vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 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: TX

Complaint narrative:
Pertaining to the Report Number : To Equifax Dispute Resolutions Team, This is to advice your company of a potential lawsuit pertaining to your scoring system. Attached is a credit file from yesterday, with no changes to the file with a score of XXXX, and today, here is a different score XXXX. <P/>There have been no changes other than positive reporting, and updated positive account information so there is no reason this score should have dramatically dropped in that manner. I wish not to get the Federal Government involved, but I take my credit very seriously. If you have an individual at your bureau, going into my file, and conducting illegal reporting, especially pertaining to my addresses and personal information, I will not hesitate to contact the proper authorities as I do not authorize such individuals to do such things. There have been no changes with the exception of positive reporting, and I would ask that your bureau do a thorough investigation into this matter, as I do not wish to file a lawsuit. My score is not XXXX. <P/>I also opened an investigation on XXXX XXXX XXXX more than 30 days ago, that has yet to be addressed and removed. The other bureaus have removed the fraud collection, but equifax took way too long to remove it. I am in the process of trying to rebuild what so many have tried to ruin, along with my credit, that I was able to salvage from all of the identity theft, and other criminal acts that are being investigated. <P/>I also had a huge concern pertaining to my personal data being released to people who had no authorization to view it, or obtain any information, sale or trade anything pertaining to myself on my credit file. I attached a protective order validating that fact. It seems as though someone within that bureau has been trying to manipulate my credit report and it 's scoring, and that is illegal. Please see the attached protective order requesting this bureau and the others, discontinue with the sharing of my address information publicly as it violates a legal Court Order.
<P/>
For Example, XXXX XXXX reported to the bureau that the account was up to date on the XXXX, and then on the XXXX as you can see, someone went into the bureau system, and possibly manually adjusted the account and stated it was 60 days past due with a balance of XXXX owing and it was n't. Someone went back into the system today, and adjusted it to say 30 days past due {$300.00} when the account is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
I received notice  from Lloyd & McDaniel   XXXX   XXXX   XXXX   XXXX  ( dated    XXXX   XXXX   XXXX   ), stating  that   XXXX   XXXX   XXXX   had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on    XXXX   XXXX   XXXX   (  Certified Return Receipt ) to the   XXXX   XXXX   stating that I was willing to make payments on this account. The letter was received at the  XXXX .  XXXX  address provided on    XXXX   XXXX   XXXX      at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website  on   XXXX   XXXX   XXXX    and no response was ever provided.  <P/> On Saturday,    XXXX   XXXX   XXXX   I receive a n otice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THIS IS A NEW COMPLAINT BASED ON Portfolio Recovery Associates LETTER DATED   XXXX   XXXX   XXXX   ATTACHED.
<P/>
Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}. Portfolio Recovery Associates, LLC and the seller Creditor   XXXX   XXXX  , who failed to provide proof of debt, as to the electronic purchase from   XXXX   XXXX   to Portfolio Recovery Associates.
<P/>
Portfolio Recovery Associates, per the attached letter dated   XXXX   XXXX   XXXX   did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
<P/>
Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; Portfolio Recovery Associates, did not prove it paid {$2300.00} to   XXXX   XXXX  , as they failed to provide proof of debt via copy of the electronic purchase from   XXXX   XXXX  . Their letter dated   XXXX   XXXX   XXXX   is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hi, We stay in  XXXX  and worked with a legal professional registered with  XXXX  of  XXXX  to help our brother migrate to  XXXX . We paid his service fees on   XXXX   XXXX   XXXX   from our bank  XXXX   XXXX    XXXX    XXXX   XXXX  to  XXXX   XXXX   XXXX   XXXX  in  XXXX  and as the money was in USD it had to be routed through BANK OF AMERICA in USA. On   XXXX   XXXX   XXXX     our bank told us the money has been held by Bank of America as there were some  XXXX  entries missing from the recipient 's side ( Recipient 's name, occupation, address, residency status ) so we got this information and passed it to our bank and they forwarded it to Bank of America, then a couple of days later we were told by our bank that Bank of America has held the money under suspicion of an International Bounced Cheque list by my brothers name while my brother has never issued any cheques internationally or locally which can be verified by our bank in  XXXX .  <P/> The issue is the Invitation to Apply for  XXXX  PR is only valid for 90 days and coming  XXXX   XXXX  this invitation will expire and till date Bank of America has not responded to our plight via our bank. We tried to call bank of America Mr  XXXX   XXXX  from Bank of America Investigation and the person told us that we are not allowed to speak to anyone from the investigations department.  <P/> Seeing our time being critical we requested cancellation of this transaction about  1  week ago but Bank of America is not responding to our bank or us claiming pending investigation, so we made another payment via  XXXX   XXXX .  <P/> Kindly help us to get our {$3900.00} amount and we do not reside in USA to be going after Bank of America.  <P/> Thank You

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 2017-06-05 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: OH

Complaint narrative:
There is still a number of fraudulent accounts on my experian. These accounts in question has not been validated. I reached out to the companies to send me a signed documentation with my signature on the application and its been over 30 days and have not gotten a response. I know for a fact that Experian has not verified any of these accounts accordingly. XXXX is not a proper way of verifying fraudulent accounts. These accounts should not be on my credit report unless given permission. Under the XXXX Law Dictionary VERIFY means : To confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. The word " verify '' sometimes means to confirm and substantiate by oath, and some- times by argument. <P/>XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX are all fraudulent accounts and have not been verified nor validated. No consumer should have to endure such a horrific situation. These accounts was removed and put back on my credit report without the proper method of verification or the proper validation request I sent to each company. Remove 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 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
simons agency has multiple collections on all of my credit reports ALL of these have been paid by medical insurance and they are attempting to collect amounts for a dollar in some case.   there are multiple law suits against Simons, they refuse to answer my calls and hang up on me when i call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS IS A NEW COMPLAINT BASED  ON   XXXX   XXXX   XXXX  LETTER DATED  XX/XX/XXXX  ATTACHED.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ), section 807. False or misleading representations,  ( 2  ) The false representation of  -- ( A )  the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}.  XXXX   XXXX   XXXX ,  XXXX  and the seller Creditor Capital One, who failed to provide proof of debt, as to the electronic purchase from Capital  One  to  XXXX   XXXX   XXXX .  <P/>  XXXX   XXXX   XXXX , per the attached letter dated  XX/XX/XXXX  did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XX/XX/XXXX ), section  807. False or misleading representations, ( 2 )  The false representation of -- ( A ) the character, amount, or legal status of any debt ;  XXXX   XXXX   XXXX , did not prove it paid {$2300.00} to  Capital One, a s they failed to provide proof of debt via copy of the electronic purchase from Capi tal One.   Their letter dated  XX/XX/XXXX  is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: GA

Complaint narrative:
I placed a call to equifax and  XXXX   In reg ards to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to Equifax and  XXXX  they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX     2017  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
I received notice from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  dated   XXXX   XXXX   XXXX   ), stating that Barclays Bank Delaware had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on   XXXX   XXXX   XXXX     ( Certified Return Receipt ) to the Law Firm stating that I was willing to make payments on this account. The letter was received at the  P.O. Box  address provided on   XXXX   XXXX   XXXX     at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website on   XXXX   XXXX   XXXX     and no response was ever provided.  <P/> On Saturday,   XXXX   XXXX   XXXX     I receive a notice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.

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 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
THIS IS A NEW COMPLAINT AGAINST CHOICE RECOVERY LLC AS THEY FAILED TO VERIFY THE MEDICAL DEBT MAKING FALSE STATEMENTS TO COLLEC T Choice Recovery LLC is  perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public La w 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807.  False or misleading representations,  ( 2 )  The false representation of - - ( A )  the character, amount, or legal status of any debt ; My complaint is addressing the amount of the debt of {$50.00}.  Choice Recovery LLC  and the Creditor (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  ) has failed to provide proof of debt.  <P/> Whereas,  Choice Recovery LLC a nd their client (  XXXX   XXXX   XXXX   )  are making a false representation of the amount of the alleged medical debt.  <P/> They must provide the following  medical services : 1 )  Dates of th  e medical services.
2 ) What medical services did they provide.      3 ) Provide proof the medical services  rendered.    4 )  Copies of all payments made by me.    5 )  Copies of the insurance reimbursements.    6 ) Tot al amount billed to the insurance carrier.    7 ) Total insurance carrier  paid.    8 )  Copies of the copays.    9 )  Copies of the Co-insurance.    10 ) C opies of the insurance contractual adjustments.    11 ) Copy of the ACTUAL  insurance  carrier  reimbursement vouchers.    12 )  Copy of their insurance contract with the insurance carrier.  <P/> Choice Recovery LLCs failures as required by the Fair Debt Collection Practices Act, should be fined by the CFPB for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is in response to prior claims that have been submitted and closed due to the response of the creditor. Claim file numbers are  XXXX  and  XXXX .  <P/> The foreclosure sale has been process my motion to dismissed was denied as expected, to think that the judge would listen to my case and my concerns was foolish. However I received this letter that I have attached from Citimortgage and have followed up on this I have not heard back. I want to the outcome and has this request has been processed and I am entitle to this refund. As their claim is that I did not make any payments while my file was in foreclosure but checks were processed cashed.  <P/> Please advise, thank you.

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 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan Servicing LLC After falling behind on my mortgage payments, I requested a modification of my loan. After  2 attempts, I was approved for a modification. The company asked for three months of trial payments before approving the modification. I requested 3 times to see the terms, in writing, of this proposed modification but was told that this information is not available. My lastest conversation was with a " relationship manager ''  today  XXXX   XXXX ,  2017 . I was told that I could not speak to anyone in Underwriting, could not receive the terms of my proposed modification and that the relationship managers did not have access to any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: GA

Complaint narrative:
I placed a call to  XXXX  and experia n In rega rds to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to  XXXX  and experian they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX   2017  ).

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 2017-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NC

Complaint narrative:
I have calle d Sallie Mae  over 7 times in order to get the second disbursement of my loan funds for my bar exam study loan. The company told me that it would take three business days for the request to disburse the funds to go through - and that they would then send out the check. This was on   XXXX   XXXX  . I called back three business days later, and they first said they had no record of this request, but then said that the request had gone through -- - but there was no indication in their system about when or if it would disburse. I again told them that I wanted the funds disbursed to me  [  you get to choose your disbursement date ] and they said it would take another business day. I have repeatedly kept calling, asking where the funds are and what is going on, and they have  XXXX  information. They said there was a delay because of  XXXX   XXXX  ... even though I initiated this on   XXXX   XXXX  , well before that holiday, and it is now   XXXX   XXXX   The company still has the funds, they will not give me any information about my loan or when the money is coming through, and have repeatedly stated that there 's nothing else they can do for me. Except to tell me to wait three business days and call them back. I have tried to add my husband to my account, to allow him to call them as well, and have done this THREE times. Each time they take down all of his personal information, and he is never added to the account. Further, they state that there was no notes about adding him to the account and they have no record of this ever taking place. Which is concerning, because he has given out his personal information to three differen t Sallie Mae reps.  We are now concerned these individuals are stealing his personal information, which includes social security number. This company is horrific to deal with - they do not give accurate information, they do not allow you to speak to managers or anyone higher on the staffing list, they do not actually send documents or information when they state that they 're going to do so, and they currently have {$5000.00} of my funds that they refuse to disburse to me even though I am paying interest on this loan. I have never had student loans before and never dealt with a private loan company, and this is truly disgusting. They should n't even be allowed to exist or work with consumers, as they are nothing but a scam and have totally inept crooks working for them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately

Company response to consumer: Closed with explanation