vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
We have been trying to get on a payment plan that we can afford for over a year. I have mailed, faxed, uploaded all the info that was requested multiple times. I faxed it twice every time, I call in to see what is going on i get the same answer. " We have not received anything, or it is unreadable. '' It's so frustrating that we have done everything on our part, and you still ding our credit. When i call after uploading, I get told well it takes a few days to see it. If it's not readable, we will call you. Never hear back, but conveniently they sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: GA

Complaint narrative:
I have several negatives reporting on my credit and are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several negatives reporting on my credit and are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This number and 20 others are from portfolio recovery. They call early morning and late night both home and cellphone on a constant bases. I have answered the phone and nobody is there so I hang up. This has been going on for years. I have been on do not call a few times and still calls come through. I don't know what to do. I feel that are harassing me because they keep calling and do not leave messages or talk to me when I answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
Car was purchased from XXXX XXXX it was originally XXXX and was then sold to XXXX XXXX XXXX. The account is over 7 years old but company is using the date it was sold and not the original date. XXXX deleted the account however XXXX and XXXX after repeated attempts including giving the documented proof they refuse to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do 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 2018-08-19 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do 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 2018-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Car was purchased from XXXX XXXX it was originally XXXX and was then sold to XXXX XXXX XXXX. The account is over 7 years old but company is using the date it was sold and not the original date. XXXX deleted the account however XXXX and XXXX after repeated attempts including giving the documented proof they refuse to remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX has broken several laws and has ignored all consumer debt collection rights. I have received several calls after the set time of statute of limitations as well as trying to reach out in regards to XXXX XXXX robo signing my name for some agreement that I am unaware of terms. Please see cases 1 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County District Court XXXX ) XXXX XXXX XXXX vs. Our ClientXXXX ; XXXX County Justice Court XXXX, 2 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County Justice Court XXXX. Ive tried to dispute the collection as they are not my creditor and since ive been harrased by them so many times I would like the collection removed. A dispute took over 35 days and still not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 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:
XXXX XXXX  XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance

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 2018-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance

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 2018-08-19 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX andXX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXXI dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
The debt does not belong to me. Please remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I applied for a mortgage modification in XXXX and within the 3 day period, I rescinded agreement. Apparently, the company ( Ocwen ) did not honor the fact that the modification had been rescinded. The loan matured on XX/XX/XXXX. I was expecting the 15 year loan to be paid in full by this date. 

Instead, I'm told that I owe in excess of {$39000.00}. The loan started off at {$44000.00}. I found out that I was put into an interest only loan. Originally, I only wanted to save some money by doing a modification. I decided to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
Creditor agreed to remove my collection once paid. Attached is an email from collection agency that I am no longer liable. I have disputed several times with the credit reporting agency and the account still has not been removes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
The company Has not yet responded to me. I spoke to a representative who said I would get a call back the same day so my account can be closed and the interest can stop being charged which is over 300 % interest. I Want to pay my debt but since Ive been laid off I can only afford to pay my principle balance, over {$300.00} in interest is being added to my account every 2 weeks. They have no responded as of yet..I sent the email to them that is below. 




Account # XXXX URGENT XXXX XXXX XXXX XXXX Dear XXXX XXXX, Recently due to unforeseen circumstances I was laid off from my position as a XXXX XXXX  in the XXXX XXXX. I have very little money available at this time to keep up with bills including credit cards, loans, cash advances. I will have just enough money to keep the lights on and feed my children. Per the Fair Debt Collection Practices Act, Federal Trade commission, and the Consumer Protection Bureau I hope we can come to fair terms in regards to repaying my outstanding debt. I would like to pay off my debt completely within a set time period with freezing the amount of interest being charged so I can put every payment towards my principle balance. I would like to start paying immediately. At this time if you could please stop any ACH withdrawn or Debit withdraw from account ending in # XXXX and card ending # XXXX as I do not want to attain any fees from NSF. 

Please, your co-operation is appreciated and Im hoping to repay my debt with set payments over a set time period without any additional interest being charged or added. I look forward to hearing back from you as I am trying to take care of my responsibility with XXXX. Please email me at XXXX or I can also be reached at XXXX. I will get back to you as quickly as possible. 



Thank You XXXX XXXX XXXX Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one creditcard I have this credit card for more tha a year they used to charge a late fee every month in my bank took the money on time out of my bank and they report it late so they can charge for a late fee I call them about but last time they claimed they did resive it in my bank was allready taken out 10 day before but istill claimed they did have it so I closed this account they said I was responsable for the balance money I told them I agree but no for their stolen late fees they claimed I owe them the are stealing is a crime but the are stealing with their fake late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Hanna Holdings Inc
State: PA

Complaint narrative:
Documents dates from XX/XX/XXXX/XX/XX/XXXX as well as currently XX/XX/XXXX numbers, dates loan numbers and a lot of the information and documents are different that what I signed and what Im reviewing and the title company made me change my signature and Ive requested a copy of what is on file at XXXX XXXX XXXX XXXX the supposed title company and XXXX XXXX XXXX as well as previous mortgage company as well as requested copies of the appraisals and paperwork. As well as have gone to phfa and called agencies for counseling for home buyers at phfa.as well as my employers and tax documents. Each time Ive asked for copies the documents are changed or something is different and Ive sought an attorney as well as gone to my church.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: MicroBilt / PRBC (formerly CL Verify)
State: MO

Complaint narrative:
I have tried to call MICROBILTFinance ResellerXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: GA

Complaint narrative:
I have endeavored to call Equifax to no avail ... the inquiries are unauthorized and should be removed ; I contacted creditor and received apology, but was told that bureau would have to remove inquiries I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC
State: TN

Complaint narrative:
I originally entered into a contract payment with a local car lot that later went out of business and sold the loan to a company whom I have documented evidence of receiving my full payment of XXXX $ for every scheduled payment to date. But I have received notice of a repossession of my car that I need to get to work if they do not receive an amount of XXXX $ I would like to ask what can be done in defense of the integrity of my career

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: Bliksum, LLC
State: MO

Complaint narrative:
I have tried to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/2018 and XX/XX/2018 but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.

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