vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
My credit has been deducted 85 points for and fraud saying I owe XXXX dollars and I have never opened an account with credence resource management ever and it's a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I was a customer of XXXX XXXX. We had agreed on a price for one year before the end of the year. I did not say please cancel my account with you until the day indicated they told me there is nothing to do because your phone number is in a transfer position to another company there is closed the account I thanked him and finished the conversation Then they started to send a bill for which I had not used anything because until today I had paid 12 months and there are still up to this moment that I am in the credit report damaging my reputation

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 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
XX/XX/XXXX at XXXX got a collector bill on a medical Bill 's I had not seen. Called and left a message with my phone number to call me back. I had not heard from them regarding this bill. It's the XX/XX/XXXX I still not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: Clarity Services
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a faxed request to Clarity Services Inc to place a security freeze on my file. On XX/XX/XXXX, I received a response back stating that they didn't have my social security card to verify my identity. When I submitted my request, I submitted a copy of my bank statement, drivers license, social security card, and my bank statement with my address that matched my Drivers License. I need for them to place the security freeze on my consumer file asap as I provided the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: GA

Complaint narrative:
This is my third or fourth time requesting debt validation from General Revenue Services. Recently on XX/XX/19 they provided me with a generic bill ledger that does not clarify the detail summary for the collection amount of {$540.00}. I have requested and General Revenue Services has failed to deliver the proper documents need to prove validity for {$540.00} is owed to them or XXXX XXXX University from me. Please provide specific details or billing invoices on what I am being billed for in the amount {$990.00} + {$150.00} = {$450.00}. After that please provide a billing summary for the {$540.00} that you are actually collecting on an have reported to my credit report. 

There are nothing but numbers on the ledger and a general enrollment notice but NO DETAILS on these charges. I am requesting that this item be removed from your collection office until these further details can be provided. It has been beyond 30 days required by law for General Revenue Services to provide debt verification and validation of the items I have requested. I have already submitted an Estoppel Letter this is my second notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is deliberately stalling and refusing to address the disputes I have sent by certified mail on XX/XX/2019. I have received multiple notices stating that I need to verify my address and they have provided an address that doesnt match my profile or what I included in the dispute. I have sent a copy of my social security card and drivers license which shows the correct address on there and they are still refusing to look into my disputes. The correct address was also included on the letter and Equifax provided me an address that wasn't even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is a creditor company that says I owe three different quantities, {$1400.00}, {$1300.00}, and {$540.00}. I have previously contacted them stating that the amounts they are trying to collect are not correct and have even tried to settle the accounts by making agreeing to make small payments. They agreed to settle my accounts and lowering the amount, however, the amount did not go down after making two payments. Now I've been not only harassed by an outrageous amount of calls, but my family and friends have also received calls from this creditor. Now it has escalated to them threatening to sue and garnish my wages and have also shared my credit information with other fraudulent companies threatening to sue in their name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 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: Convergent Resources, Inc.
State: CO

Complaint narrative:
2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received  anything.XXXX XXXX, CONVERGENT OUTSOURCING, XXXX and XXXX XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XX/XX/XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.

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 2019-08-24 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:
I dispute the items on my credit report on XX/XX/2019 they never fixed it they claim its verified but nothing changed i know it's wrong so i send a method of verification letter on XX/XX/2019 and they send the same message. I can't upload the proof

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 2019-08-24 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: TX

Complaint narrative:
A 30 day late was reported inaccurately for XX/XX/2019 on a 3 month installment loan, that was set up on auto-pay from XXXX - XXXX. 

Another 3 month installment loan also set up on auto-pay for same dates is reporting no 30 day late in XX/XX/2019. 

Both accounts are paid off with a XXXX loan balance. Reporting should reflect the same status of XXXX, XXXX Off XXXX with no 30 day late on both accounts setup on auto-pay. 

Credit report reflects activity for XXXX, XXXX, XXXX and XX/XX/2019 ( 4 months ) for what is supposed to be a 3 month term loan. 

auto-pay appears to have failed to pull final payment amount within allotted time with no fault to our own.

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 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
I had a loan refinance with American Credit Acceptance on XX/XX/2019 through another firm and to this day their open auto loan still shows on my account I have contacted them several times in the past month and told me the notice was sent it to the credit agencies about the payoff and when I instructed them to send me the payoff notice they have yet to do so. They claimed it would be mailed ot me last week and I called them 2 weeks ago for it and it still has not arrived. I was told the payoff notice would go to a lender that is trying ot help me and they have yet to receive it. I am frustrated because it has kept me from doing anything with my trade in and its been hurting my credit score severely. They have basically ignored me and have been lying to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX  cancelled my debt with them on XX/XX/2016 and reported to the IRS, so now the IRS is saying I didnt claim that as income. To my knowledge I didnt know it was cancelled because the debt was transferred according to this debt collection agency, SIMMS ASSOCIATE. They started making calls to my federal job and even to HR. I fell into their trap and made a settlement payment of {$8000.00} for them to settle my debt to a lower amount. After making that payment, I had to make a monthly payment for two years in the amount of {$370.00}. I am now finding out that I shouldnt have been making those payments because those payment could be going to IRS since I owe them because of the cancellation of the loan. Who do I contact about getting my money back from this SIMMS Associate people. I feel like Ive just been robbed. I have about 6 months to pay off but I am stopping those payments today! Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
They did not tell me about a rate increase from ( approximately ) 19 % to over 25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I inherited a house left to me by my mother. At the time that I took over responsibility for the house, it was already in foreclosure proceedings due to arrears in mortgage payments to Wells Fargo. I worked with Wells Fargo to come up with a mutually agreed upon settlement to get the house out of foreclosure and satisfy all arrears. A statement dated XX/XX/XXXX indicated the " minimum amount due to reinstate account as of this statement date '' was {$14000.00}, which included attorney costs. I paid {$15000.00} on XX/XX/XXXX. In a letter from Wells Fargo, dated XX/XX/XXXX, they " received the amount needed to reinstate [ the ] mortgage. '' A balance of {$1000.00} was indicated in the same letter as " unpaid other charges '' that were paid on our behalf and " may include any of the following :  attorney fees, real estate taxes, property insurance premiums, home preservation charges, or other charges associated with your property. '' These fees grew to {$4000.00} by XX/XX/XXXX. Never was I provided any description of the original charges or subsequent charges. 
The loan was then sold to XXXX XXXX XXXX, effective XX/XX/XXXX.  XXXX XXXX XXXX then began carrying that balance as a " Past Due '' balance. 

Wells Fargo and XXXX XXXX XXXX have been using deceptive, dishonest and unethical business practices for too long! I would have thought the class action lawsuits against both companies would have encouraged, if not forced, them to remediate their business practices. Guess not! Shame on them.

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 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I have tried repeatedly over several weeks to obtain a credit report from Experian, as well as some of the other services they offer. They send me e-mails indicating I have membership ID XXXX, yet when try to log into their system, I get incorrect user ID or password over and over. I have reset my user name and password 5 times and I still can not log in. What is most frustrating, is that I believe the log in issue could be easily resolved in 5 minutes or less if they had a real live person you could talk to. Instead of that, they have an automated voice system and no e-mail support. 

I was recently turned down for an account with XXXX because of adverse information on my Experian report, while at the same time XXXX and XXXX are reporting excellent credit with a FICO score of XXXX out of XXXX. 

How can I fix a problem on an Experian report if I can't even get to it? Experian needs to have real, live customer service representatives available 18 hours a day, 7 days a week. 

In addition to this complaint, I will also be filing one with the XXXX XXXX XXXX  and the North Dakota Consumer Fraud Department.

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 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I contacted Amex on XX/XX/19 to apply for the XXXX XXXX XXXX card. I understand I am not permitted to apply for this card if I had other XXXX cards in the past. I have never applied for any XXXX card in the past. I quickly learned that I was not eligible to receive the 75,000 bonus, despite advertisements as such. I called Amex 3 separate times. I had the call hung up on me 2 of the 3 times. Every representative had no  explanation for me as to why I was denied. I called again on XX/XX/19 and spoke to 5 different agents from different department. They were supervisors and agents and customer service. One representative told me that there are no violations posted on my account and that he does not understand why I would be denied the bonus offer. I was told my another representative that the bonus offer is expired. However, I have friends that recently applied for the same card and was accepted. I spent approximately 1 hour on the phone with Amex on XX/XX/19 to no avail. Each time, I was told they have no explanation why I was denied. I relayed that I believe this was false advertising and a potentially discriminatory practice. Not a single Amex employee had any kind of explanation. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Calls repeatedly pressured me to except a agreement to stop the harassing call that happened 5-6 a day said they wouldn't stop calling unless I agree to a payment that was higher than what I owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 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: Nelnet, Inc.
State: CA

Complaint narrative:
I mailed certified letter to Department of Nel net student loan center about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Avid Acceptance, LLC
State: FL

Complaint narrative:
Avid Acceptance LLC out of Utah extended credit to purchase a car they quoted a different interest rate final I treat 4 higher I couldn't return the car. Then I lost my job they refuse to do any type of workout with me. I paid now they are incorrectly reporting XXXX payments and refuse to correct their mistake. To top it all they keep charging me late fees even when I explain that I need the due date change etc.. They won't help they just want to keep charging fees and take the car back.. Please help they are stealing people 's money

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 2019-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX vilated te fCRA by adding a removed item back to Equifax and XXXX   B/c my Data breach Was caused by the FTC violation that Equifax destroy the american economy by hiring people that dont even know how to read a credit report Law saids that you must noitfy me b/c items are put back in 5-10 Business days. EQUIFAX and XXXX XXXX should really consider hiring people that know their job. Then this issue might not be an issue but you get what you pay for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 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: CA

Complaint narrative:
I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.

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 2019-08-24 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: CA

Complaint narrative:
I mailed certified letter to Department of XXXX XXXX  student loan center about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: CA

Complaint narrative:
I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.

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