vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-25 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery has been listed as an installment loan on my credit report. PRA is not an installment loan company and I have never held an installment loan with PRA. 


I have contacted PRA several times about this issue and they claim that the consumer reporting agency is responsible for this error. I have reached out to XXXX  several times and they responded that the company has no control over the information published by a reporting company and that it is PRA 's responsibility to report correct information.

This is a known issue and tactic with PRA. Several complaints have been filed against PRA for this same issue.

I have mailed 3 certified mail letters to PRA about this issue and have never received a response or correction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Easy Finance, LLC
State: TX

Complaint narrative:
These were suppose to be no credit check and was not suppose to effect my creditand the pre qualification was not suppose to effect my credit score either. Company ended up just hang up on my 3 times when I called. 



XXXX  XXXX, DE XXXX ( XXXX ) XXXX Institution Information Easyfinance XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: PA

Complaint narrative:
I have reason to believe that AES/PHEAA is not allocating payments fairly with respect to current legislation for Student Loan lender laws either Federally or by State. AES/PHEAA is growing to be an increasing problem for many borrowers. While they maintain they are just following protocol, they are engaging in illegal practices by only applying small figures of a total Payment to loans in their favor. Should they disagree with this analysis, I am challenging AES/PHEAA to send a copy of all financial transactions in the last 6 months for where any partial part of a total payment was applied. For historical accuracy, AES/PHEAA should provide a detailed breakdown of what exact amounts were applied to what Loan account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
XX/XX/2018 sent validation letters to XXXX for {$740.00} and {$450.00}. Also XXXX XXXX XXXX for {$730.00} so far no response.

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 2018-02-25 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: CO

Complaint narrative:
There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.

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 2018-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I asked to close this account on XX/XX/17 while keeping other Thankyou Points cards open. I just logged in and found that XXXX points were forfeited due to this closure since points expire 60 days after closure. This was never disclosed to me at any point during the call and I certainly wouldn't have closed the account if this was going to happen. This is not a policy with any other card issuer if you keep at least one account that earns the same type of points open. I expect that these be reinstated or I will transfer all my business to XXXX XXXX, who doesn't play games like this with their XXXX XXXX. The card was an XXXX XXXX XXXX XXXX XXXX card ending in 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 non-monetary relief
Consumer complaint received 2018-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I would like to file a dispute for the following on the grounds of financial hardship. I was unemployed for an extended period of time while living abroad for work. 

I have since returned to New York and not missed payments and am working to rebuild my finances and return to good standing with my creditors and the credit institutions. 

If possible to forgive these I would be so very grateful. 

XX/XX/XXXX Late fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-25 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: NY

Complaint narrative:
I have hard inquires from XXXX and XXXX XXXX from XX/XX/2017. 
I have XXXX XXXX services as my cable company for the past two years. 
Don't understand why these companies would pull my credit without authorization.

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 2018-02-25 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/2018, {$850.00}, I dispute it did not get any information from them to verify the account with my driver 's license and my copy of my social security have not received anything for the last 30 days and also sent another letter no response also the letters was certified returns.. also this is a third party company that I have no accounts with this company is a collection company that never heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CO

Complaint narrative:
There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CO

Complaint narrative:
There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.

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 2018-02-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
OnXX/XX/XXXX, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from XXXX  that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
We joined & RV Park in XX/XX/XXXX& cancelled the membership back in XX/XX/XXXX. The contract reads if you do not pay dues your membership is cancelled. This was a very unsafe park for seniors. We spent a few days there back in XX/XX/XXXX & the manger got into fist fights in front of our RV as well as all kinds of cars into this park all hours of the day & nite. Not a safe place for seniors. There has been no dues paid to this park since XX/XX/XXXX. No contact what so ever with them. A few weeks a go they found this shady collection agency & they took the account & are now have put this our credit reports for {$330.00}. The statue of limitations ran out on this 4 years ago. This alleged debt is was opened in XX/XX/XXXX. The statue of limitation in Texas is 4 years. This collection agency is totally illegal. Its been at least 8 years since there was any contact made with this RV park. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. 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 2018-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been making regular payments of ~ $ 180/month on 2 loans which were consolidated after I stopped going to college in XX/XX/XXXXand my forbearance ended in XX/XX/XXXX. The total loan amount for the 2 loans was XXXX in XX/XX/XXXXat 4.875 %. I have literally been paying for these loans for 16 years and they have NOT reduced in amount due. The loan was sold from XXXX XXXX to another company and from that company to yet another. I have since lost track of how many times this loan has been sold but it is now owned by Navient who just recently sent me new paperwork regarding a forbearance which I did not have on my loan. They have now " updated my payment plan '' which puts me right back at owing the original amount to pay off for another 16 years. This loan should have been paid off years ago. I know I am being scammed and my payments are literally being stolen at this point. I have no idea how to stop this from happening and I do not want to have to pay yet another 16 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
On XX/XX/ I bought a car from car hop in XXXX, Colorado. I owned the car for 4 months. 3 of which it was in the shop for major repairs. One of which was " fixed '' before I bought the car. I was told by service company it was never touched. In which case it was a timing chain. The car had car hop warranty on it. I wasn't even close on running out of warranty. After taking my car to the shop several times I became very frustrated. I was paid ahead on payments by a month. The company told me they'd stop my auto payments for a month. As if they were helping me out. But beings I was paid ahead it wasn't a help. They car wouldn't start. They gave me an offer to take a portion of my money back or choose a different car. I had already bought a different car two weeks before this. I had to as I could risk losing my job. XX/XX/. I missed work over this car as I had no way to get there and is a 60 mile round trip. I decided to take my money back. I had XXXX late payments. Now it's reported as a closed/charged off account. Dropping my credit score over 100 points. I called car hop and they said they had to report it that way to get it off their books. But the next month it would reflect as a non derogatory mark. That was at end of XXXX. It is still being reported as a bad mark. Besides being lied to on how they have to report it. You have to report it bad before you can report it Good? This company is fraudulent. This is not a chargeoff because I didn't pay them. They settled with me knowing I had a warranty claim on them. Then they knowingly reported wrong information and damaged my credit over it. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from Equifax that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: Sunshine State Credit
State: NJ

Complaint narrative:
Sunshine State Credit reported me 30 days late when I was not. They told me to dispute with you and then they will correct it on their end when they get complaint from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : XXXX not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

CAPITAL ONE XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25 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: College Foundation, Inc.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 2018-02-25 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: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/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 2018-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX I had a house fire affecting my garage area and an outside storage building of my home. I called my insurance company on this date, a Friday afternoon, to report the fire. On Monday XX/XX/XXXX I was contacted by the insurance adjuster, XXXX XXXX, hired by my insurance company, XXXX XXXX. On XX/XX/XXXX XXXX XXXX came to my home to inspect the damages for the claim. On XX/XX/XXXX I received the letter stating the damages for my house fire along with a check issued to myself and Chase in the amount of {$18000.00}. I then contacted Chase to learn how to proceed with cashing the check and the procedure for repairing my home. I was instructed to visit their website, XXXX XXXX XXXX to start the process. I did so. I endorsed the check and mailed it to Chase for processing. I then contacted the contractor and submitted the attached documents. Chase would not accept the letter from XXXX XXXX stating the damages from the fire. I then contacted XXXX XXXX to explain that Chase would not accept the letter he submitted. XXXX XXXX then contacted XXXX XXXX   to obtain a corrected letter, which is also being submitted. XXXX XXXX who is a seasoned insurance adjuster of 45 years stated he had never worked with a company that was so difficult in their claims process. 
I received a letter from Chase dated XX/XX/XXXX stating that my loan would be transferring to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. This is only a 14 day notice. I contacted Chase for questions and to find out if any funds were going to be issued prior to the transfer. I was instructed that funds would not be available prior to the transfer and I would need to start the claims process over with the new company. I was VERY upset by this and was hung up on by the Chase representative I spoke to. I acted irrationally and yelled quite a bit but I was also very upset. The temperatures during these past two months have been very cold and the damages to my home created by the firefighters as they extinguished the fire left a hole in my ceiling. The hole is inside the home approximately 5 foot by 6 foot. We had covered with plastic but it still brings in A LOT of cold air. I was yelling and was very upset, but with good reason. Everyone in my home has suffered from the cold weather. 
My utility bills have increased more than expected during the winter months and my home still smells of smoke. We have started on the clean up and demolition and are at a point where we can not proceed without the funds allotted to repair the home. We have already paid for the dumpster and labor costs for demolition. 
I dont think it is right for Chase to change my loan provider in the middle of a claim. Now we have to start this process over again which means it will take even longer to repair the damage to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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