vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
ABR Recovery Services LLC continues to NOT address the second account they are reporting with XXXX. Attached is a copy of my credit report with the 2nd account information that is incorrect that ABR refuses to address. ABR has never even written me on this account. As you can see on the attached report it shows the account was opened on XX/XX/XXXX which is NOT correct. They are showing a Date of 1st delinquency of XX/XX/XXXX which is NOT correct as well. ABR recovery services keeps responding with the first account dates and have not addressed the fact they are reporting two delinquency accounts to XXXX, not just the first one. This second account was opened falsely and illegally as debt that I owe from XX/XX/XXXX. I have not owned an XXXX account in XX/XX/XXXX. Please remove this second account and stop reporting it to XXXX with incorrect and false information. My next step is to get a consumer debt lawyer and sue ABR Recovery Services LLC over false reporting, Re-aging past accounts and punitive damages. I will also contact the Attorney General in California over this account that is not being responded to. I will complain every single day until ABR Recovery services actually reads my documents and acknowledges the mistakes made in their reporting. If ABR recovery has been given false information from previous collection agencies, they should be fixed properly with the proof I have from HSBC. I'm asking ABR Recovery Services LLC to seize reporting re-aged accounts on my credit profile. 
I AM ASKING YOU TO READ MY CREDIT DOCUMENT SHOWING A 2nd ACCOUNT WITH A FALSE ACCOUNT NUMBER AND FALSE DATES, REPORTING THE SAME {$1200.00} as the FIRST ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
To whom it may concern : This is a follow-up to complaint previously filed through the CFPB on XX/XX/XXXX. 

The original complaint was in regards to an incorrect pay-off amount, and the resulting delay in the release of my vehicle title. In the original CFPB complaint response, the parent company of " XXXX XXXX XXXX '', " Westlake Financial Services '' replied. They replied on XX/XX/XXXX admitting fault. Furthermore, the response stated that my account would be waived of fees and that my account would be paid in full. Finally, it was stated my title would be sent to me by mail. 

Unfortunately, none of this has occurred. As of today, I have not received the promised title. Rather, I have continued to receive harassing collection phone calls from XXXX XXXX XXXX, despite my requests for agents to not contact me by phone and to add me to a Do-Not-Call registry. This is a blatant TCPA violation, which by law is a fine-able offense. This means that my account has not been closed, as they have stated in the original response, and that I have been lied to by the company. I have sent in the CFPB response to the company by fax and email on numerous occasions but this is still not resolved. 

I am now afraid that even though I have rightfully paid off my account that they may wrongfully repossess my vehicle. I am unable to trade-in my vehicle without the title. I am in constant stress while this continues to be unnecessarily dragged out over a mistake that was easily rectified by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I have requested that my report be updated and delete what can be deleted. 4th request.

They are terrible company. Early warning they fix nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a call from an unknown company claiming to represent Citibank in order to collect a student loan debt from XX/XX/XXXX to XX/XX/XXXX. They stated the wrong school so I thought this was odd. I was told I can settle the debt with them and then stay out of court with Citibank or not pay and have to go to court and then pay double. For monthly payment they wanted XXXX a month down and XXXX every month with a higher debt amount. This whole thing is odd because Citibank was not on my credit reports. I dont trust this at all and think its a way to get money out of me.

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 2018-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: DC

Complaint narrative:
My loans have transferred from XXXX XXXX to American Education Services. My complaint is that this servicer DOES NOT provide the information necessary in order for me to manage my loans. The website DOES NOT provide information on my scheduled payment plans, so I have no idea when my payments will be increased. The website DOES NOT provide information on how many months I am paid ahead. The servicer DOES NOT allow for overpayments to be applied to multiple loans in one account. These are ALL basic items that XXXX XXXX allowed consumers to do. This information is needed for consumers to plan and manager their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: ID Analytics, Inc.
State: IL

Complaint narrative:
XXXX , XXXX consumer reporting extemely low for no good reason. 

I ALWAYS pay my bills on time, have extensive credit, low utilization, and have never been denied credit for anything!!! 

I recently applied for a line of credit at XXXX 's store online, and after being initially denied, was sent a letter ( explaining my denial ). The company that provided the information was called XXXX , XXXX. I'm sorry but I have never even heard of this agency. They gave me a credit score of XXXX. This is unbelievable to me as my scores have been in the 7-800 range for many years ( with all three major agencies ). 
Needless to say i nearly had a heart attack when I saw my score from XXXX was XXXX. Initially I called XXXX 's to ask which credit agency gave me the score, and was informed it was XXXX. I tried to reach out to XXXX, but was transferred to generic voicemail every time. It looks like they don't even have a way to obtain my report online, and want me to fax, or mail my full information including my social security number to them just to get a copy of my " so called '' report. TERRIBLE! 

The 4 reasons listed on the XXXX 's denial letter were all based on XXXX report, and appear in this order : 1. Not enough debt experience. ( I am XXXX years old and have had debt experience since my teens, own a business and am a very responsible person. 
( So reason # 1 is BOGUS ) 2. Number of inquiries in last 4 months. ( Again, I run a business and my name is used to back our credit lines, as well as our personal lines of credit. So obviously It's being used all the time and does not effect my other credit scores, as it rightfully shouldn't! ( So reason # 2 is BOGUS ) 3. Limited Credit History ( SEE # 1 -- Reason # 3 is BOGUS, and isn't this basically the same as # 1? ) 4. Previous inquiries adversely impacted score. ( SEE # 2 -- Reason # 4 is BOGUS,  and isn't this basically same thing as # 2? ) This to me is unacceptable, and seems to be a dereliction of duty on their part! Do they look at total credit lines, utilization, what you do for a living, what the credit inquiries even are? I think not! Something should be done to get these people in check! They need to be responsible, and not able to make people look like fools. They also need to make information accessible without the need for hard copies of critical information which can be stolen and really used to destroy someone's credit. 

Shame on you XXXX! 

Please do something to make these people accountable!

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 2018-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
My wife and I have owned and resided in our home in XXXX since XX/XX/XXXX. In XX/XX/XXXX, we suffered damage to our home as a result of Hurricane Harvey. This damage included approximately a foot of water inside our home, which ultimately forced to remove sheetrock and flooring from our first floor. In addition, all of the lower cabinetry and the island in our kitchen had to be torn out as a result of floodwater damage. 

In late XX/XX/XXXX, we notified SWBC of the flood damage to our property. It was at this time that a XXXX representative offered us a mortgage forbearance lasting XXXX months. Since we had previously paid our mortgage for XXXX and XX/XX/XXXX, the three-month forbearance period covered the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX representative explicitly told us that we would pay for these XXXX months at the end of the mortgage period, and not all together at the end of the forbearance period. 

In XX/XX/XXXX, my wife called XXXX to inquire about our forbearance status. At the time, she informed XXXX that she had been laid off that month. She was then told by XXXX that we could extend the forbearance until XX/XX/XXXX. With her job loss and our need to make home repairs, we took the opportunity that was presented. During her conversations with XXXX representatives, she asked if the terms of the forbearance as they were presented to us in XXXX had changed, and she was told in no uncertain terms that they had not. 

Unfortunately, the information we were given turned out to be erroneous. As a result, we are now in danger of foreclosure despite our continuing attempts to resolve our status. Prior to Harvey, we had been homeowners in good standing who paid our mortgage on time. We think it is relevant to point out that one of the homeowners, who has been gainfully employed prior to and throughout the period in question, began a new job in XX/XX/XXXX in which he grosses an additional {$7000.00} a year. Moreover, the other homeowner has received unemployment for the past several months. We believe this information demonstrates both our ability and willingness to be consistent mortgage payers. 

Currently, we are in arrears as a direct result of the information several XXXX representatives provided us regarding our forbearance situation. In addition, we've been given several contradictory versions of our status each time we tried to contact XXXX to resolve the issue. As you can imagine, this has resulted in a greatly frustrating and stressful experience for us, one that could've been avoided if XXXX demonstrated any degree of basic competence and organization.

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 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have sent a letter to validate this debt once in XX/XX/XXXX and again in XX/XX/XXXX. I asked Portofolio Recovery Associates to send an agreement with your client that authorizes you to collect on this alleged debt. An agreement that bears signature of the alleged debtor wherein he/she promises to pay the creditor, and a complete payment history on this account to prove that the debt amount you wish to collect is correct. Portofolio Recovery Associates,  did not provide any of the information I asked for to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: CA

Complaint narrative:
First of all, this company has never contacted me regarding this debt that they purchased. Theyve been reporting on my XXXX report for 10 months now. Had they contacted me, I would have explained that Im on XXXX and they cant collect my benefits. I also wonder how they can force me to pay an amount they never paid themselves. Unfortunately, they will not be able to collect on this debt. I also don't understand why payday loan companies get away with charging exorbitant interest rates to create hardships for people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a  correspondence to XXXX ( XXXX ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/XXXX per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/XXXX I have not received any response from XXXX, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e XXXX and credit bureau ( s ).

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 2018-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My home is being foreclosed on by, and tried to get help with a loan modification, but Well Fargo will not work with me. I also mailed a QWR and Debt Validation letter, and they have not responded to either

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 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i disputed this account several times even sent them documentation stating that the debt was not mine, someone forge my signature on a document stating that I owe this money, I never sign any documents and the signature is lapsing over another signature. When I talk to the credit bureau they where really rude about it and will not dispute the item for me anymore. The amount showing I owe is for XXXX and XXXX for XXXX I am not pleased how my situation has been handle at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was contact on XX/XX/XXXX by phone and a voice mail was left. I was told to call XXXX about a complaint that was filed against me. I was contacted by a XXXX XXXX XXXX representing nationwide court services in Washington. He said they were scheduled to deliver court documents to me and also to my mother in law at her address. The number that was given connected me to a XXXX XXXX XXXX XXXX in which I spoke to a XXXX XXXX XXXX who said that if this debt was not settled now that I would be taken to court and have my wages garnished. The debt in question is from XX/XX/XXXX which violates the statute of limitations in Ohio to threaten me with legal action and wage garnishment. I requested numerous times for this gentleman to provide me with a letter of validation in which he said he was not obligated to do so. He was demanding we set up payment arrangement with a check or card. I questioned why a certified check would not be accepted. He would not give me reason but only stated it was not an acceptable method. At no time did he recite the statement that I have heard many debt collectors recite that this was an attempt to collect a debt and any information obtained would be for that purpose. Neither did he advise me that the call was being recorded. I also questioned why the firm he represented was not found when I searched it on the internet. I was told it was because it was a private firm. I also requested to see proof that his firm obtained my debt legally in which I was also refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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:
I have filed a dispute two times with Equifax about an error on my credit report, and two times they have claimed that the invalid debt is still active and on my account. I called XXXX XXXX to see why it was still on Equifax 's report, and they told me that the debt was invalid and had been cancelled and that all reporting agencies should reflect that in the report. Equifax continues to not do so, and I have attached an email from a customer care person from XXXX XXXX that states in plain writing that the debt is invalid and should be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC
State: OR

Complaint narrative:
On XX/XX/18 We received documents from Box Home Loans cause we were working on an offer to refinance. When he sent the documents he disclosed the amount we were getting, interest, APR and cash in hand. XXXX XXXX did not disclose that we would have to pay XXXX if we decided to not go through with the proposed offer. I had my current mortgage loan carrier review it and she found there is a lock cancellation fee in the documents. She suggested I contact you guys because she has never heard of any company charging to not take their services and feels it is wrong. We decided to stay with XXXX because they offered us a better refinance deal. 
My current mortgage loan is through XXXX and the main person we go through is XXXX XXXX, XXXX. 
The other loan company we were talking to is XXXX XXXX phone number is XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
This company penn credit corporation about a utilty bill when I never even lived at this address or know anyone that lived there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Reliant Financial Corporation
State: OH

Complaint narrative:
I had financed a used Vehicle for {$3300.00} from a local car lot that financed me through Reliant Financial. 4-5 months later I was injured at work and medically XXXX from my job for being permanently injured in XX/XX/XXXX.I called XXXX XXXX and explained I was permanently XXXX and dealing with my Health issues and wanted to try and work something out because I had no income coming in due to my health to pay the rest of the amount owed which was roughly {$2300.00}. I spoke with a gentlemen that handled my account and he explained to me that due to my hardship if I voluntarily turned my car in that it would not go on my credit and would not negatively affect me. I voluntarily took them the car at the agreed location and that was it. Years later I look at my XXXX XXXX Credit report and it states my car was reposed, the account was closed and charged off with the highest balance being {$3300.00} but owed like {$5000.00}. I disputed this account through XXXX XXXX I believe 5 times and every time my balance went up each time I disputed Reliant Financial which is now at {$6200.00}. I called XXXX XXXX about the balance kept going up on a closed/charged off account every time I disputed it. The guy I spoke with at XXXX XXXX was very rude and said I was wasting his time and that Reliant Financial or any creditor could put whatever amount they wanted and that I couldn't do anything about it but keep disputing it even though I explained to him to look back at this account and he could see all the inconsistencies but wouldn't. I called Reliant every time I disputed this account and they would just hang up on me or scream or use unnecessary language. I even asked them to take me to Court so they would have to provide all the documents as to how they just keep magically changing my balance on a closed account no response. I looked at my XXXX Credit Report which states I paid off 100 % of the original amount with a {$0.00} Highest balance but then the current Balance from XXXX XXXX from my last Dispute for {$6200.00}. So very unprofessional and ruining my credit being a Permanently XXXX individual because as the the XXXX XXXX Rep said " because they can ''.

Company response to consumer: Closed with explanation