vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I was stunned when I discovered a collection account on my credit from AWA collection. I don't know what the account is for and I never received notification from them about the debt. I have sent them several certified letters from my local post office and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Received a letter dated XX/XX/XXXX to a XXXX XXXX from Portfolio Recovery Associates, LLC attempting to collect on a 12 year-old ( and disputed ) {$9000.00} debt. This debt is not only well past the statute of limitations in Idaho and in Washington, it was disputed by me, in writing, to Portfolio Recovery Associates, LLC, multiple times, the most recent of which was 8 years ago. 

I am concerned about this illegal collection letter/attempt and any impact it may have on my credit bureau scores. The illegal collection letter also reads deceptively with a colored band across the upper portion of the letter titled, " Choose a savings plan that works for you. '' Finally, please note : My legal name has not been XXXX XXXX, the name to which this letter was addressed, since XXXX. This alone is a good indicator of how long I have been disputing this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Several years ago, when security freezes were first offered, I set up freezes with all 3 credit reporting agencies. For Experian, I selected my own PIN ( and saved it electronically with a password keeper ). I recently tried to un-freeze my account and Experian did not recognize my PIN. As a result, in XXXX or XX/XX/2020, I sent them all of the required information in the mail - driver 's license, social security card, current bill, and a copy of the notice - requesting that they reset my PIN. In late XX/XX/2020, I received back a letter saying my account had been temporarily unfrozen. I then tried to re-establish a PIN, and it would not let me. I received a similar notice saying I need to mail in all of the same information I just submitted. Experian is horrible, has horrible customer service, and just wants me to pay for their " lock ''. They are greedy money grabbers who take advantage of consumers. I've not been able to buy a new car ( and the price has since gone up due to expiring incentives ) because the seller uses Experian exclusively, so I have been damaged and may file suit if they do not respond quickly. They need to reset my PIN or allow me to do so, because they don't recognize the one I originally set.

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 2020-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
I'm disputing validity of the alleged debt in it entirety this company has been illegally attempting to collect a debt I do not owe and negatively credit reporting inaccurate information. never received notice in writing they did not investigate disputed information before reporting to credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Mailed check with coupon in provided envelope on XX/XX/XXXX for XXXX payment to mortgage company ( Select Portfolio Servicing , Inc ) .. Funds were debited from my account XX/XX/XXXX. Mortgage company presented same check for payment on XX/XX/XXXX and again on XX/XX/XXXX, generating two {$28.00} NSF fees from my bank. I called mortgage company XX/XX/XXXX to explain their error. On XX/XX/XXXX I received a letter from mortgage company stating a returned check fee and a late fee would be charged to my account. I called mortgage company again XX/XX/XXXX to discuss their error. I mailed a letter XX/XX/XXXX detailing correspondence. No statement or payment coupon was received from mortgage company for the XXXX payment, so I mailed a letter with payment on XX/XX/XXXX, which was .debited from my account XX/XX/XXXX. I subsequently received a letter dated XX/XX/XXXX from mortgage company asking me to contact them " if ( you ) are experiencing financial hardship ''. I wrote to mortgage company again describing their error and listing all correspondence regarding this issue. I have not received any response from the mortgage company and do not know if the fees were reversed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: CA

Complaint narrative:
Experian, is apparently ignoring my disputes. I have sent them a police report to advise them that they are reporting fraudulent data on my consumer credit report. Report Number XXXX and unfortunately they have added a security alert but the 3 accounts and inquires have not been investigated and or removed. I tried calling in addition to the dispute letters I have sent but- I am faced with extensive hold time. It appears they have remove the 5 different social security numbers but not the accounts- names and all fraudulent addresses XXXXr Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX inquires credit plus XXXX   XXXX  XXXX XXXX XXXX factual data protection XXXX XXXX resident screening factual data XXXX   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 2020-03-01 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: NY

Complaint narrative:
On XX/XX/2020 and today XX/XX/2020 I tried to submit a compaint to transunion online and also tried to contact the other 2 credit reporting agency 's. Transunion will not allow me online to view my report. I am submitting this complaint about XXXXXXXX XXXX XXXX XXXX. They reported that this account is delinquent. It is not delinquent. I have had many problems and issues with this card in regards to fraud that was done on the card months ago. I have spent numerous hours and days on the phone with them trying to resolve this dispute. I was constantly transferred back and forth from customer service to the fraud dept to investigations dept back to customer service etc. This has been an ongoing issue. However this card is NOT delinquent! I am upset at the fact that they reported this to the credit reporting agency 's and now my score dropped a huge amount. There is still a discrenpency with {$510.00} with this card that is still not corrected. This card has interest free till XXXX of XXXX. I expect to have the balance ( correct balance ) paid off before then so I do not have interest put on the whole balance. I am submitting this complaint for 2 reasons. My balance is wrong and I want that delinquent remark that was sent to the credit reporting agency 's corrected and removed.

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 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
Received a letter dated XX/XX/XXXX to a XXXX XXXX from XXXX XXXX XXXX, XXXX attempting to collect on a 12 year-old ( and disputed ) {$9000.00} debt. This debt is not only well past the statute of limitations in Idaho and in Washington, it was disputed by me, in writing, to XXXX XXXX XXXX, XXXX, multiple times, the most recent of which was 8 years ago. 

I am concerned about this illegal collection letter/attempt and any impact it may have on my credit bureau scores. The illegal collection letter also reads deceptively with a colored band across the upper portion of the letter titled, " Choose a savings plan that works for you. '' Finally, please note : My legal name has not been XXXX XXXX, the name to which this letter was addressed, since XXXX. This alone is a good indicator of how long I have been disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: NY

Complaint narrative:
On XX/XX/2020 and today XX/XX/2020 I tried to submit a compaint to XXXX online and also tried to contact the other 2 credit reporting agency 's. XXXX will not allow me online to view my report. I am submitting this complaint about XXXX XXXX XXXX XXXX. They reported that this account is delinquent. It is not delinquent. I have had many problems and issues with this card in regards to fraud that was done on the card months ago. I have spent numerous hours and days on the phone with them trying to resolve this dispute. I was constantly transferred back and forth from customer service to the fraud dept to investigations dept back to customer service etc. This has been an ongoing issue. However this card is NOT delinquent! I am upset at the fact that they reported this to the credit reporting agency 's and now my score dropped a huge amount. There is still a discrenpency with {$510.00} with this card that is still not corrected. This card has interest free till XXXX of XXXX. I expect to have the balance ( correct balance ) paid off before then so I do not have interest put on the whole balance. I am submitting this complaint for 2 reasons. My balance is wrong and I want that delinquent remark that was sent to the credit reporting agency 's corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX : I have NEVER given this company consent to my private personal information which is identity theft. This company nor whomever their client does not have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation, they need to retract this 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 explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NH

Complaint narrative:
I still have this on my Credit - Debt Collector ( Asset care Llc ) about XXXX XXXX XXXX. This is hurting my credit and its a Medical Bill which I have previously spoke with atleast 2 other Collectors about. I thought this was taken case of the last time I spoke with someone but apparently not. Can you please look into this? If I am wrong can you help me to understand this then? Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover has reported late payment to all credit agencies for XX/XX/2019 while the account balance was under case review with CFPBs guidance : COMPLAINT ID XXXX During the entire length of the review I was locked out of my account and unable to make payment. Additionally, the minimum payment due at the time was based off a much larger and incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XX/XX/XXXX TOYOTA MTR XXXX Late Payment XX/XX/XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NC

Complaint narrative:
I finished graduate school and my loans were due again. The payment was {$450.00} not including the new loans from my XXXX degree. I called to ensure my income repayment plan was in place in XXXX of 2019. They informed it was in place and my payment would be lowered and to wait for the system to properly apply my repayment plan. I sent two {$200.00} payments during this time to show I was attempting to repay the loan. After two months I owed the company {$800.00}. I called In XXXX of 2019 to see if my plan would be updated. They informed me that there was no plan in processing. I asked for options and they suggested a graduated repayment plan and we agreed on a payment I could afford. In XXXX, I called to confirm the details again. On XX/XX/XXXX I would pay XXXX to fedloan as part of my repayment plan for both the loans from under graduate and would also include my loans from graduate school. This was what we discussed. On XX/XX/XXXX I logged in to discover I owed Fedloan over {$2000.00} in missed payments and they had been negatively credit reporting me. I had been told once my new plan was in place my account would be brought to current those payments would no longer be owed and negative credit reporting would stop. None of that had happened. Fedloan called me that same week to collect a debt and the employee confirmed the details I had already been told including the cost of the payment, account brought to current, and ending negative credit reporting but that the plan would not take effect until XX/XX/XXXX. I logged in this last week to confirm the details to discover I still owed the company over {$2000.00} in missed payments and a letter saying my payment plan had been denied because I hadnt made three consecutive on time payments. Despite the fact I told them I could afford the payments and that I had been told it wouldnt matter once this plan was put in place. 

This is common with Fedloan. The only recourse offered is usually forbearance where the owed payments its rolled into the principal of the loan. This means if you cant afford payments they elongate your loan by dragging out the approval process to rack up several missed payments which cant be repaid ensuring the borrower will be unable to pay off the loan. Additionally, through negative credit reporting they can prevent you from re-financing because they have hurt your credit. And lastly, I cant move to another loan serviced so Im stuck trying to get an affordable repayment plan with company whose only interest is keeping me trapped in this loan as long as possible. It is impossible to hold them accountable. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-03-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-03-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX Account On Credit reprt is to old to be On my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. Capital One is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. XXXX  XXXX is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.

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 2020-03-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. XXXX XXXX is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. XXXX  XXXX is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.

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