vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 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: MI

Complaint narrative:
a Company call XXXX showed up on my consumer credit report on XX/XX/2017 as " XXXX XXXX ''. Their address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone number, ( XXXX ) XXXX. I NEVER applied for XXXX XXXX from this company, never.

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 2018-08-08 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: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
First, the status of limitation is complete involving relationship with your Caliber. Second, your company has not receive payment with me since XXXX. Third, XXXX sold the mortgage to Caliber in XXXX of XXXX. XXXX, I had to restart modification over again. My reason for modification was to remodel the home to accommodate my husband, which fell down the step twice, which was already a XXXX XXXX XXXX. I had to move in XXXX of XXXX because there was no response to the modification in timely fashion and husband condition worsen. I had already moved before Caliber agreed to give a modification. Five, never receive one dime from me and reporting payments never obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions Specialist, Inc.
State: AL

Complaint narrative:
This account is not mine. I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I applied for retail credit with XXXX XXXX out of XXXX, MN on XX/XX/2018. The promotion was no interest if paid within 24 months ( the minimum monthly payments may or may not pay off the promotional purchase before the end of the promotional period ). XXXX, the sales person, stated I qualified for the deferred interest/no interest if paid in full within promotional period. I stated several times I only want financing where I can pay the minimum but not equal monthly payments for the 24 months. My first bill arrives and I was signed up for equal payment for 24 months. Payments are {$600.00} per month. Exactly, what I did not sign up for or wanted. I contacted XXXX XXXX and was told I needed to speak with XXXX. XXXX left me a voice message stating there are only 2 options with Synchrony Financial and so he just signed me up for equal payments. I left a voicemail for XXXX explained that's not what I signed up for and it needed to be corrected as I spoke with XXXX, ext XXXX at Synchrony Financial and it was XXXX XXXX who made the error and they were the only ones who could correct the financing error. It's the end of XXXX and I still have not had any word back from XXXX or anyone at XXXX XXXX on the issues I've had with them. I've filed complaints with the Minnesota Attorney General 's Office, I've disputed it with Synchrony Financial, and with the Minnesota Department of Labor and Industry. This financing was a switch and bait and fraud tactics were used.

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 2018-08-08 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: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX of XXXX I received a hard inquiries on my personal XXXX Credit Report from PNC Bank which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from PNC Bank in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XXXX. While nothing has happened this year, I would like this to be addressed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I did not owe XXXX XXXX XXXX. I do not owe XXXX XXXX, {$640.00} or any other amount, XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I have a POA ( Power Of Attorney ) to act on behalf of XXXX XXXX XXXX, the father whose daughter, XXXX XXXX, was a student who passed away in 2015. The father was the co-signer and has continued making payments since his daughter 's death. 

Since last year, I have been in continued contact with AES ( American Education Services ), the current student loan processor, seeking loan forgiveness. 

Except for this loan, all of the student 's other private student loans were forgiven due to death. 

In XXXX of last year, I'd located and contacted the original lender ( XXXX XXXX  ). I was told that XXXX  's policy is to forgive student loans when the student borrower passes away. Unfortunately, XXXX had sold the loan and had no record of whom it had been sold to. XXXX had no record of when the loan was sold ( ie. before or after the date of the student 's death ). XXXX told me that they had changed computer systems and loan processors and dated records no longer exist. I was directed to their current loan processor, AES, with whom I had already initiated contact. 

It took most of last year, to locate the loan with AES, to get them to agree that the loan should be forgiven, and to get them to request loan forgiveness. It also took most of the year before AES would divulge to me that XXXX owns the loan. Since last year, I have made THREE formal requests via AES to have the loan forgiven due to death. Each time, AES has sent a letter to XXXX making a formal request for loan forgiveness. XXXX has not responded to any of the requests that AES has made. 

The student was the father 's only child ; thus, the loss was and continues to be extremely traumatic. Every time that he made a payment, he relived the loss of his only child and grieves. I've explained this to AES countless times. In fact, the grief was so great that the father, against my advice, PREPAID a significant portion of the loan just to avoid the pain at payment time. 

Based on research that I've done, I believe that XXXX  has lost all records ( ownership paperwork ) for this student loan. XXXX 's failure to maintain or locate the loan record should NOT prevent them from forgiving the loan. 

I've attached a copy of an AES letter to me. This letter contains copies of AES letters sent to the father confirming the last two formal requests that I'd made to AES for loan forgiveness from XXXX. These documents have all of the relevant information needed to identify the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In 2015 I realized I was a victim of identity theft. For several years my " trusted '' accountant was using my credit cards and opening accounts in my name for her own financial gain. It has been difficult for me to clean up the mess since it occurred over a long period of time. The remaining accounts in question are with American Express. I am not claiming that all of these accounts were fraudulent. The fact of the matter is that there were so many accounts involved, and it happened so long ago, that I can not say with certainty which accounts are 100 % mine. I wrote American Express a letter requesting my signed contracts and monthly statements so I could investigate which accounts and transactions were mine. They currently show a status of " charged off ''. I'm self employed and rely on my credit to fund my business. This obviously hurts me. I want to pay what I owe and fix the rest so I can move on with my life. AMEX did not respond. I wrote them 3 more times and included the police report. They never responded. Just today they called me and offered to settle my balances for 65 %. They further claimed they had no record of my police report. I'm offended that they couldn't care less about my situation and only want to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Elite Financial Services, Inc.
State: MO

Complaint narrative:
Today : XX/XX/18 I tried to call and resolve my debt and the debt collector was rude, antagonized, and belittled me, and when I said I would review my finances and call back in a couple of days he told me they would mark the account as a refusal to pay and hung up on me. I proceeded to call back and insist that I did NOT want a cease and desist placed on my account, that I wanted to pay it, but needed a couple of days to review my finances to which he responded reviewing finances does not take a few days, the debt is delinquent, and if I was serious about paying it I would pay it now, he then proceeded to tell me not to call back, and hung up on me a second time. I reached out in good faith to resolve this, and was insulted, belittled, and told that I would not be able to resolve it.

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

Complaint narrative:
On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I received a hard inquiries on my personal Experian Credit Report from XXXX XXXX  which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX XXXX  in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XX/XX/XXXX. While nothing has happened this year, I would like this to be addressed as soon as possible.

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 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: GA

Complaint narrative:
On XX/XX/2018 I contacted National Recovery Agency by certified mail to inform them that they had listed some incorrect items on my credit report. 
They have missing information for my account number and they have the status as open, when that account is closed and has been for months. When I contacted them they did not respond. All of this is in violation of the Fair Credit Reporting Act. They are supposed report correct information on my report and they have violated several laws, including not responding to my letter within 30 days. If that were not enough, with no action taken I reached out to them again on XX/XX/2018 by certified mail. But to no avail, no response again. Enough is enough! Improper reporting, missing info and incorrect status of my account is severely damaging my credit. I also reached out to the 3 bureaus where it was listed incorrectly and XXXX  deleted that account. I have enclosed copies of receipts of the certified mail, letters of communication to National Recovery Agency and a copy of my XXXX  report where it was deleted. Also I am writing the Attorney General Office and the XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I was a XXXX customer from XX/XX/XXXX until XX/XX/XXXX. I then cancelled my services, paid my final bill, and returned all equipment. I initially found a collection account on my credit report in XX/XX/XXXX from XXXX, but being billed under XXXX XXXX, in the amount of {$360.00}. I immediately disputed the charges and it was confirmed as inaccurate and removed from my credit report on XX/XX/XXXX. The collection popped up on my credit report again under XXXX XXXX XXXX ( for XXXX ) in XX/XX/XXXX. I immediately disputed it again and once again it was found inaccurate and removed from my credit report. Then the same thing happened once again in XX/XX/XXXX and I have been fighting it ever since. I have been dealing with XXXX and Convergent ( the new creditor/collection agency ) and no one has been able to provide any proof that this debt it legitimate but refuses to remove it from my report. I asked for a copy of the supposed bill and received a copy of a bill that was for a billing cycle 2 months after my cancellation of services. None of the numbers match up and no one is willing to help me. I have attached a copy of the evidence they sent, it doesn't make any sense at all.

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 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have three accounts with PNC and on XX/XX/18 I return from XXXX. We had money in our main joint account when checked on mobile banking app. At no point did it say I was overdrawn. If so we had additional money in another account. At about XXXX and email came to my inbox saying we was overdrawn my husband check account and we had already been charged XXXXfees for ATM FEES WHEN TRAVELING. We get the ATM fees back at end of month. Went in to downtown branch on XX/XX/18 and was told the same thing fees came from ATM charges and was told would be forwarded up to be reviewed. Was called back on XX/XX/18 and was told fees couldnt be refunded. We are never over on our account this is our second vacation and the first time the same thing happened and fees was refunded. We didnt get timeframe to transfer funds before charged. I dont feel like this is fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2018 I submitted at letter to Kohls/Capone regarding an inquiry on my XXXX  Credit Report. I do not recall authorizing to get an account with their company Kohls/Capone Date : XX/XX/2018. I called an spoken with someone from Kohls/Capone XX/XX/2018 and that person stated that its no way they can remove it from my XXXX Credit File. I then disagreed with the company due to it being in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergys
State: FL

Complaint narrative:
This letter constitutes a formal complaint against Encore Receivable Management Inc. for intent to report inaccurate and incomplete information on my credit report on any bureau. While I do take under consideration that mistakes happen, inaccurate information could cost me higher interest rates as a result of their negligence. Encore does not have my permission to advertise against me on any credit bureau organization. 

Furthermore, I hereby deny consent for you ( Encore Receivable Management Inc. ) to contact me in any manner other than by certified letters to my address. Do not call, email, text message, visit my home or contact any of my friends, neighbors, co-workers or family members in an attempt to acquire any type of information on my person. I am also demanding that you delete my account from your records within the next 30 days as I do not have a contract with you. The FCRA requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you ( Encore Receivable Management Inc. ) can provide a copy of a credit application authorizing the disclosure of my credit files with my wet signature on it, only then will I accept your inquiry. Otherwise you will have to remove any negative remarks made on my credit files. 

This dispute letter is being sent in the allotted 30-day timeframe as specified in your initial contact letter. You now have 30 days to comply with your proof of claim and gather any evidence, including any signed wet signature contracts between both parties and/or any court order expedited against me. You must present me with certified copies of each ( if any ) of those documents exist. If you do not contact me within the next 30 days I will assume all my demands have been met. Should there be any questions on procedure please refer to the Fair Credit Reporting Act. 

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 611 - 15 U.S.C. 1681i Please mail me a copy of the signed application/letter indicating your intent in removing any negative remarks on my credit within 30 days. 

Thank you for your prompt response on resolving this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I received a car loan from American Credit Acceptance for a XXXX XXXX XXXX. I did become delinquent however when speaking with them attempting to pay off the loan, I was informed that I could only pay using the automated system and to just pay what it tells me too. I did as instructed and paid the amount provided over the automated system in XX/XX/2015, I paid over {$2000.00} when the remaining amount on my loan was under that. I was informed later that I did not pay it off and when I called to find out why they flat out refused to assist me. They did they would pull the call where I was informed that I could only use the automated system to pay the account off and get back to me. They have never gotten back to me. I have attempted to dispute this item several times but every time they cause undue harm to my credit score by  attempting to make the debt appear as new and delinquent. They have charged off my account however continue to charge me a Per Deum on an account that was paid in full 3 years ago. As well as there was nothing on automated system to instruct this was not a total pay off amount. It did state that I was paying the total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
Company has called several times and left message stating " Important message, this is AR resources this is a message from a debt collector please call XXXX '' When called back the phone immediately went to voicemail. The phone was answered again by a man that demanded information such as address and social security number and provided a ten-year old address as verification of my identity. He then called from a different number ( XXXX ) to continue verifying information. He stated that the supposed {$700.00} ( approx. ) I owed to a school from ten years ago was in collections and that they had sent mail that I had ignored ( again the only address listed was from 10 years ago ) There is no debt owed to this school and I have never been contacted regarding this previously. It is my impression this is a scam.

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

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX  ( XXXX ), XXXX XXXX/XXXX Acct XXXX ( Experian, XXXX ), XXXX XXXX, AcctXXXX ( XXXX ), XXXX XXXX Acct XXXX ( Experian, XXXX  ), XXXX XXXX Acct XXXX ( Experian, XXXX. XXXX ), XXXX XXXX XXXX XXXX/XXXX Acct XXXX  ( Experian, 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