vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-18 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: CORELOGIC INC
State: FL

Complaint narrative:
I was inquired multiple times by the same company in matter of days. Please remove XXXX XXXX XXXXDate Inquired: XX/XX/2019XXXX XXXX (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXXXXXX XXXX XXXXDate Inquired: XX/XX/2019TXXXX XXXX (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXX XXXX XXXX XXXXDate Inquired: XX/XX/2019XXXX XXXX  (XXXX)XXXX XXXX XXXXXXXX XXXX, CA 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 explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC
State: IA

Complaint narrative:
I opened a line of credit while paying in the check out at XXXX clothingXX/XX/XXXX for around $130 after providing my social security number. I thought the bill was paid as I continued to receive mailings, online orders and coupons at my current address. I discovered in XX/XX/XXXX the bill was not paid, had additional late fees the account was sold to a debt collector. I have found out my XXXX XXXX XXXX bill and credit card was being sent to a combination of my old and current addresses so I was not receiving any mail from them. XXXX XXXX  will not accept responsibility for the error and is not able to wave the late fees or recall my debt from collections as it is not their account any longer and asset recovery solutions is not willing to accept less than $XXXX to clear the debt. I still have not received any mailings from asset recovery solutions because they are using the address provided by XXXX XXXX XXXX. I do not believe this error is my fault in any way. I do acknowledge I opened the account near the amount of $XXXX but due to a clerical error on the behalf of XXXX or XXXX XXXX XXXX my credit score has gone from XXXX to XXXX over the course of a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I opened a line of credit while paying in the check out at XXXX XXXX XX/XX/XXXX for around $130 after providing my social security number. I thought the bill was paid as I continued to receive mailings, online orders and coupons at my current address. I discovered in XX/XX/XXXXthe bill was not paid, had additional late fees the account was sold to a debt collector. I have found out my XXXX capital one bill and credit card was being sent to a combination of my old and current addresses so I was not receiving any mail from them. Capital one will not accept responsibility for the error and is not able to wave the late fees or recall my debt from collections as it is not their account any longer and XXXX XXXX XXXX  is not willing to accept less than $XXXX to clear the debt. I still have not received any mailings from XXXX XXXX XXXX  because they are using the address provided by XXXX capital one. I do not believe this error is my fault in any way. I do acknowledge I opened the account near the amount of $XXXX but due to a clerical error on the behalf of XXXX or XXXX capital one my credit score has gone from XXXX  to XXXX over the course of a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I received a letter from FedLoan Servicing via email stating that my application for PSLF had been denied because I have not made 120 qualifying payments. According to my records I have made 120 payments. I consolidated my student loans to a Direct Student Loan under Income Based Repayment in XX/XX/XXXX. I have worked for my current employer, XXXX XXXX XXXX, as a XXXX XXXX XXXX  since XX/XX/XXXX. I submitted numerous employer certification forms between XX/XX/XXXX andXX/XX/XXXX and was confident that I had the correct type of loan for PSLF and was working for an eligible employer. During the 10 year period my loan servicer changed from US Department of Education AFSA to XXXX XXXX XXXX XXXX XXXX. Recently my loan was purchased back by FedLoan Servicing at my request because I was nearing the 120 payment goal. Between XX/XX/XXXXand XX/XX/XXXX there were several years during which my expected payment amount under the Income Based Repayment Plan was $XXXX per month. Per the PSLF guidelines, $XXXX payments count toward PSLF. I am able to access records from XXXX that demonstrate my compliance with repayment terms from XX/XX/XXXX through XX/XX/XXXX. I also have documentation of my payments made to FedLoan Servicing from XX/XX/XXXX through XX/XX/XXXX. I am unable to access my loan information from XX/XX/XXXX through XX/XX/XXXX because my servicer during that time, US Department of Education AFSA, no longer exists. Despite my understanding that FedLoan Servicing has access to my entire loan history, they don't seem to be able to find it. I don't know what to do now?! But I'll tell you what I'm NOT going to do; sit around and wait! I will call FedLoan Servicing every single day. I will call XXXX to get as many records from them that I can. I will call my congressmen. I will call or email absolutely everyone I can think of who might be able to help me. I am hoping CFPB might help me. When I first learned of PSLF I thought it was a dream come true! It has turned into a nightmare!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have no acknowledge of this account and I was a victim of Identity theft. Please take this off my record this really getting ridiculous. I have tried to reach out to the this company numerous of times no ANS

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 2019-08-18 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: FL

Complaint narrative:
I have had XXXX accounts since XX/XX/1981 but TransUnion recently changed my credit report to show a much shorter (and inaccurate) length of credit for me: 6 years.  I submitted the evidence to TransUnion using their dispute process, but all they did is delete one of my XXXX  accounts - which is also wrong.  I wasn't questioning the existence of one of my XXXX accounts; I was questioning the fact that they had previously deleted accounts with XXXX  that proved I have had accounts there since XX/XX/1981.  When they changed my oldest account from my XX/XX/1981 XXXX to a much more recent account, my credit score dropped by 70 points!

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 2019-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We owned a property in 2011 and sold the property in 2011. Almost three years later we did a home modification loan with Wells Fargo home mortgage. During the time of the modification they somehow, without our knowledge, put a lien on the property that we no longer owned. Now the owners are selling the property and cannot do so because there is a lien from Wells Fargo home mortgage when they did that modification. When contacted, they responded to the attorneys and told the attorneys to sue us directly. We are now having to respond to a lawsuit and also Wells Fargo is going to be included in the suit. I am going to the Media soon. We would like to prevent this from happening. I have all documentation and my attorney has all documentation. Wells Fargo sold the loan to XXXX and then XXXX, when contacted about the issue at hand, sold the loan to a XXXX XXXX Company, so it appears as though there's some type of fraud going on here and they will not speak to us and we are the owners of the property and we are paying the mortgage payments and they will not discuss anything with us. They have refused to speak to us time and time again and then their attorney responded by XXXX  to our address, telling the person who now owns the property, and by the way is a very good friend of ours, to sue us. We did not have any knowledge that there were any type of liens on any properties other than the one we reside on and they modified, however they put a lien on that property as well as several properties we no longer own and one we still own and they will not remove the liens. They are telling them to sue us and taking no responsibility for their illegal act so now it may go to the media as well as to the courthouse. I am located in XXXX XXXX Florida XXXX as well as the property we sold

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 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
About 3 years ago I was hospitalized In could not pay you need bills and I was living with my parents for a month after for recovery. I had 2 capital one cards,  That were marked 3 months late payments and my account was restricted and shutdown. When I finally got the opportunity I called them and they promised if I paid the full balance that day they would correct the late payments due to the situation and "unrestrict" my cards. I agreed paid both in full right there and requested 1 be cancelled and I would just keep the 1 card in total.  So they took my payments reassuring me they would be marked on time for the time I was in the hospital. Canceled the 1 card due to my request.  3 years later the other card is still restricted And they never marked either one paid on time like they had agreed . I have disputed this probably 10 to 15 times over the last 3 years I have called them multiple times over and over asking for supervisors writing letters and no one is holding up What I was told. I feel like I was taken advantage of by someone who wanted to get credit for taking a payment on a  Restricted accounts.  Today I called and they told me it's impossible for anyone to fix anything. I just want them to mark my payments on time like they promised on both cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
They call from XXXX to XXXX. Everyday. They call from different phone numbers. It has been taken off my credit report but they call Everyday. They call on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
About 3 years ago I was hospitalized In could not pay you need bills and I was living with my parents for a month after for recovery. I had 2 XXXX XXXX cards,  That were marked 3 months late payments and my account was restricted and shutdown. When I finally got the opportunity I called them and they promised if I paid the full balance that day they would correct the late payments due to the situation and "unrestrict" my cards. I agreed paid both in full right there and requested 1 be cancelled and I would just keep the 1 card in total.  So they took my payments reassuring me they would be marked on time for the time I was in the hospital. Canceled the 1 card due to my request.  3 years later the other card is still restricted And they never marked either one paid on time like they had agreed . I have disputed this probably 10 to 15 times over the last 3 years I have called them multiple times over and over asking for supervisors writing letters and no one is holding up What I was told. I feel like I was taken advantage of by someone who wanted to get credit for taking a payment on a  Restricted accounts.  Today I called and they told me it's impossible for anyone to fix anything. I just want them to mark my payments on time like they promised on both cards.

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 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
About 3 years ago I was hospitalized In could not pay you need bills and I was living with my parents for a month after for recovery. I had 2 XXXX XXXX cards,  That were marked 3 months late payments and my account was restricted and shutdown. When I finally got the opportunity I called them and they promised if I paid the full balance that day they would correct the late payments due to the situation and "unrestrict" my cards. I agreed paid both in full right there and requested 1 be cancelled and I would just keep the 1 card in total.  So they took my payments reassuring me they would be marked on time for the time I was in the hospital. Canceled the 1 card due to my request.  3 years later the other card is still restricted And they never marked either one paid on time like they had agreed . I have disputed this probably 10 to 15 times over the last 3 years I have called them multiple times over and over asking for supervisors writing letters and no one is holding up What I was told. I feel like I was taken advantage of by someone who wanted to get credit for taking a payment on a  Restricted accounts.  Today I called and they told me it's impossible for anyone to fix anything. I just want them to mark my payments on time like they promised on both cards.

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 2019-08-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: FL

Complaint narrative:
Performant Recovery is harassing me with the amount of phone calls I receive. They call me everyday multiple times throughout the day and they've also called me repeatedly before XXXX.

They are also calling my place of employment everyday more than once throughout the day. They have even faxed my employment several times.

They have also contacted my neighbors on several occasions. My neighbors had to resort to blocking their contact.

I can provide phone records of the call history with this company as well as the call/fax history with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: CA

Complaint narrative:
Equifax failed to investigate the accounts in my last dispute dated XX/XX/2019. They have done little to provide any evidence tosupport their “verification.” The burden of proof is not on the consumer. Equifax has not provided a method ofverification and has simply ignored my dispute and asked me to contact the creditor directly. I have in fact, onseveral occasions, contacted each creditor regarding my disputes and have not received a response or havereceived very little information that does not support the inaccurate reportings. This willful non-compliance isunacceptable and these disputes need to be treated with detailed attention. The “XXXX XXXX” verificationmethod is not adequate. These listings need to be manually reviewed and either updated or removed. BothEquifax and the creditor fail to prove or provide substantial or convincing evidence to support their inadequatereportings. If someone manually reviewed these disputes rather than depend on software to match storeddata, these listings would have been removed or updated properly after my very first dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Trans-Fast Remittance LLC
State: AK

Complaint narrative:
Hello, I used the money transfer service of Transfast for the following transactions : Transaction Number Date Amount XXXX XX/XX/2019 {$380.00} XXXX XX/XX/2019 {$210.00} XXXX XX/XX/2019 {$260.00} I was notified that these transactions were successfully completed however, my relatives still have not received the money on their accounts. Sadly, when I call the customer service, they either hangup the phone, complaint that that I am frustrated or put me on indefinite hold. 
I suspect the Company Transfast may have started as a legitimate money transfer and now including some sort of scams in their business. 

I need help recovering my money the soonest possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Have a current loan with a lender, I was changing positions from weekly to no weekly and the date of my house payment fell on the week I wasn’t getting paid, I called ahead to the lender and asked them if I could move my payment out a little so it would not be a late payment they agreed all was okay, they however did no do it, I was late that month and no one contacted me from the lending company the second month came along I paid it on the same date and again the following month was late, they finally contacted me after the third month and I double paid to catch up but now it is stuck on my credit report and they will not remove it even tho it’s their fault for the most part, it is causing me issues trying to purchase another house closer to where I work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio
State: TN

Complaint narrative:
Received a call from collections XXXX XXXX XXXX and man stated that he was an investor trying to track me and will find me no matter what it takes to sue me. I told him I called XXXX  to make the full payment and they didn’t allow it because it was in another state. He kept trying to threaten me that he will find me and get their dining table. This was back in XX/XX/XXXX. I disputed an account of collection name VanceHuffman back in XX/XX/XXXX and deleted on my credit. It comes back on my credit with another collection name “ Vance and Huffman” believe open XX/XX/XXXX and increased amount XX/XX/XXXX to make it seem i just got this. This account is from XX/XX/XXXX why are they charging it to XX/XX/XXXX? Please help and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 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: FL

Complaint narrative:
Investigation did not fix error

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 2019-08-18 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: ERC
State: MA

Complaint narrative:
This company claims that I have a balance of $XXXX with them, I have been disputing this debt because they are reporting it as in collection on my credit report, I asked this company to please provide me with a copy of the original contract which bears my signature and which it concerns the debt being collected. All that ENHANCED RECOVERY COMPANY provided me with is a bunch of copies of account bills from the years XX/XX/XXXX and one copy from the year XX/XX/XXXX. This is not enough to validate the debt that they are trying to collect, I don’t want a piece of paper showing an itemization neither. I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt (defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement) from a person located within Massachusetts. Like I said at the beginning of my complaint, ENHANCED RECOVERY COMPANY is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that ENHANCED RECOVERY COMPANY can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt cannot be validated please delete it from my credit file, as it is causing my credit worthiness big damage. Copies of account statements is not enough to proof that I opened this account, provide me with the original contract or delete the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation