vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am XXXX years old. Last XXXX, 2018, I purchased a XXXX XXXX and at the suggestion of my XXXX  I financed the purchase through XXXX. I made every payment of {$380.00} on time for 11 months. The last payment of {$380.00}, according to XXXX, was received seven days late. I recall that I received the invoice late that month and therefore my payment was mailed later than usual during that month. In addition, the specified due date was earlier than usual, which seems designed to deceive or fool people who have been paying according to the same schedule for the prior 11 months. Nevertheless, I did pay in full and the payment was not more than a week late. All payments were made to a XXXX XXXX in XXXX XXXX Texas that appears to belong to Comenity Bank. 

I received a subsequent statement indicating a late fee of {$780.00} for the few days delay, a penalty somewhat more than twice the size of the monthly payment and more than 15 % of the overall amount I paid during the 12 months. To the best of my recollection I never received any disclosure that there would be late charges and even if I did, I believe this is egregious and I am being taken advantage of due to my age. 

I attempted to resolve this with XXXX with no success and therefore am filing this complaint and seeking your assistance to resolve directly with the financial institution that is preying on elders. I am attaching a copy of the last statement I received showing the charge. There is fine print on the back regarding late fees, but it is not prominently disclosed, nor is the interest percentage mentioned. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I'm filing, still yet another complaint with you, in the hopes that Mr. Cooper will finally address/resolve the issue of Compliance on my mortgage. 

I've been trying to resolve this matter with them for over a year now. In XXXX of 2019 I submitted direct questions to Mr. Cooper, regarding the validity of our mortgage - whether or not it was within Federal compliance guideline law - and still have yet to receive answers to any of the concerns, other than them claiming that they have already addressed these issues. Had they done so, I wouldn't still be asking the questions. 



In XXXX, we reached out to the Illinois Department of Financial and Professional Regulations and, on a conference call with Mr. Cooper on XX/XX/XXXX, the Director of the Department of Anti-Predatory Lending stated that it was clear that the loan does NOT appear to be within compliance guidelines. 



On XX/XX/XXXX, I re-submitted the direct questions that were asked during that conference call - which were not answered - by Mr. Cooper and have yet to receive a response. PLEASE SEE ATTACHED DOCUMENT WITH SPECIFIC QUESTIONS. 



At this time, the pay off balance on my mortgage is roughly, 200 % loan-to-value and double the original loan amount. All we're asking for - all I've asked for, for the last year, is for Mr. Cooper to properly recapitalize arrearages from a previous modification and, if warranted, provide a principal reduction so that I can modify my loan one last time and be finished with this entire process. I'm getting zero cooperation from Mr. Cooper and in response to our XX/XX/XXXX request for answers, Mr. Cooper has assigned a new sale date to our file, instead of answering the questions. 



I've attached all supporting documentation, along with a copy of the specific questions that we are asking Mr. Cooper to answer. We are prepared to move to a legal option, if necessary, but would prefer to resolve this amicably. 



Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
I need the phone calls 3-5 times a day and letters to stop. I told XXXX XXXX, XXXX, XXXX, XXXX, XXXX, National Enterprise Systems, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  to stop, send a settlement or reply to letter within 30 days or else debt is canceled already.

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 2019-11-14 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-11-14 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Account number XXXX unverifiable Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* TODAYS DATE:XX/XX/XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-11-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Mortgage ; Loans XXXX, and XXXX We paid these loans IN FULL ON XX/XX/19. However, WF has REFUSED TO NOTIFY THE CREDIT REPORTING AGENCIES!! Instead of showing a balance of XXXX, the credit reports still show an incorrect balance of {$97000.00}. We have contacted Wells Fargo 's mortgage service line numerous times without success. This credit problem is PREVENTING US from pursuing other, essential financial transactions. PLEASE HELP!!!

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 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from  identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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: Robinson, Reagan and Young PLLC
State: TN

Complaint narrative:
Credit report My son received a letter dated XX/XX/XXXX from Robinson , Reagan & Young , PLLC. In the letter, it stated that my son had an outstanding bill of {$130.00} with an added fee due o {$42.00} for a total of {$170.00}. Upon receipt of the letter, I first tried to call the company and left a message for a person named XXXX. I then sent a letter dated XX/XX/XXXX requesting a copy of the original bill. 
I then received another letter, which did have a copy of the bill. I then called Robinson, Reagan & Young PLLC to confirm that this was a valid bill and I was willing to pay it. But I was informed that it was already on my son 's credit report. 
I had done everything required within a 30-day window. Now I'm reluctant to deal with this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: AL

Complaint narrative:
I have requested several time for Portfolio Recovery Associates, LLC to provide me with validation of debt for my signature in regards to accounts that they said was sold to them. XXXX XXXX {$470.00}, XXXX XXXX XXXX {$360.00} and XXXX XXXX {$510.00} I have contacted them several times to validate the debt with accuracy of the account. Account rep on XX/XX/XXXX, XXXX XXXX and XXXX XXXX told me that it does not matter of the debt to be verified and they have all the information they need. I have beeing trying to validate this debt since XX/XX/XXXX, on XX/XX/XXXX I request documents to validate and it is XXXX XXXX and I still do not have the required documents. XXXX told me she is aware it is pass 30 days for validation and said this conversation is not going anywhere and asked if there is anything else I wanted. That was very bad this to say. 

They are also sending letter to a person address that I know and I do not live there. I have asked them several times to please stop sending mail to the wrong address, the person says they feels violated. 

I asked them to please validate this bogus account or delete but was told they will continue to call and send out information without validation of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
Debt paid through office XX/XX/XXXX and submitted as paid to Focus Recovery on XX/XX/XXXX. Focus recovery proceeded to put on credit report on XX/XX/XXXX after DR office informed them it was already PIF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: KY

Complaint narrative:
I have received multiple phone calls from Key2Recovery, a debt collection agency. I received the following calls to my personal cell phone number : 2 calls on XX/XX/19 from phone number XXXX ; 3 calls on XX/XX/19 from phone number XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX, and one call today, XX/XX/19 from XXXX. 

I have also received multiple calls to my place of business on XX/XX/19, XX/XX/19, and XX/XX/19. 

I confirmed through my date of birth and last four digits of my social security number as well as that I had never been a student at XXXX University ( the origination of the debt ) to Key2Recovery that the debt they claim to be owed does not belong to me on XX/XX/19, XX/XX/19, and XX/XX/19 and to remove my phone number from their call list and yet I continue to receive harassing phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background
State: TX

Complaint narrative:
XX/XX/2019 Accurate Background check was issued my information for a background check by their client XXXX XXXX and XXXX XXXX it took them 30 day to complete the background check and yet again they submitted incorrect information about my background to their client which hindered me from several job offers, because in the state of Texas XXXX XXXX   is not supposed to come up on a background or be reported or shown to a employer because in the state of Texas XXXX XXXX in Texas is a special kind of XXXX  that gives you the opportunity to keep your XXXX  off your XXXX  record. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly my XXXX XXXX  was XXXX This is reporting inaccurate information that has deprived me of employment which has deprived me of momentary wages.

Company response to consumer: Closed with explanation