vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Being sued for a loan from more than 13 years ago that I have no knowledge of applying for, no access to any initial loan information, never signed any promisary notes or agreed to being beholden to this debt, was a minor at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the XXXX XXXX XXXX XXXX and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from XXXX at XXXX XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX  from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.

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 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Thomas B. Peterman, P.A.
State: FL

Complaint narrative:
This company has been calling me and all my Family members. Impersonating lawyers, and threatening to sue, aggrevating, and harrasing.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-26 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: Westlake Services, LLC
State: TX

Complaint narrative:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. Westlake financial services has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked XXXX to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Leading Edge Recovery Solutions, LLC
State: LA

Complaint narrative:
Called my cell phone and was busy at work to answer and turned around and called me at work. When calling on cell, they do not leave voicemail. I have wanted proof in the past of who they are. I will not give my personal info since the bank sold my account to a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: IL

Complaint narrative:
I have 2 negative reportings of 30 day lates on XXXX and XXXX : XXXX   XXXX and XXXX of XXXX This reporting inaccurate and does not exist on XXXX. 

I've had the since XX/XX/XXXX, almost 3 years and I have never been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: TX

Complaint narrative:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. XXXX XXXX XXXX has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked Equifax to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My mortgage company has broke an important promise, they put me in a forbearance plan for 4 months to pay a lesser amount of mortgage payment and that the rest of the money was going to be placed behind the loan and at the end of the forbearance plan i will automatically start making the regular payments, now they want to foreclose my home unless i pay {$9500.00}. this was all due to a hurricane disaster program recommendation by the mortgage company servicing my loan. sincerely yours truly XXXX XXXX. 

PLEASE HELP US SAVE OUR HOME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: IL

Complaint narrative:
I reached out to Experian about someone elses name appearing on my credit along with that persons collection account was told it was a records error call back in 3 days. 2 weeks later no resolution..

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 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2018 i send a certified letter requesting portfolio Recovery of XXXX XXXX XXXX XXXX XXXX Va XXXX I requested for the original contract rom the client which they could not obtain due to this debt is not valid or mine they send me idolized statement from an address that i never lived at and claims i still owe the debt but this company has violated the 15 U.S.C. 1692g of the fair debt collection practices act. They have not removed this Debt from my credit report yet and they have violated the fair credit reporting act also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Solutions, LLC
State: MI

Complaint narrative:
Being sued for a loan from more than 13 years ago that I have no knowledge of applying for, no access to any initial loan information, never signed any promisary notes or agreed to being beholden to this debt, was a minor at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: DC

Complaint narrative:
Caliber did not receive a copy of property tax statement for first half of XX/XX/XXXX tax payments ; copy of property tax statement was sent to Caliber. Caliber incorrectly entered Lot ID, resulting in incorrect property tax payment. After being notified of issue, Caliber subsequently made correct tax payment. However, original incorrect payment ( made XX/XX/XXXX ) has still not been returned to our escrow account, despite over 6 months passing. As a result, escrow account is underfunded. Caliber subsequently did an escrow analysis ( XX/XX/XXXX ) and determined that escrow account is underfunded, resulting in increased escrow payment to take effect at a later date. Additionally, this resulted in an incorrect XXXX being issues, as it includes both the incorrect payment ( not yet refunded ) and the correct payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received an updated credit report from equifax yesterday. I was notified that my XXXX card card was removed off my credit report. This account is an account this is in excellent standing and should have never been deleted off my credit report. I am requesting to please report this account back onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to XXXX XXXX XXXX. My mother has a joint account that was being used at PNC and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Account reporting is inaccurate. Indicates 90+ days late up to XX/XX/XXXX ... However, at the same time, it shows status of " Paid Charge off '' with last activity XX/XX/XXXX. 

If that last activity was a charge off in XX/XX/XXXX, then how was I 90+ days late in XX/XX/XXXX I haven't had this account in many years and the balance has been paid since XX/XX/XXXX. 

There are also inconsistencies. Between bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 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: MRS BPO, LLC
State: PA

Complaint narrative:
My Bill From XXXX was under negotiation. The final Bill was not clear and not agreeable. Without any update the Bill was handed over to MRS BPO LLC collection company. I told then to stop calling and wanted to talk to XXXX but they kept calling and harassing me. Now there is a derogatory remark on my credit report and I am being shuttled between XXXX XXXX and MRS BPO LLC for making attempts to amend it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX  KEEPS RUNNING BACKGROUND REPORTS ON MYBEHALF, AND GETTING ME DENIED FOR XXXX XXXX XXXX XXXX AND XXXX. ALL BECAUSE I HAD A XXXX   XXXX CHARGE XX/XX/XXXX! IT WAS A XXXX. 4 YEARS AGO AND MY REPOSSESSION 4 MONTHS AFTER MY XXXX. BY THE WAY I COMPLETED 9 MONTH 'S OF XXXX AND 2 1/2 MONTHS XXXX XXXX XXXX AND ONE WEEK IN XXXX .... NOW IM BEING FINANCED THROUGH XXXX XXXX, FOR A NICE XXXX XXXX XXXX XXXX AND I JUST WANT TO XXXX XXXX ... ... .. ITS NOT THAT SERIOUS!!! COME ON

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.

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 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was shocked when I received my credit report and found late payments that I did not recognize. I'm not sure how this happened, I believe that my account got merged with someone else 's account. I have made my payments on time. 

Alleged Missed Payments 1. XXXX XXXX : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks. 

2. XXXX XXXX/XXXX  : I was never 120 days late. Please update to Paid as agreed, never late. 

3. XXXX/XXXX : I was never 30 days late. Please update to Paid as agreed, never late. 

4. XXXX/XXXX  : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Transunion. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Transunion has failed to provide the method of verification as required under Section 611 ( a ). 

Transunion has not only failed to provide verification ( written  documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Transunion updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

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 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing as a victim of the XX/XX/XXXX XXXX  security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I had a previous complaint with Diversified Consultants Inc ( XXXX ) which the findings from that complaint explained that they sent me an initial balance letter on XX/XX/2017. I did not request a balance letter, I requested a validation letter bearing my signature which they never provided. In that same complaint, they stated that they requested validation from XXXX and that XXXX would mail me a validation letter. I never received a debt validation letter from XXXX with something bearing my signature that said I am responsible for a debt. Furthermore, DCI is the company who is listed on my credit reports so they are solely responsible for sending me a validation with a contract I signed bearing my signature, not XXXX. 

Furthermore, after doing some additional research, I found out that DCI ( Diversified Consultants ) is not even licensed to collect in my state ( IL ) according to our Illinois state records so they should not be reporting anything to the credit bureaus in regard to me anyway! I would like all collection efforts to cease and as my initial validation request stated, I'd like them completely removed from all credit reporting agencies ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Dear sir, In the month of XX/XX/XXXX, we purchased furniture and " XXXX XXXX XXXX ''. They provided consumer financing advertised as 0 % APR for the first one year financed by XXXX XXXX. 

We availed that option, and within the first year, we were able to pay-off almost all of it. We were left with a balance of {$190.00} end of the year. 

While we were expecting that there will be only interest charged on the remaining balancing going forward after the 0 % APR expired, we were surprised to get charged a amount of {$670.00} as accrued interest on the account for all previous year 's balances, which we left very unfair. 

There was no verbal disclosure of any sort about it when we purchased it at the store, and even in the last statement that comenity bank mailed us, they did not disclose range ( $ XXXX- {$700.00} ) of the amount they were going to charge as accrued interest, if the payment is not made as of the last day. If their computers can print all the account information item wise, they should have the capability to print the range of accrued interest if the payment is not made. I overlooked their statement as it did not shoot out of normal, and when I called the bank, they declined to take the charge out of the account. 

As of yesterday or XX/XX/XXXX, I paid the account in full, but I ask your help in getting this reimbursed back. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation