vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 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: AES/PHEAA
State: MA

Complaint narrative:
I have submitted multiple complaints ( including documentation ) to XXXX, including one previously through the CFPB, on this one issue. XXXX lists my current student loan at XXXX XXXX XXXX  as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I checked my credit report and Portfolio recovery Associates has two accounts reporting These accounts are not mine I have asked portfolio recovery associates for verification and all I have got is fake screenshots of billing statements for both accounts. I have no obtain the proper information for portfolio recovery Associates to collect. 

These accounts are also not reporting correct on my credit report, theyre reporting these accounts as open and a factoring company they are a debt collection company. 

Im asking for complete payment history the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to Portfolio recovery Associates.Letter of sale or assignment from the original creditor to your company. ( Agreement with the client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX., XX/XX/2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by portfolio recovery I expect all reference to this account be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
According to the 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 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: MA

Complaint narrative:
I have submitted multiple complaints ( including documentation ) to Equifax, including one previously through the CFPB, on this one issue. Equifax lists my current student loan at XXXX XXXXXXXX XXXX as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX  who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was hospitalized on XX/XX/XXXX18 for a XXXX, I was in the hospital for 2 and half weeks. After getting out of the hospital I decided to take a vacation to  XXXX departing on XXXX-18 arriving XX/XX/2018 to visit relatives and friends, I purchased my ticket online through XXXX with extra protection and insurance in advance, I thought by then I'll be clear of all the follow up doctor visits and all the test/XXXX XXXX. On my follow visit to the doctor in XX/XX/XXXX I was told by my doctor that I was not allowed to travel on a plane till I was clear of all the doctor visits, tests/XXXX. On XX/XX/2018 I called the Air Line spoke to XXXX to cancel my flight, I was told that they had to review my case and will let me know what the outcome will be, I sent them all the necessary documents and a Doctors note stating that I was not fit to travel, after a couple of days I received an email from XXXX XXXX stating that I will not be refunded the money and that I needed to solve this issue with my Citi Visa Card. After I called Citi Visa XX/XX/2018 to resolved this issue with them after going back and forth for 5 months now, I emailed them all the necessary documents including the Doctors note that they requested, to this day XX/XX/2018 haven't had any success to get a refund for the amount of {$1200.00} plus all the late charge and interst fees.

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 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: AZ

Complaint narrative:
XX/XX/2018 - Debt Collection Company from XXXX, IL called me about a debt that is beyond the statute of limitations for the time that I can be contacted. Their phone number is XXXX. ARA is the name of the company. XXXX XXXX XXXX is the name of the company. Please do something about this NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE FROM MY SERVICER SPS, I WAS RECENTLY DENIED DUE TO THE LENDER STATING THAT THEY WERE UNABLE TO OFFER ME ASSISTANCE BECAUSE THEY COULD NOT CREATE AN AFFORDABLE PAYMENT. THIS IS ABSOLUTELY CRAZY, FOR ONE IF THEY DID NOT EMPLOYEE UNDERWRITERS WHO DO NOT UNDERSTAND HOW TO CALCULATE INCOME I WOULD NOT BE IN THIS SITUATION. THEY ARE STATING THAT MY HOUSEHOLD GROSS INCOME IS {$3900.00} AND MY TRUE GROSS INCOME IS {$6000.00}. SECONDLY, I GOTTEN MY LOAN IN XX/XX/2007 AND HAVE NEVER NEEDED ASSISTANCE. MY MATURITY DATE IS XXXX WITH A 8.63 % INTEREST RATE!! I HAVE A RATE WHICH IS DOUBLED TO TODAYS INTEREST RATE AND I AM IS XXXX YEARS OLD, THIS IS ABSOLUTELY PROOF THAT MY INVESTOR AND SERVICER ARE PREYING ON MY AGE TO KEEP ME IN A RATE ABOVE 8 %. I WILL NOT ALLOW THESE PEOPLE TO STEAL MY HOME BECAUSE THEY ARE GREEDY! AN EXTENSION ON MY TERM AND TODAYS MARKET INTEREST RATE WILL BE AFFORDABLE, I WOULD SAVE OVER A {$1000.00} A MONTH ON A 4 % 40 YEAR LOAN, DONT LIE TO ME AND STATE THAT YOU COULD NOT PROVIDE ME WITH A PAYMENT OUTSIDE OF YOUR BOGUS GUIDELINES. WHAT YOU ARE TRYING TO STATE WITH A SMILE IS THAT I WILL STEAL YOUR HOUSE AND MAKE YOU HOMELESS, WELL WE WILL SEE WHAT XXXX XXXX, FTC, XXXX, HAVE TO SAY WHEN I FORWARD THEM THIS COMPLAINT. YOU WILL NOT VICTIMIZE ME AND STEAL MY HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: CA

Complaint narrative:
On XX/XX/18, I contacted Equifax and requested that Equifax block a fraudulent account from XXXX XXXX XXXX pursuant to the section 605B of the FCRA. I attached an identity theft report naming the fraudulent account and a copy of my identification with my request. 

On XX/XX/18, Equifax denied my request to block the fraudulent account without a specified reason or good cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I bank with TD BANK. I have been banking with the financial Institution for 4+years. They are a very selfish, inconsiderate, and their Rules and Regulations are nothing less than unfair, unjust, and there has to be a law to overdraft fees on a XXXX. It outrages me that a bank institution has the right to do this. I have been treated unfairly and very bias as per conversations with Customer Service. I signed up for cash advance for short term knowing i had a deposit for Monday XX/XX/2018 I was not overdrawn from my online banking account than. Tuesday afternoon I was informed I overdraft my account on XX/XX/XXXX, meanwhile I was showing a positive balance and nothing pending. What do they see that I should see and don't. There Bank thrives with no pitty nor compassion when it comes to overdraft fees. TD Bank is charging XXXX for XXXX overdrawn. that started the overdraft to roll. I would like my account investigated for illegal overdraft fees. I am on XXXX and I will not be able to pay my rent due to XXXX plus dollars and fees in Overdraft fees. last month too. very upset. and disgusted. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried freezing my credit with the 3 credit bureaus and Equifax is the only one that I'm having problems with. I logged in through their website, it has problems saying comeback later or has problems logging me in ( see attachments ). I have tried multiple times to fix this issue and have tried on different computers. I have tried resetting the password, but the email never comes. I find it particular offensive with Equifax since their negligence allowed XXXX XXXX of America 's  personal information to be stolen. I request that they fix this issue immediate and/or that the CFPB investigate the business practices of Equifx and their freezing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I had all 3 credit bureaus remove an old debt from XX/XX/2014 ( estimated ) that XXXX sold to a debt collector named Contract Callers Inc. due to not having a contract with Contract Callers Inc and the age of the debt. They disputed my dispute and XX/XX/XXXX and XXXX XXXX added it back to my report. Contract Callers Inc made the debt date new and they continue to report this old debt of {$100.00} over and over. Had I not challenged it, it would have already dropped off my report on its own ( I didnt owe XXXX that money anyway but thats not in play here ). Its unfair this company has extended the time period it shows on my credit report. It should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
Someone named XXXX or XXXX XXXX from JPL Recovery Systems is repeatedly calling my Human Resources Department at my work looking for information on me and has told them I owe them money and they are going to garnish my wages. They have also called me numerous times at work. I have told them I am not able to receive calls at work and now that they have started calling my Human Resources department I was called in today and told this needs to stop. 

They have also been contacting friends of mine looking for information on me and letting them know I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I received an email from Wells Fargo to my business email informing me that my new account was open and the statement was ready to be viewed. I do not have a wells fargo account or did I open one. I called the bank and after an hour on the phone they would not tell me the name or anything about this account. They then told me they would return my call within two business  days.This was Thursday XX/XX/XXXX. They did not return my call so I called them today XX/XX/XXXX. I got the same runaround saying I did not have an account after being sent around to numerous departments. The email has some of the numbers x out and the last four as XXXX. The employee informed me it was a phishing email and the phone number listed was not one of theirs. He asked me to send it to XXXX. The problem is this employee lied to me! The number XXXX is a listed Wells Fargo number.This seemed very suspicious to me that he would lie to me. It seems they are not telling me the truth. I need to verify that some kind of a account has been opened without my consent.

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 2018-10-02 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: FL

Complaint narrative:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be  compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , Equifax and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. I have made all the reporting credit bureaus aware of the Identity Theft and the Fraudulent accounts and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I called Ad Astra Recovery Service to inquire about the collection item appearing on my XXXX Credit Report, after Ad Astra Recovery Service wrote a letter to the Consumer Finance Protection Bureau, dated XX/XX/XXXX, stating they sent deletion requests to the credit bureaus. I spoke with XXXX, a supervisor with XXXX, that stated, Ad Astra Recovery Service refuses to remove this collection item from my credit report, as they stated to the Consumer Finance Protection Bureau. XXXX states they never received the deletion request from Ad Astra Recovery Service. This company business practices are extremely unethical and in violation of the Consumer Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a
complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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