vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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: OH

Complaint narrative:
Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Today I received a letter from XXXX XXXX XXXX saying credit that on XX/XX/2018 Your XXXX XXXX XXXX XXXX  was sold to XXXX XXXX XXXX. And the account has been transferred to pre-legal department and they are considering forwarding the account to attorney for possible litigation. This people are threatening me and violating my rights. Since I did not sign any contract with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I recently got a cash card to link with my PayPal account. I rarely used the card it was more of my card for a rainy day and so I was depositing money or my friends or family would send money and deposit with my PayPal link. So as I was going to pay a bill the other day I became aware of the amount I should have had wasn't there. So I reported the charges to PayPal who claimed other transactions contradicted the complaints I had. They were a XXXX and XXXX charge on my account and a few pizza charges these are things I wouldn't do I don't eat pizza and I don't have a need to use a hotel on any level.So they denied my dispute and even though I said that if a transaction did occur just because of other transactions doesn't negate that there are other charges unauthorized and as such my monies is protected I called these places and oone hotel XXXX  XXXX said they would correct the charge we spoke on XX/XX/18 and XXXX XXXX hasn't returned calls ive made, phone messages also. I change my PayPal password and added notifications to alert of ANY transactions made thru text or email so as to protect at the point of use instead of way after and to note that I will check my account weekly or byweekly and just more frequently to keep track of all transactions.And to swiftly address instead of being surprised as I was to know I had enough to pay a bill then find out because the unethical motives of others I've become a victim and I now feel vunerable and untrusting of the unown situation or people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: GA

Complaint narrative:
I HAVE SENT DISPUTE LETTERS STARTING FROM XX/XX/XXXX AND THESE ACCOUNTS HAVE NOT PROVEN ANY DEBTS THATS ARE OWED.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
started disputing in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they will remove it then place it back on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: OH

Complaint narrative:
I have requested to have a Fraud Alert removed from my credit report. I have updated my Equifax file with my contact information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB:XX/XX/XXXX SS : XXXX. I WOULD LIKE MY FRAUD ALERT REMOVE!! ASAP MY EQUIFAX Report Confirmation : XXXX I have included a copy of my ID and SS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I've had this secured credit card with wells fargo for almost 3 years and never have they ever offered to increase my limit! I've been a customer since 2007 and I've been making my payments and doing my best to keep it under the limit. I've paid the card off several times and still no increase in credit limits. I was told before applying if I pay on time for 6 months my limit would increase. It's been 3 years where the XXXX is my credit limit increase?

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 2018-10-26 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: WA

Complaint narrative:
Hi, I recently found out that XXXX  XXXX XXXX XXXX , XXXX had done a hard query on my Equifax credit on XX/XX/2018. 

I never used XXXX XXXX XXXX neither do I apply for any XXXX XXXX XXXX service. I'm wondering if this is a sign of identity theft. I'm wondering if somebody else used my SSN and apply for XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am currently on an a IL repayment plan which is the default plan after I did not recertify my IBR repayment plan. This IL plan is essentially the equivalent of a 10 year standard repayment plan which means my payments still qualify for PSLF. 

I went to the federal student loan website to review other repayment options and ICR was listed as lower. I filled out an application based on this. XXXX had a different calculation method and stated the payment would be significantly higher than that listed on the federal website. They had placed my application on hold and did not process. When I called them in XX/XX/2018, I asked that my application be canceled and make no changes to the repayment plan as it was the lowest and payments still qualify for PSLF. 

They stated they need to do some administrative things on their end to cancel however my loans are in forbearance and in a repayment plan I did not request. I can not even get a standard 10 year repayment plan which would still qualify for PSLF as it is not even offered. The payments in the new plan are higher and do not qualify for PSLF. I have spoken to customer service several times to reinstate the previous repayment plan that I was on as I never requested to be changed over to this new plan nor placed in forbearance. I was specifically told the application was on hold and that my application will be canceled. I am unable to get a timely resolution before the next payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I was separated from my husband and didnt receive a bill for one of our sons ER visits. We are both responsible for his hospital bills but it ended up on my credit report. Ive tried to dispute it with the credit agency and collection agency. I paid the collection as soon as I found out about by pulling my credit report. Which was by also getting money from my ex as he is just as responsible. Its only because my son is on my insurance that it was under my name.

This is the only thing on my credit report EVER. Before this my score was in the 800s. Now its in the 600s and causing issue when I try to buy a home.

I just dont think its fair that this is impacting me when if I knew, I wouldve paid immediately. 

XXXX has already removed it from my report. Im asking for help in removing from XXXX and XXXX as well. 

XXXX XXXX {$630.00}, reported XX/XX/15 XXXX XXXX {$960.00}, reported XX/XX/15

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
While checking my credit report via XXXX XXXX, I saw that a company called " Fifth Third '' pulled a hard inquiry on my credit report on XX/XX/2018. I did not authorize " Fifth Third '' to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2018 I disputed an account with Experian and submitted documentation showing that the account was paid in full and settled onXX/XX/2018. On XX/XX/2018 the account came back from XXXX XXXX reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing XXXX XXXX  showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit 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 explanation
Consumer complaint received 2018-10-26 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/2018 I disputed an account with XXXX  and submitted documentation showing that the account was paid in full and settled on XX/XX/2018. On XX/XX/2018 the account came back from GM Financial reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing GM financial showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 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: MI

Complaint narrative:
On XX/XX/2018 I disputed an account with XXXX and submitted documentation showing that the account was paid in full and settled on XXXX XXXX. On XX/XX/2018 the account came back from XXXX XXXX reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing XXXX financial showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: OK

Complaint narrative:
XXXX XXXX XXXX has fraudulently opened a collections account stating that me and my husband owe a debt to the company. I, XXXX XXXX XXXX and husband XXXX XXXX XXXX have never signed a contractual agreement with this company. This company is in violation of FCRA and FDCPA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I spoke with a Chase Customer Service Representative, he asked me the reason for my call. I explained to him my issue regarding the multiple overdraft fees that were placed on my account. He informed me that he would make request to waive the overdraft fees. However, he then stated that he was unable to do so due to a limit that they have set. Afterwards, he connected me to who he introduced me to as his supervisors. She didnt seem like she had my best interest at heart as the customer, she was also very adamant about this limit that was previously mentioned. When I asked several questions she refused to answer them and told me if there isnt anything else she could help me with then goodbye. I have banked with Chase for years and I noticed a pattern in how they place overdraft fees on my account. They stack up them up last minute, thus gouging me for as much funds as possible. This same practice is what lead to the Class Action Lawsuit in  2012. Im a XXXX XXXX XXXX that definitely needs the funds that work hard for and I dont believe costumers should be treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to  10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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 2018-10-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BRite Financial Services, Inc.
State: WI

Complaint narrative:
THIS IS A NEW COMPLAINT NOT A DUPLICATE Cure to default did not follow Wisconsin laws 15 days wasnt allowed No itemized statement included with cure to default statement. 

Called on XX/XX/XXXX to ask for more time threatened the vehicle can be retrieved now. 

Sent an email to Brite financial no response. 

I need more time to pay and I want to know details of balance. I made a payment XX/XX/XXXX I only had a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn credit Collection agency Creditor XXXX Date XX/XX/2017 I was XXXX  XX/XX/2017 so I have no knowledge of this account. Ive distributed this several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had three XXXX school student loans serviced by Navient. I have paid off all of those three loans in full. However Navient refuses to say that these loans are gone, and in fact just this morning sent me a notice saying my payments were set to increase! ( Even though my principal is {$0.00} ). 

I called Navient numerous times to ask when they would " process '' the fact that I've paid them all the money I owed. They initially said this takes 7 business days. Then they said it would take 30 business days. This is disconcerting because the first Navient loan I ever paid off was processed instantly as " paid in full. '' However the two loans I paid off in the last two months are still shown on the website and in new documents I'm receiving regarding payment increases as active loans. 

I've asked to speak to a Navient supervisor about this issue but the first-line customer service support says that is not possible. Given the recent publicity about other problems Navient has had servicing student loans, I am becoming increasingly suspicious that their intent is to not accept my payments in full, but rather keep me chained to the indentured servitude of student debt in any way they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX vs give me a loan back in XXXX for {$820.00} dollars with in a month and half, I give them XXXX dollars but they say the daily fees make the to over 1000 dollars and I miss month and half with our paying but {$900.00} should pay for 5 months and is not even 5 month since I talked that loan please help i have XXXX kids and having big problem taking my kids to the doctor.my number is XXXX XXXX XXXX or email XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 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: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS WITH XXXX XXXX XXXX, FOR THE AMOUNTS OF ( XXXX ) and ( XXXX ) with XXXX  on two occasions, with no positive results.ON THE OTHER HAND HAVE GOTTEN THESE SAME ACCOUNTS, DELETED WITH XXXX  AND XXXX.

Company response to consumer: Closed with explanation