vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I starting receiving multiple calls a day approximately 2 months ago from a collector who refused to identify themselves. In early XXXX, the man who called again refused to identify himself and ended the call stating he'd send me a letter. Approximately XX/XX/18 I received a letter from B.C. Services of XXXX, CO. regarding a medical bill. I was finally able to connect live with XXXX on XX/XX/2018 at approximately XXXX XXXX. XXXX with in the first couple words spoken became very abusive although I was calling to set up payment arrangement on my account. He was attempting to collect information on a previous family member to which I responded that I had nothing to do with that individual and I strictly was calling in efforts to resolve to my account. He kept demanding that I give him the information and told him he'd be serving me a law suit. I again reiterated I was calling in regards to my account and wanted to make payment arrangements. He said he would not set up payment arrangements and disconnected the line. I called back and he answered again. I told him I wanted the fax number to the office he refused and asked what I wanted to the number for. I told him he was obligated by law to provide the information to me and demanded it again. He then stated I could speak to a supervisor and transferred my call. at XXXX XXXX I spoke with XXXX XXXX ( female ) and explained that I was well aware of my rights, that XXXX had engaged in illegal abusive debt practices and I would not tolerate it whatsoever. She was kind, indicated she'd listen to the call, and speak with him. She also set up a payment arrangement on the account. I feel this needs to be addressed with this company as this in not the first time in my life dealing with them, and each time they behave in the same manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Closing on my home XX/XX/XXXX and can't because XX/XX/2018 Experian reporting Inaccurate information on my credit report Experian is reporting that I owe XXXX on my student loan and Ive contacted the student loan people 's they saying my balance is XXXX and I don't owe anything I also have the proper paperwork from the department of education/XXXX I also have a recorded conversation with the student loan people 's saying that Experian is reporting Inaccurate Information on my 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 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an address on my account that does not belong to me.

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 2018-10-05 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: CL Holdings LLC
State: PA

Complaint narrative:
XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # :XXXX Amount XXXX I contacted XXXX and XXXX 12times.  I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX   the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They show that I paid late but it was actually as a result of their late fee which I was never informed. They never attempted to contact me either. I have tried through all three credit reporting agencies and also directly though XXXX Bank who refuses to rectify the problem.

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 2018-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
I received a loan from XXXX that I did not apply for. However, somehow they deposited {$400.00} into my checking account and sent me a loan agreement that they stated I signed electronically, however, the IP Address doesn't match. They now want to electronically withdraw {$1600.00} in order to pay the loan back in full!! They actually have a 766.56 % annual percentage rate!! Even if I did apply for the loan, how is THAT legal?? I need to find out what I need to do in order to report this company so they do not steal people 's information again. When I contacted the company the asked for my personal information which I did not give. How BIG does this scam really go?? HELP!!!

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 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I was opening my mail on XXXX XXXX. I had not had time till then. I was working from XXXX to XXXX trying to make up time I had to take off because of an accident In XX/XX/2918. I came across a letter nothing on it printed as important info. Not a signed reciept letter. It said they would be foreclosing on my house XX/XX/2018. Due to my injury and school where I clean. Had cut my hours to 1 or 2 hours for the summer. I fell behind a month but I had been paying a month behind with the late fee. I was not notified I had a problem till XX/XX/2018. When I got a check for {$40.00} and this letter. This should have been sent signed reciept if it was that important. They had been accepting my payments for 3 maybe 4 months then bamm they come out of the blue with 20 days to come up with another {$700.00}. This is unfair. 2 years ago they charged me extra a month for 9 months because they forgot to add in my insurance to my bill. I played my bill as they said I owed promptly on the first but then I had to come up with {$200.00}. More in full. I had to pay it on the XXXX when I got payed again. That is not fair either. I spoke to an attorney he said I could either pay him or the mortgage company .big business I could not win. Thus us unfair.

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 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX, I was checking my annual credit report and i saw that voss & klein was reporting a debt that is not owed for services rendered at XXXX XXXX. I contacted them and requested them to validate the debt and they supplied me with multiple invoices, 3 that show that my balance was XXXX, plus a typed up letter from XXXX XXXX without an official letterhead, no signature and dated XX/XX/XXXX almost 9 months after I received the service. As the invoices submitted by Voss & Klein clearly indicate that the account balance is XXXX, they still continue to try and validate this account as accurate. I spoke to XXXX XXXX via phone on, XX/XX/XXXX XXXX XXXX and I also send her an email disputing the debt, bringing to her attention that the invoices show a balance of XXXX and that I demand she cease all collections and remove this erroneous and damaging information from my credit report. I again checked my credit on XX/XX/XXXX and I saw that this information was still on my report at which point I sent out information to the credit reporting agency and they stated that it was actually validated again on XX/XX/XXXX by Voss & klein. I mailed out a dispute letter to Voss & klein on contacted Voss & klein again on XX/XX/XXXX and demanded a legitimate validation of this debt, a signed contract that says I am a signed agreement with Voss & Klein or XXXX XXXX agreeing that I owe this debt and she sent me the same exact invalid documents that she sent in XXXX. Now ive been to XXXX XXXX and they will no longer discuss this with me because they have an agreement with Voss & Klein so they can no longer discuss this matter with me. 
The burden of proof is with Voss & Klein and they have not been able to supply me with any legitimate proof that this is a valid debt nor that I have any signed contract with them authorizing them to collect any money or giving them the right to report this damaging information to the credit reporting agencies. I have been denied credit, financing and lost out on apartment rental due to Voss & Kleins bogus, inaccurate and unverifiable reporting. I ask that Voss & Klein cease all collection efforts and delete this damaging information from my credit report. 
Respectully, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # XXXX Amount XXXX I contacted XXXX  and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX  the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 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: PA

Complaint narrative:
XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # XXXX Amount XXXX I contacted XXXX and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me

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 2018-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One sent me my title, stamped Free And Clear and Lien released. Attached was a letter telling me how to go about filing my title at the XXXX or how to use it if I want to trade in my vehicle when I purchase a new vehicle. I am in the process of trying to purchase a home, and they can not proceed because they are reporting my loan over 90 days late and saying my account is a charge off, which is dropping my credit score too low to purchase my home. I need this to show that the loan is paid off and that the lien has been released. This is not ok, that I have this title for my vehicle in my hand. If Capital One made an error in sending me my title, then this is something they need to eat not me. I should NOT be showing a charged off account for my vehicle that is in my name and now owned by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
I was late on my XX/XX/2018 & XX/XX/2018 car payments. Spoke with XXXX & XXXX on multiple occasions. Told XXXX someone would be making a payment for me, she was rude and asking who is this person and why are they making a payment for you. I told her that he would make half the payment and I would make the other half. XXXX then told me I had until XXXX XXXX  to make the payment, she continued to call my job repeatedly thru out the days, then started to yell at me that this is their loan and I need to get it paid. I had to have my manager call her and tell her to stop calling my job. I then went to the XXXX to make a payment and she told me that I needed a bar code. I waited for the office to open and called to get the bar-cade, I spoke with XXXX. XXXX then sent the text and I told him the store was around the corner and I would go pay it. XXXX then called back an hour later to tell me I had not made the payment and said " we will hold this until XXXX XXXX  the that's it ''. I returned XXXX 's call and he said I stated that I would pay in the next few minutes. I then told XXXX I never said that, I am at work and can not go out until my lunch break, he then began to get loud and tell me I had until XXXX to make the payment. I made the payment and am now seeking to take out a loan and pay the car off and never deal with this company again. I have been a great customer for over a year and half and have never been treated so horribly by a company representative like this in my life. It's amazing how they are so sweet when I am paying my car note 2-3 weeks early and the one time I fall on hard times they turn nasty.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: MI

Complaint narrative:
I previously sent a complaint with wrong information. I stated my chapter XXXX bankruptcy was discharged, actually it was Chapter XXXX that I filed and it was confirmed on XX/XX/2018. The discharge paperwork was sent through XXXX XXXX Circuit Court. I was informed that my credit profile would be updated. I'm XXXX, low income and needed to file.

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 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I was reviewing my account and noticed some charges coming out of the account. I tried to dispute them and saw it wouldn't allow me to pull those up. I did some XXXX  and see that the funds were taken to be put into another account that my name was associated with for my ex-husband that I was informed I was removed off of many months ago. Due to this I am now out almost XXXX dollars and am absolutely disgusted that nothing was said to me before this action was taken. How very deceptive and sneaky of a company to do something like this to a customer of over 10 years.

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 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
Repeated calls ( 3-4 times daily ) asking for someone that is not me. 
I have told them it's not me and stop calling this number. 
Submitted a complaint on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: OH

Complaint narrative:
XXXX XXXX sent me my title, stamped Free And Clear and Lien released. Attached was a letter telling me how to go about filing my title at the XXXX or how to use it if I want to trade in my vehicle when I purchase a new vehicle. I am in the process of trying to purchase a home, and they can not proceed because they are reporting my loan over 90 days late and saying my account is a charge off, which is dropping my credit score too low to purchase my home. I need this to show that the loan is paid off and that the lien has been released. This is not ok, that I have this title for my vehicle in my hand. If XXXX XXXX made an error in sending me my title, then this is something they need to eat not me. I should NOT be showing a charged off account for my vehicle that is in my name and now owned by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I was called and offered a XXXX dollar loan that I've been needing to help with bills. They deposited XXXX dollars into my account and they wanted me to buy 2 XXXX XXXX cards to put this money on too and send them the card information which I already have done. I filled out a loan agreement with my signature as well. Along with sending them my bank information.

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 2018-10-05 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Complaint : PennyMac mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX XXXX XXXX sold our mortgage to PennyMac in XX/XX/XXXX. They did not report any payments until XXXX of XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, PennyMac hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. PennyMac has reported these months, ( XXXX, XXXX and XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XXXX, when XXXX XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when PennyMac took over as my mortgage company in XXXX of XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but PennyMac has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have contacted the company on numerous occasions in reference to this debt. 

However, the company is verifying this debt as mine with a simple bill statement. Not only is that not proper verification, its important to mention I have sent the company over a copy of my police report as well for identity theft. 

Portfolio Recovery {$900.00} Account number : XXXX

Company response to consumer: Closed with explanation