vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 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: Senex Services Corp.
State: OH

Complaint narrative:
i contacted senex services about several medical bills that are on my credit report. i admitted that i owe the debt and i asked for copies of each account number because the credit report only displays partial account numbers. the woman on the phone refused and asked why i wanted the account numbers. i stated that i was interested in paying each account on a different date. she said i was not allowed to do that and then stated that she could offer me a settlement if i paid all at once. i said no. i told her that i will only pay one at a time and only if they remove each account from my credit report once paid. she said that it was up to management if they would do a pay to delete and i asked what that meant and she said it depends on what kind of mood her boss was in that day and i have to send a letter explaining to them why i didn't pay the debt in the first place. and she threatened to sue me if i didn't pay. this company won't send copies of my accounts and is abusive i want copies of each account and i promise of a pay to delete from this company medical bills should be able to be deleted my XXXX caused these bills in the first place how the debts originated is none of there business and why should i be subject to someone's mood to delete accounts from my report i think this agency is shady at best i contacted the original creditor and was told this company purchased these debts for pennies on the dollar and that is why they were so quick to offer a settlement. i will also be contacting my state 's a.g about this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: TX

Complaint narrative:
I am no longer disputing XXXX XXXX and XXXX XXXXXXXX Account.

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 2018-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: NH

Complaint narrative:
Tuesday XX/XX/XXXX- I applied for a short term installment loan, approved for {$1000.00} but received the terms under which they would loan and they stated an interest rate of over 400 %!! Obviously, I did not go for the loan and they have called me no less than 5 timed since then despite my repeatedly stating that I did not want the loan and replying stop to their texts. 

I am concerned that these people are taking advantage of people who may be less equipped to understand the terms at play. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

All creditors have sent me letters they do not have any original documentation. But have not removed accounts from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
I rang Cititbank to activate the new credit cards they sent.

I was in tears after being transferred 4 times in an hour, and despite providing all my personal information I still could not be given access because of one forgotten security question. It seems questionable that in spite of all the information I gave that it all hinged on one question which was unrelated to anything of real meaning.

Other simple methods like texting the contact mobile numbers did not work, and even though I only wanted to activate a new card, we are considering closing the account after the hour of torture and their inability to run an effective service.

Even more ridiculous, is that one of the representatives tried to use a marketing incentive to gain a gift card, when I needed a resolution to a simple and commonplace 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 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
to whom it may concern : Under federal law any collection company must posses : a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. Please remove this report from my credit or I will pursue monetary retribution. Thank you for you quick responds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: TX

Complaint narrative:
I am no longer disputing XXXX XXXX and XXXX XXXXXXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: OH

Complaint narrative:
I got a payday loan a few weeks ago for the amount of {$1500.00}. 

I was told that if I pay off the loan then whatever the CSO fee balance would have been would be eliminated. I was told this twice on the phone by a customer service representative before I even applied for the loan. 

I paid off the loan today - the website along with a customer service representative 's confirmation indicated that the balance was approximately {$1400.00} if I wanted to pay the loan entirely off. I paid this entire balance off. However, once I did this, the place on the website where it showed that all I had to do was pay this to pay off the loan was no longer showing this. Furthermore, there is another place on the website where the balance is in the 2,000 's still showing the balance with the CSO fees. They also still have the same remaining payments scheduled from my account that were scheduled before I made this payment. 

It is unclear what the payday loan company is trying to do. I feel like they are trying to collect more than what they promised. I have attached evidence of where it states that all I had to was pay {$1400.00} to pay the loan in addition to a record of a payment for this same approximate amount. Furthermore, I have attached the page showing the higher incorrect balance. They are trying to intentionally confuse me so they can collect a higher amount - this is how it feels like. All I want to do is move forward and not pay more than we agreed on. This is worse than if a thief broke into my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

All creditors have sent me letters they do not have any original documentation. But have not removed accounts from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 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: TX

Complaint narrative:
I am no longer disputing XX/XX/XXXX and XX/XX/XXXX XXXX Account.

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 2018-08-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Already made one complaint about this company, to provide me with proof of the debt, that the debt is mine, and the collection agency XXXX XXXX XXXX indeed bought the debt. They have provided that, but this debt wasnt paid since XXXX. I have never got any letters about payment or lawsuit form XXXX XXXX XXXX. What I read about the lawsuit agreement between the consumer financial protection nurse and XXXX XXXX XXXX, they arent supposed to be able to, attempt to collect from debt that has passed the statute of limitations, and or post negatively on peoples credit it they dont either have the appropriate paperwork, or if the debt is uncollectable due to the statute of limitations. The statute of limitations on private student loan debt is 3 years in North Carolina. Again this hasnt been paid upon since XXXX. I understand that this debt will be placed in charge off status, and still be seen on my credit report. I am trying to start over and become a homeowner again, and cant due to this negative posted collection for XXXX $ that is past statute of limitations for collecting and a lawsuit. I am asking for XXXX XXXX XXXX to charge off this uncollectable debt, and stop posting negatively upon my credit report as agreed upon by XXXX XXXX XXXX vs the consumer financial protection bureau.. thank you for your time with this. I have not made XXXX XXXX of new debt since XXXX, and have either paid off or charged off a total of XXXX $ in student loans and credit cards. Thank you for assisting me to be a homeowner again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

All creditors have sent me letters they do not have any original documentation. But have not removed accounts 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 2018-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I called Pennymac last month to ask what options I had regarding not being able to afford my whole payment for XXXX. I was told I could pay {$500.00} and make up the rest next month. I was told that because I am under BK protection this plan of action " would not affect me in any way ''. This was not true as I was charged about {$800.00} in late fees and interest. Furthermore, the statement I received os incredibly deceitful. It shows no late fees or interest and gives no information on the charges I was told would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Screening Reports Inc.
State: OH

Complaint narrative:
Nothing! I tried to find out information on who, and why they were on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-22 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:
XX/XX/XXXX AFFIDAVIT FOR FRAUD AND IDENTITY THEFT TO LEGAL DEPARTMENT FOR EQUIFAX Certified Mail # XXXX XXXX XXXX XXXX XXXX REASON- FRAUD ACCOUNTS- PUBLIC RECORD-BANKRUPTCY- XXXX XXXX- XXXX THIS IS THE SIXTH LETTER I AM WRITING EQUIFAX TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED EQUIFAX TO VERIFY THE FRAUDULENT BANKRUPTCY AND FRAUDULENT ACCOUNT ON MY CREDIT FILE NAVIENT VIA Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I have documentation since XX/XX/XXXX that I have been removed from XXXX system. But Equifax states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Equifax has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified. 
The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD. 
I HAVE LETTERS FROM XXXX and THE BANKRUPTCY COURT but Equifax just ignores my lawful request and keeps this fraud on my account. 
IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX BECAUSE IT IS UNVERIFIABLE unless EQUIFAX pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase. 
They also keep this FRAUD account on my file from XXXX. And I have no contract with this company and it has been removed from XXXX and XXXX. 
I am including all my documentation in this correspondence along with Certified mail so I can document EQUFAXS FRAUD FOR LITIGATION if they verify these two account or DELETE IMMEDIATELY. 
YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
This company full of crooks claim I was late at the end of my loan, to keep my credit bad so I have to keep getting loans with companies like them. I submitted a dispute with the credit agencies and the retaliated against my credit even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Equitable Acceptance Corp
State: CA

Complaint narrative:
I applied for a loan to purchase a ticket to a XXXX XXXX event. The company Equitable Acceptance is the financing company which XXXX XXXX uses. Initially they pulled my credit report in XX/XX/2017 to see if I was eligible for financing and I was approved for the loan. However, they pulled another hard inquiry again in XXXX which I dont know why and I did not allow. Since then, the loan has been completely paid off years before the due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In order to pay the rent as usual I wrote a check for the landlord, but this time I had to do it more than a week in advance because of a vacation leave. Since I did not have enough fundings at that moment in my account I wrote the check putting a date of the future, the date on the check was XX/XX/XXXX ; since the first day of every month is when I usually pay the rent. I told the personnel of the main office in charge of the renting not to cash the check before that date put on it, but they forgot, they are several people there and they are in charge of many apartments. They tried to deposit the check on XX/XX/XXXX ; and there were not enough fundings yet, the Wells Fargo charged me with {$35.00} because the lack of fundings. 

I think that the bank before trying to cash the check they have to verify that the date is a valid one, a current one or a date in the past. It is very common that in the case of inconsistencies they do not want to cash the checks, like in the case when the quantity in letters is a mismatch from the quantity in numbers, or in the case of a misspelling in the name of the beneficiary, or when it is a problem with the signature, or if the check has not been properly endorsed, etc. 

Also in the case of old checks, six months or older, it is common to have issues from the banks when a person is trying to cash those. Then, likewise the bank should not be cashing checks with dates set on the future. 

So, I do not agree with Wells Fargo charging me {$35.00} dollars arguing that my account did not have enough fundings when the check was tried to be cashed before the date given on it.

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