vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: TX

Complaint narrative:
I do not know where they got my # from but told 2 agents in separate ocassions tha the person they looking for is not me and i have No Business with ERC block the # and they called from a different # is very annoying and disrespectful, i did Not cosign for anyone Im Not The Person they looking for ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
I am currently in a settlement agreement with Rausch Sturm Collection concerning a debt for XXXX XXXX   XXXX aka XXXX. The agreement was dated XX/XX/XXXX from XXXX XXXX, Director of Collections for Rausch Sturm to the Debt Consolidation Agency , XXXX XXXX XXXX XXXX XXXX, I am currently working with, in reference to my debt. The first payment went out on XX/XX/XXXX, per the agreement, and has continued since to this day. The last payment is expected on XX/XX/XXXX. I have been making my payments regularly and have proof. I also have proof of the settlement agreement from XXXX XXXX, Director of Collections to Rausch Sturm dated XX/XX/XXXX outlining the agreement sent to XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, Rausch Sturm XXXX Office filed a lawsuit for judgement against me. The case is expected to go to trial on XX/XX/XXXX. No one at Rausch Sturm wants to talk to me in order to resolve this issue. I am still making payments per the agreed settlement, but they still won't remove the open court case against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Many hard inquiries that I have not submitted for

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 2018-10-25 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I contacted CFPB a few months back to try to get this negative account removed from my credit report and the representative from Portfolio Recovery stated that they don't remove tradelines after they are paid in full or settled.

After further investigation and looking on their website, which I have included the link to their website facts : https : //www.portfoliorecovery.com/XXXX It states per their website : Do you remove the account from credit reports after it has been resolved?

Yes. Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

I previously paid off my account with PRA. Are you going to remove it from my credit report?

Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

My account was paid in full for less than the full balance but it was not deleted. I am requesting that this tradeline be deleted from a

ll 3 credit reports. Please reference their FAQ 's link on thei
r website as it pretains to removing tradelines after the account has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Someone open this account in my name, not my account the company found out this account was a fraud they have not removed it from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
I did a payday loan in XXXX for XXXX dollars and am now struggling to pay it. The APR is 611 %. If I pay one more time on XX/XX/XXXX, this will cover the XXXX dollar loan. I am on the East coast in NC and we are still struggling from Hurricane Florence. I realize I should have not taken out this loan and do not plan to do it again, but I would like to be relieved of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CT

Complaint narrative:
There is a fraudulent account on my credit report. I have disputed the account and the subsequent collection account directly with the creditor several times to no avail. I have requested any and all proof of who opened the account and have only been provided with billing statements. I was told by the collection agency to file a fraud report with the FTC however I have a child in college and I am in the process of buying a home. Placing a fraud alert on my credit alert will cause major inconveniences when applying for student or home loans. This is the only fraudulent account that has ever appeared on my credit report and I do not believe that I should be inconvenienced any further due to this company 's failure to properly identify applicants. I finally decided to dispute with all 3 credit bureaus. After investigating XXXX   deleted the collection account. XXXX closed the collection account. Equifax verified the original account and the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
Went to XXXX XXXX XX/XX/2017 paid the amount owed the doctor said come back 7 day later there would be no charge this collection agency is puttin false charges on my XXXX XXXX XXXX credit reports I done went back to XXXX XXXX  they said there was no charge this collection agency should be fined by the federal government + they are putting medical information in credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
XX/XX/XXXX Nelson Cruz and Associates XXXX called me telling me I had an old debt with XXXX XXXX and was that I being sued and my home foreclosed on. I have no idea what they are referring to. They refused to send anything in writing. Got very hostile with me. Called my daughter as well. This firm continues to to call my daughter who is a teacher my elderly parents and my sister. 
XX/XX/XXXX NCA called my elderly parents and bothered them. called my sister as well. 
I called them back. They refer to cross collateralization on a debt from XXXX. I asked again for them to send me a letter stating what and if I owe. They again refused. They state I owe XXXX XXXX XXXX from a debt from XXXX-XXXX. they can not tell me if its a loan credit card or what. I know on no such debt.

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 2018-10-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed 2 medical charges that ended up on my credit report with all 3 credit bureaus. XXXX   and XXXX have responded and stated that I was correct and these were not my bills nor could have provide valid proof and they have removed these from my credit record. Equifax on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Equifax has dropped my credit another XXXX points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was involved in the great Equifax incompetence credit fiasco of a few years ago. I attempted at that time to acquire my credit report, but was unable to due to computer problems and the difficulty ( intended ) of using their system. At that time I placed a credit freeze on my account in vain hopes of preventing any more damage to my file than Equifax already had done, through their GREED DRIVEN incompetence. I never did receive a verification that this ever took place. I have worked hard and paid smart all of my life in order to have and protect a good credit score. 

Over the last several years I have noticed a decrease in my score. Although my bill paying habits have remained the same. 

I was recently denied a credit line increase thru one of the credit cards that I own. 

I attempted both over the phone and online to request a free report ( AS PRESCRIBED BY LAW ) All that XXXX XXXX Equifax wants to do is charge me money for something that's supposed to be free. I will not under ANY circumstances give those XXXX one XXXX iota of my money. 

No method I have attempted for resolving this has worked. Meanwhile my score continues to decline without me having any mechanism to determine if it is due to fraudulent activity. ( Remember, these same XXXX XXXX XXXX away my information ) And heaven help me if there is fraudulent information and I have to go through these sorry sacks of XXXX to correct it. 

How can I end this continuing nightmare, that as you can easily see, gets my XXXX XXXX thru the roof? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: OH

Complaint narrative:
I took out a payday loan from XXXX XXXX, in Ohio, in XXXX. I then enrolled in Consumer Credit Counseling to consolidate and reduce my debt, including payday loans. 

Then a couple of months ago, XXXX XXXX, XXXX in XXXX, GA, contacted a family member of mine, telling my family that I owed XXXX XXXX for this past debt from XXXX. XXXX XXXX   pressured my family member to provide some information regarding this loan, including threatening a lawsuit or criminal charges brought against me. XXXX XXXX told my family member that the statute of limitations on payday loans in Ohio was up to 12 years. I was never contacted in any format, including by phone or through writing in the mail, about XXXX XXXX ' claim of this loan. 

I check my credit score every couple of months, and on XX/XX/XXXX, I saw that XXXX XXXX listed this issue as a derogatory mark on 1 of my 3 credit reports. In this derogatory mark, XXXX XXXX   lists the opening date of the loan as XX/XX/XXXX, which is false information. 

I have filed a direct dispute with the Credit Reporting Agency that lists this derogatory claim on my credit report, and I am currently waiting on the results of this inquiry. 

The name and contact information of this company that is making this false claim is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
received numerous calls from Midwest Recovery Systems. Spoke to them today at noon on XX/XX/XXXX and they are stating that I have a debt for over {$3000.00} for XXXX XXXX from XX/XX/XXXX. We have always used XXXX XXXX ( 15+ years ) and it is under my wife 's name and not mine. They say it is affecting my credit report and I need to pay immediately. After reading other testimonials online, it became apparent that this company has been scamming people for some time by making up fake debt and reporting to credit agencies. They called me from XXXX and provided a website of XXXX and told me to update my address online. They say I made a payment of {$50.00} on XX/XX/XXXX, which I definitely did not!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to CBNA/Best Buy XX/XX/XXXX, XXXX credit card XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.

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 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/18 I went to the transunion web site for a free credit report. I filled out the info and got my score. I then received an email saying that I owed {$19.00} and would get a recurring monthly charge for that amount. 

There was no indication upfront that I would be charged or that I was signing up for a monthly service. 

I called their support number and after 15 min or more of them telling me of all the great services this provided I was able to get my subscription canceled and told I would get my initial {$19.00} back after 3-5 days.

There needs to be a very noticeable warning that if you enter the info you're going to be charged. 

I am outraged that they can get by with this kind of deception!

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 2018-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC
State: TX

Complaint narrative:
From XXXX to XX/XX/XXXX, my wife and I worked with the XXXX XXXX XXXX to close on a house, which I currently resided in. From XXXX to XX/XX/XXXX, my wife and I worked closely with our XXXX XXXX XXXX agent, who worked at the XXXX XXXX XXXX. During this time, I sent multiple paystubs, applications, and documents ( to include my VA XXXX Letter ) to our XXXX XXXX XXXX agent. Unfortunately, we found out through our XXXX XXXX  XXXX agent that she was fired sometime between XX/XX/XXXX and XX/XX/XXXX. 
Because of this, the owner of the XXXX XXXX XXXX ( NMLS #  XXXX ) took over to assist us in closing on our future home throughout the month of XXXX, XXXX. Since the owner of the XXXX XXXX XXXX took over, we had to resubmit ALL of our documents to the owner of the XXXX XXXX XXXX via email and seemed like he was confused on the appraisal of the house. In order to ensure that the house appraisal was correct, my wife had to recruit the assistance of our realtor to provide the accurate home appraisal. I had multiple conversations with the owner of the XXXX XXXX XXXX to clarify my VA Rating being XXXX %, not XXXX %. The closing of our home was postponed and rescheduled two different times. Finally, my wife and I closed on our home on XX/XX/XXXX. 
In XXXX of XXXX, I received a letter from my current mortgage company, XXXX XXXX  ( XXXX. XXXX XXXX, XXXX, TX XXXX ), that I have an Escrow Shortage of approximately {$7700.00}. Sadly, XXXX XXXX only provided me 1 week notice that my mortgage payment increased from {$1300.00} to {$2000.00}. After multiple attempts, XXXX XXXX  was only able to provide a 3 year payment plan that decreased the {$2000.00} payment to now a payment of {$1900.00}. I also called the XXXX Tax Appraisal Office to figure out what happened. After discussing my issues with my agent, she explained that apparently when my house was being closed on, the original lender ( XXXX XXXX XXXX ) was using the wrong appraisal information. The agent also mentioned that my VA XXXX was wrongly inputted as XXXX %. I explained to her that I was rated at XXXX %. In the county of XXXX, veterans rated at XXXX % have no property taxes. Veterans who are rated between XXXX %, get a discount on property taxes. Because of this discrepancy, I now have an escrow tax shortage of {$6000.00} and an insurance shortage of {$1700.00}. All of this could of been paid off if my original lender ( XXXX XXXX  XXXX ) used the correct home appraisal information and used the correct VA XXXX Rating. Throughout this process, my family and I have incurred late fees and extra mortgage costs due to the XXXX XXXX XXXX mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
To whom it may concern : I have been trying to save my home and to get approved for loan modification since XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. 

I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification.

After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and now state that they will not even look at a modification application. 

I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I submitted a dispute with Experian, XXXX and XXXX concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu. 

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.

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