vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
XX/XX/XXXX credit card was used without my knowledge or permission, amount in dispute was {$4700.00} ... ..contacted the ccc, informed them of misuse, the card numbers were comprised..the card company wrote the charges off and my credit score suffered badly ... .forward to XX/XX/XXXX, in one week I receive three ( 3 )  letters from companies wanting payment ... .The companies are as follows : XXXX XXXX, XXXX XXXX Phone # XXXX -- -XXXX XXXX XXXX , XXXX, SC. phone # XXXX ... -- -- and Resurgent Capital Services, XXXX, SC -- phone # XXXX -- -- - The CCC wrote the charges off, and I suffered bad credit scores and now being asked to pay a wrote, discharged {$4700.00} ..a year later ... I can't believe this is lawful in any way ... ..harassment of senior citizens ....!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On XXXX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX  on XX/XX/XXXX two times &  XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On TRANSUNION : 1-XXXX/XXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX on XX/XX/XXXX 6-XXXX XXXX XXXX on XX/XX/XXXX 7XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

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 2018-10-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On XXXX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX  on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX  on XX/XX/XXXX 5-XXXX XXXX XXXX   on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX   on XX/XX/XXXX 8-XXXX XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX  on XX/XX/XXXX 10-XXXX XXXX XXXX XXXX on XX/XX/XXXX On EXPERIAN : 1-XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX on XX/XX/XXXX two times & XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX  on XX/XX/XXXX 9-XXXX XXXX/XXXX  on XX/XX/XXXX 10-XXXX/XXXX  on XX/XX/XXXX On XXXX : 1-XXXX/XXXX   XXXX XXXX  on XX/XX/XXXX 2-XXXX XXXX XXXX on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX/XXXX  on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX   XXXX/XXXX on XX/XX/XXXX 6-XXXX XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

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 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I voluntarily without any contact from the collection agency called XXXX XXXX to pay an charged off account. I was referred to PRA, Portfolio Recovery Associates, LLC located in XXXX, VA to make the payment. I spoke to representative over the phone for a few minutes, made a payment in full, and the woman indicated, if XXXX XXXX XXXX is reporting to a credit bureau they would update the records. At the time of the payment none of my credit reports ( XXXX XXXX XXXX XXXX ) were reflecting any adverse reporting from that company. Since the date of the payment I have had adverse reporting that lowered my credit score by approximately 100 points, affecting my interest rates as well as my ability to borrow etc. I have been in contact with the company in writing via email, fax, and USPS delivery confirmation mail on more than 6 occasions presenting them their own correspondence and requesting them to delete this information pursuant to their correspondence as they were reporting previously and the reporting did adverse against my credit. The customer service in the disputes department, the compliance department, and the office of the president all has failed to reply in a professional fashion and have continued to have adverse affect on my credit reports with XXXX. 

On the basis of the correspondence from their offices they are engaging in Fraud by Radio, Television or Wire, and or False Statements. Publishing information that impedes interest rates, financing, and other monetary matters via false statements. 
18 USC 1343 18 USC 1001 Request to have all reporting deleted post haste from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
The original creditor XXXX XXXX XXXX XXXX in XXXX, South Carolina cashed a check I wrote for {$300.00} for a pet deposit. However they sent me to collections saying I owe {$340.00}, not factoring in or including my previous payment. My account was handed over to NATIONAL CREDIT SYSTEMS where they inquired about payment of this {$340.00} in XX/XX/2017. Later in 2017 I sent them an official letter disputing the charges, saying they were not valid, and requesting proof of debt. I also sent them proof of my check cashed by XXXX XXXX XXXX. They did not/have not responded to me since. However the collection debt is still open and on my credit report, and negatively affecting my credit score. 

Since I have requested proof of debt, and since I have provided proof of payment, the creditor should comply with these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I HAVE BEEN DEALING WITH THIS SITUATION FOR THE LAST 5 YEARS. AS PER YOUR RECORDS, IT CLEARLY SHOWS THAT I'VE FILED SEVERAL COMPLAINTS IN THE PAST TO NO AVAIL. I ENTERED INTO A LOAN MODIFICATION IN XXXX WITH XXXX XXXX XXXX. I MADE SEVERAL PAYMENTS ON THE MODIFICATION, I WAS TOLD BY THE REPRESENTATIVE THAT MY REGULAR PAYMENT OF {$780.00} WILL BEGIN XX/XX/XXXX, DO NOT MAKE THE FIRST PAYMENT UNTIL I HAVE RECEIVED MY SIGNED EXECUTED MODIFICATION DOCUMENTS. SEVERAL MONTHS WENT BY, EACH TIME THAT I WOULD CONTACT XXXX I RECEIVED ONE EXCUSE AFTER THE OTHER AS TO WHY I HAVE NOT RECEIVED THE EXECUTED DOCUMENTS. NUMEROUS OF PHONE CALLS WERE MADE TO CHASE AND THEY LEAD ME TO BELIEVE THAT THEY WERE HAVING DIFFICULTY WITH THE DOCUMENTS BUT I WILL RECEIVE THEM SOON. XXXX OF XXXX, I WAS SERVED WITH FORECLOSURE PAPERS. I CALLED XXXX TO FIND OUT WHAT WAS GOING ON, AND A WEEK LATER, I RECEIVED THE EXECUTED MODIFICATION DOCUMENTS. BY THEN, XXXX REFUSED TO HONOR MY MODIFICATION BY TELLING ME THAT IT HAD ALREADY BEEN MODIFIED. NOT TRUE!! I SENT SEVERAL LETTERS TO XXXX XXXX XXXX EXECUTIVE OFFICES, HOWEVER, NO HELP. THEN IN LATE XXXX AFTER COMPLAINING TO CHASE MANY TIMES, MY LOAN WAS TRANSFERRED TO SELECT PORTFOLIO SERVICING. I'VE BEEN ON A ROLLER COASTER RIDE WITH THEM AS WELL. THEY CONTINUE TO TELL ME TO APPLY FOR A MODIFICATION, BUT THEN I AM DENIED BECAUSE OF THE ERRONEOUS INFORMATION THAT XXXX CONTINUES TO REPORT. 

I NEED A RESOLUTION, NOW!!! MY HOME IS SCHEDULED FOR SALE AS OF XX/XX/XXXX. I WAS RECENTLY DENIED FOR A MODIFICATION AGAIN WITH SELECT PORTFOLIO SERVICING. THEY DID NOT COMPUTE MY FULL-TIME AND PART-TIME INCOME. WHEN I COMPLETED THE RMA, MY PART-TIME INCOME WAS MISSING. WHEN I SPOKE WITH THE REPRESENTATIVE IN XXXX, SHE VERIFIED MY INFORMATION BY PHONE, SHE STATED THAT SHE WOULD ADD NOTATIONS TO REFLECT THE INFORMATION REGARDING MY PART-TIME JOB, FULL-TIME JOB AND MY HOA DUES. 

ALL OF THIS INFORMATION WAS EMAILED TO THEM. I HAVE SINCE APPEALED THEIR DECISION. THEY ARE TRYING TO TELL ME THAT MY INCOME ISN'T SUFFICIENT FOR THE PROPOSED PAYMENT. WHAT IS THE PROPOSED PAYMENT, THAT WASN'T CONVEYED TO ME. NOT TO MENTION THE FACT THAT SEVERAL ARE SEVERAL OPEN LAWSUITS AGAINST XXXX FOR THE VERY SAME THING OF NOT PERMANENTLY MODIFYING MORTGAGES WHEN THEY HAVE AGREED TO DO SO. 

I AM ABOUT TO LOSE MY HOME TO NO FAULT OF MINE. I REACHED OUT TO BOTH LENDERS TO RECEIVE THE HELP THAT I AM ELIGIBLE FOR BUT CAN NOT RECEIVE THE ASSISTANCE. I NEED SOME ONE TO INTERVENE IN THIS MATTER BECAUSE IT IS NOT FAIR THAT I AM LOSING MY HOME BECAUSE THESE LENDERS DON'T WANT TO HELP. IT SIMPLY ISN'T FAIR. I NEED HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Company did not notify me of purchases made on credit card. I recently noticed this account as charged off when checking my credit report. If notiifed I would have disputed the charges. The original charges were in 2014.

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 2018-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America mortgage payment was made on XX/XX/2018, but they reported it as being 30 days late. The payment for XX/XX/2018 was made after the XX/XX/2018, which is reported correctly on the credit report. I contacted bank of America on XX/XX/2018 because the account was showing as closed on XXXX XXXX, and I was told that they closed and transferred the account to XXXX XXXX XXXXXXXX and this is the company I should deal with going forward. They would not speak to me in regards to the late payment reported for XX/XX/2018.

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 2018-10-14 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent me a letter certified mail I received XX/XX/2018 for the amount of {$3200.00} plus costs. they wrote " FAILURE TO COMPLY WITH THIS INFORMATION SUBPENA MAY RESULT IN YOUR ARREST AND INCARCERATION ''. I never received a court order or anything directly from the court requiring me to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I found this installment account on my credit report. I do not have an installment account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: IL

Complaint narrative:
XX/XX/XXXX a letter was sent requesting amount stated that was owed as well as assurance that payment would be accepted in exchange for the original instrument of indebtness in its original form. 

XX/XX/XXXX received letter from American Education Services/ XXXX also dated for same date with a " payoff amount '', after receiving letter then sent a letter readdressing request for acceptance of full payment in exchange for original instrument of indebtness in its original form XX/XX/XXXX letter was dated by American Education Services/ XXXX with loan amounts, dispursement dates, statuses, interest amounts, delinquency days, also ignoring request for original instrument of indebtness in its original form XX/XX/XXXX sent letter to XXXX stating if they were unable to comply matters are legally and financially settled XX/XX/XXXX American Education Services/ XXXX sent a MPN for Bank of America/ XXXX with the date of XX/XX/XXXX and a typed name on the signature line, on the front of one page with the back dated for XX/XX/XXXX for XXXX XXXX, the following pages have no dates, signatures, account numbers or page numbers XX/XX/XXXX a final letter was sent to American Education Services/ XXXX asking for an original letter of indebtness between the parties listed on the credit report. 

XX/XX/XXXX letter was dated from American Education Services/XXXX with loan disbursement dates, amounts, interest rates, repayment terms, and installment amounts also ignoring the request made in the four letters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : XXXX : 1. XXXX XXXX XXXX XXXX Account Number:XXXX 2XXXX Account Number : XXXX 3.XXXX XXXX Account Number:XXXX Transunion : 1.XXXXXXXX XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and XXXX so please prove to me how Transunion can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EVERYTIME XXXX XXXX CUSTOMER CALL FOR NEW SERVICE, EQUIFAX ALLOWS XXXX UNLIMIT HARD PULLS PER XXXX. ALSO, XXXX SELLS ALL ITS COLLECTION ACCOUNT TO UP TO 10 COLLECTION AGECIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc
State: WA

Complaint narrative:
Financial Assistance Inc. Account # XXXX. This company is Reporting on my credit report that I owe them {$10.00}, XXXX on XX/XX/XXXX. I do not owe this amount they are speaking of. They are connected with another company called XXXX XXXX XXXX Account # XXXX. They are reporting that I owe them {$7100.00} on XX/XX/XXXX. 

These two companies need to be thoroughly reinvestigated from top to bottom. They have ruined my credit dramatically and are trying to scam there way in through making me pay these false balances. Please help me remove these negative items from my credit report and from my life. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: PR

Complaint narrative:
A charge off account appears in my credit. Never heard of the company before - XXXX XXXX. Contacted them, inquiring about this charge. A camera was purchase with my credit and delivered to an address is not mine. I told them this was fraud ; it wasnt me. They told me will take care of this. In XX/XX/XXXX still in my credit and try to dispute this through EXPERIAN and Now it says will remain in my credit until XXXX. It is obvious some one else purchased this and delivered it to their address.

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 2018-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted wells Fargo via in reference to a charge in the amount of XXXX made on XX/XX/2018 at XXXX XXXX. I advised them that I was at the store on XX/XX/XXXX and made a charge in the amount of XXXX. I also contacted the store and they advised me it's a mistake. Wells Fargo cancelled my card and issued me a new card. However they did not issue me a temporary credit while attempting to retrieve a sales receipt. Yesterday I received a call stating that my case is closed since I had possession of my credit card. I advised them I do have posession however I was not at the store on XX/XX/XXXX. I contacted the store manager XXXX XXXX and he advised that it may be employee fraud. He reffered my cases to his loss prevention dept. I am at a loss now. Wells Fargo is refusing to help 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 2018-10-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Experian on XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Experian several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Experian. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Experian has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Experian is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation