vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 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: TX

Complaint narrative:
You are reporting an inaccurate fraudulent account on my credit file that needs to be removed. I have warned you over and over again that the account does not belong to me and it is a result of identity theft yet you still continue to report this account onto the file you hold under my social. Attached is a letter stating that it should be removed from the company and them stating that they have requested you to do so. 

Please remove XXXX in the amount of {$260.00} from my credit file immediately.

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 2018-09-13 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: LJ Ross Associates
State: MI

Complaint narrative:
I have disputed an inaccurate debt that is not mine on 4 different occassions with L.J.Ross for $ XXXX.I have neverdonr any business with the company that L.J.Ross is representing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed an inaccurate debt that is not mine on 4 different occassions with XXXX for $ XXXX.I have neverdonr any business with the company that XXXX is representing.

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 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MO

Complaint narrative:
Fell behind on payments due to wife 's family illnesses. Called bank to work to get back on track and arranged a payment schedule to catch up. Made the payments and actually paid {$5000.00} which was {$4000.00} more than I was behind. I was never told by bank representative that the card would forever be closed when sorting out a payment schedule. In fact, I believe the representative stated that once I get back on schedule and card is out of collections I should call and ask to have the APR reduced to the prior APR.

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 2018-09-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed a bankruptcy with all three bureaus multiple times. A bankruptcy is reporting on my credit report and these bureaus have not investigated with the reporting agency to verify this inaccurate 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 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelson Cruz & Associates LLC
State: OK

Complaint narrative:
XX/XX/XXXX I received a phone call from a family member stating that someone called and said that their had been a petition complaint filed against me and that they had documents for me to appear in court and that I needed to call XXXX. And speak with XXXX XXXX who made claims of taking me to court and that he would red flag my license plate and contact the sheriff and the district attorney in my city for them to deal with me. so I call the number and find out it is for a medical bill and as I after being extorted and threatened tried to set up some sort of arrangement to get the bill taken care of wich I have not received since they had an old address I had no clue of this outstanding bill I also tried to negotiate a payment plan wich was declined by the collector and he stated that he would need my checking account or debit card information before he ould do anything ... .wich I find fishy he stated that if I mailed a check I would have to pay more and I would have to pay the full amount in TWO PAYMENTS wich is not an option for me at the moment the collector then asked me for my phone number wich i declined to give since i had his contact information I dont want them calling me ... the collector then said he was done talking and he would be contacting county officials and he would red flag my license plate and have the sheriff serve me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Nelnet, Inc.
State: OH

Complaint narrative:
Hello my name is XXXX XXXX I am writing this letter to whom it may concern, I have a loan that was recently reported on my credit report as 90 days late payment, these payments were late cause I was told that I had forbearance time to consolidate my school loans Now that I know I was given the wrong information I wanting to know if there is any way that if I bring my payments to current and set up automatic payment with a checking account could these late payments be removed from my credit report as a good will gesture I know that its not an obligation or if this is possible but it would be greatly appreciated I do construction work and it is seasonal which that said XXXX to XXXX are the busiest months here in Ohio, I started to make payments in XX/XX/2018 and what I should have done is set up automatic payments so I would not encounter these problems please let me know if there is a possibility of this happening I have worked so hard to build my credit scores and to have it taken away without warning of the situation that was going to take place and this really hurt my lively hood witch would intern help me to take care of the loan I feel so terrible, please let me know thanks in advance I will also be updating my contact info so that I can receive nelnet alerts thanks in advance I am awaiting your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed a bankruptcy with all three bureaus multiple times. A bankruptcy is reporting on my credit report and these bureaus have not investigated with the reporting agency to verify this inaccurate 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 explanation
Consumer complaint received 2018-09-13 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: SD

Complaint narrative:
We started our lease with XXXX XXXX XXXX in XX/XX/XXXX on a XXXX XXXX XXXX. Initially, their promotion was that XXXX will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted XXXX to make sure they would make the first payment. XXXX claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with XXXX XXXX XXXX ( they have documented comments ) and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days ) payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming XXXX made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with XXXX as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with XXXX? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a card about 5 years ago at XXXX 's XXXX XXXX value of {$500.00}. I bought 2 cards and used them to go on a trip. I thought the card was empty so it was destroyed. Then I got a letter from US Bank stating that there was $ XXXX.and change left on the card and that I needed to call them if I needed a replacement card or the $ $ would go to the state. I called as soon as I received the letter and was told, " no problem. a new card would be mailed and I would receive it in 7-10 working days. '' The card never arrived however I was charged a {$5.00} re-issue fee. So I called back and a second time was charged a re-issue fee and told it would come in 7-10 working days. The card never came. I called back a 3rd time and was told that it had been done wrong the first 2 times and now I needed to fax the front and back sides of the letter, the envelope it came in and a letter written to them of why it needed to go to a new address.since my home was involved in a legal battle. I also included my drivers license copy so they had my ID with the original address on it. I had to pay {$8.00} to XXXX 's to have this done as now I am living in my car and don't have access to my own fax machine. Still no card came. Spoke to a manager a fourth time and still no card. I called next and now they say there is no record and I should fax all these things again and that I need to provide a new envelope with the address change on it. I have no bills and I am responsible so I notified all important parties that I had an address change so I an not at this time provide a new envelope with a change of address sticker on it. US Bank has been so nice on the phone until the last man I spoke with who was rude and inconsiderate. It should not take 5 months to get a replacement card of {$250.00} Everyone needs a little help sometimes and I really could use this money as I am now homeless and on food stamps and living in my car. Thank You P.S. Any documents I have now will have to be downloaded or copied at a later time.

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 monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: CA

Complaint narrative:
I obtained XXXX, the product was defective. I tried calling them to fix it and they never did. I cancelled services with them and sent them their equipment back through XXXX. I did it within 1-2 months after obtained services from them because of their refusal to fix their defective product. 
The system would not allow AC to work properly or would not control things properly either. -In XXXX , California the average temperature during the summer is around the 100-110 degrees, so I needed a functional AC for my family. 
XXXX never sent me a bill with a balance after I sent them their equipment back, I called them in several times asking for a balance corrected after I sent the equipment, but they were not able to tell me a balance, even any amount of money. 
Back on XX/XX/2018, I discovered a new collection on my XXXX credit report, a collection agency named Perfection Collection is reporting XXXX account for {$2100.00} dollars. It called my attention because I never received an initial notice or call from this debt collector, also the balance doesnt make sense to me, I really dont know from were the {$2100.00} dollars come from, if it is for a service or for equipment. 
On XX/XX/XXXX I called them and asked for an Itemization letter because -even today- I dont know the reason of the {$2100.00} dollars in collection. During the call the representative was unable to confirm my mailing address and that makes me think they never send me an Initial collection notice or something similar. The representative asked me for an email and she would send me an email with an Itemization statement. 
I wait for the email until XX/XX/XXXX, I called again but no body answer my call and I called for several days, -During this time I thought this debt collector was a scam or a fake company- They answer my call on XX/XX/XXXX and they told me they didnt have a record of my Itemization Statement on XX/XX/XXXX, but this time the representative said they sent me validation letter twice by XXXX, thing that I didnt receive. Later I received an email from XXXX XXXX from Perfection Collection, the email had an attachment, it was a picture of the original contract with XXXX, But I wasnt included and itemization statement. 
I called again on XX/XX/XXXX to ask again for an Itemization statement because I need an explanation of the amount in collection, then they suppose to send me a detail Itemization statement, but they again sent a photo of the original contract with XXXX. 
At this point I believe this collection agency doesnt have an Itemization statement and they cant explain the reason of the bill. Also, they never sent me, and Initial collection notice and they got my mailing address at the time of my first call to them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I refinanced my house in 2012, instead of an actual appraisal the company used the county appraisal value of the home $ XXXX as a cost saving measure instead of full appraisal. The refi amount was $ XXXX. Fast forward today the loan value is $ XXXX and current home value $ XXXX. I have asked for the removal of escrow ( taxed & insurance ) no PMI ever on this property. The company is telling me that escrow cant be removed because my LTV based on the original inaccurate appraisal is above 80 % and my balance would need to be $ XXXX in order to remove. I have spoken to numerous customer representatives and I am constantly provided a different reason for not being able to remove this escrow

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 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
The name of the collection agency is Portfolio Recovery Associates. They are constantly calling me in reference to a XXXX XXXX credit card that I had over eight or nine years ago. I am XXXX. I have no income, no social security disability, no welfare checks, no nothing. The original balance of the debt was {$500.00}. Since the account was closed because I couldn't afford the payments, it was sent to collections. I understand the policies and procedures regarding this action. However, I have also disputed the amount and have received no written verification of this debt from the original creditor as requested numerous times.

This company calls my home 3-6 times per day. I have tried blocking the number, but unfortunately, they just change it and my telephone carrier only allows me to block a limited number of callers. Therefore, I can not block them any longer because they keep transferring it to different locations with different area codes. 

It is stressful and harassing. I am completely and totally XXXX, living off of a family member to survive as I do not qualify for SSD. This company is ruthless in the pursuit of a {$500.00} debt which is old, way old, and should have disappeared off of my credit report already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hurricane Harvey flooded our home, one year and two weeks ago. Our flood insurance sent repair money to XXXX XXXX, which has now been transferred to XXXX XXXX. It has been a continuous struggle to get our money from XXXX XXXX to pay for the repairs. They have delayed funds by : publishing a non-working address for document submission, refusing to let me speak with supervisors, checks mysteriously lost in the mail, promising XXXX delivery but using regular mail, overlooking uploaded documents, documenting but not acting on problem resolutions, refusing/failing to return phone calls, failing to notify me of additional required documents, overlooking requests for paylment, and last but not least, blocking my IP address so I can no longer use the website to access and manage my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
I've got a student loan for my son in XXXX and I've being paying for it sins then. The loan was sold a couple times. My current Servicer is AES sins XXXX. I've asked them in the past to send me amortization letter to better understand what exactly I'm paying for. I thought Truth in Lending Act requires lenders to provide you with loan cost information, by they told me they don't do this. So they kept me in the dark. So convenient! 
My son has passed, but I still make accurate payments. Over sudden I've got email from them stating I have to pay almost double amount monthly. So I called. The Lady told me THEY JUST FOUND OUT I was paying interest only for all this time and now it's time to start repaying the principal. She said it was not only me, there are thousands like me in the same situation. What a surprise! For all this years I didn't know I'm making just an interest payment. To know that thousands of us are in the same situation doesn't help. 
They also lowered my interest rate down to 4 % a few years ago, but on statements it's still shows 4.25 %. The same Lady told me don't worry, we charge 4 %. How do I know? I don't trust them. 
I fill now like they rip me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: MO

Complaint narrative:
This debt appeared on my credit report. No information ha been received as for the debt, it was previously reported for XXXX with another collection and it was verified - is a nee company Franklin collection has not informed of debt on my credit.. no written documentation or bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: OH

Complaint narrative:
Called several times and sent several letters. I advised them it was a OWCP related injury and they need to contact them. They asked for OWCP information and I advised them to contact the business they got the debt information from. They hung up on me a few times when I refused to give my date of birth. I asked what they had and they would not tell me. I asked for the investigation in writing and how they assumed it was accurate and my dispute was not valid. They said they will not provide anything in writing. I asked for written proof that OWCP was contacted and said they would not pay the debt. They again told me they will not provide anything in writing. They advised me they will just turn it in to collections.I asked them to stop calling and harassing me and they continued to call. The company is XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX

Company response to consumer: Closed with explanation