. Just to make a payment I paid an additional  XXXX  dollars t o Santander consumer USA.      On top of all this, I has contacted the company about 3 months ago to pay off when I was told that an additional  XXXX  dollars has been added to my account. I was given a 10 days grace period and have been paying my bill on time for the pas t 5 1/2 year s until I was told that I was charged  XXXX  dollars for each day after the due day of   XXXX   XXXX   for all these years. I contacted them and they refused to do anything. Please help me,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I received extensive XXXX services approximately XX/XX/XXXX my daughter received some minor services on the same date XXXX XXXX 2 to be exact they charged for 4 total she never received 2. I paid up until XX/XX/XXXX and I continuously asked for an itemized statement showing that the 2 charges of {$180.00} each totaling {$360.00} were removed and that I would not pay any additional money until I received this statement. on XX/XX/XXXX I went into the office and spoke to an employee XXXX who stated my account balance was $ 300- {$400.00} but he did n't understand the accounting of it and that XXXX who was in charge was on vacation and he would have him call me 2 weeks passed and I called and left message with XXXX for XXXX to call back he never returned my call. On XX/XX/XXXX XXXX text me stating my account would go to collections for non payment I advised him I have never received an itemized statement as I had requested he stated I could request from collections agency. I received a collection letter on XX/XX/XXXX in the amount of {$740.00} I will also be sending a letter to 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 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint replaces complaint XXXX. It is not a duplicate. I needed to give a more clear view of the transactions. These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me. In addition, the dispute department failed to honor my dispute based on groundless claims such as log in attempts to my account coincides with transactions which is ridiculous. I log in to my account almost everyday whether I am making transactions or not. In addition, I informed the representative I kept my pin number on my card which could have made it easy for someone to use it whether I had my card in my possession or not.
The team had 3 weeks to investigate and decided to take me through the stress of waiting for a decision. A decision that could have been made in a few days at best. Why send me a new card to only reject my claim? I am upset about the way they do business and how a simple solution has turned into something complex. The money is not a lot of money to me and it is not worth the hassle Capital One is putting me through. I do not recall these transactions and unless they proved the transactions was made by me .... The dispute should have been honored and I should have been issued a refund. Period!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Upon checking my credit today I noticed a derogatory mark from Persolve LLC for the amount of {$3500.00}. I have never received a phone call and or notice via mail/ email regarding this collection. In addition I have no idea what this account is regarding. I have settled all my medical bills and or pas old debt so I am clueless to what this is regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: CA

Complaint narrative:
XXXX   XXXX  IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX   XXXX  SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX   XXXX  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 2017-06-07 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: CA

Complaint narrative:
XXXX    XXXX   IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX    XXXX   SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX    XXXX   TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: CA

Complaint narrative:
XXXX   XXXX  IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX   XXXX  SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX   XXXX  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 2017-06-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has failed to respond back to investigation I requested pertaining to  XXXX   XXXX  been over 30 days

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 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On  XX/XX/XXXX  our home located in  XXXX   XXXX , GA was heavily damaged due to hurricane  XXXX . The house was flooded, a large tree fell on the roof causing it to cave in and bricks were also torn away. The homeowner 's insurance is issued through  XXXX   XXXX   XXXX  and the insurance adjustor was sent to inspect the property. They issued us a check in the amount of {$58000.00} made payable to the home owners and Bank of America the mortgage holder. Because of the amount of the check, it was endorsed by home owners and mailed to  BofA Insurance Processing Center  to be sent in increments for repairs to the home. We received a check in the amount of {$20000.00} on  XX/XX/XXXX  and a check for {$20000.00} on XX/XX/XXXX . After each chec k BofA  has sent someone out to inspect the home to be sure all repairs are completed. We are now waiting on the final installment to complete work so property can be put on market for rental. We have been in contact with Bank of America since  XX/XX/XXXX  and have sent all requested information but they will not release final payment and has not given any legitimated reason as to why the check has not been mailed. The last fax on information requested was sent to  XXXX   XXXX  on  XX/XX/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 monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I had a  Federal Tax Lien fil ed in error on  XXXX   XXXX ,   XXXX  . The IRS realized it was an error and issued a withdrawal on  XXXX   XXXX ,   XXXX  . The withdrawal was sent to th e Register of Deeds in my county  but Equifax and  XXXX   XXXX  never reported the withdrawal. I filed a dispute and reinvestgation but Equifax insisted the information from  XXXX  was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
nam e resurgance legal group LLC,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ILL, Re subject CC account number   #  XXXX ,  ref #  XXXX  to whom this  XXXX  concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of  XXXX  I prefer a " true bill '' but will accept a statement [ by  XXXX   XXXX  ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form.   please be advised you are also in violation of information breach, as i will provide the app licable law [ s ] in my nex t complaint thank you very much,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been trying to get the inquiry 's off I have been calling and sending letters and still no answer I would like them to be removed because I did n't apply or inquiry about any of 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 2017-06-07 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: TN

Complaint narrative:
In XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was dated XX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until XX/XX/XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XX/XX/XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone on XX/XX/XXXX. That is reflected on my Bank statement on XX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.

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 2017-06-07 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: TN

Complaint narrative:
In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was datedXX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone onXX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.

Company response to consumer: Closed with explanation