vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 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: ACS Education Services
State: IL

Complaint narrative:
I have made multiple complaints with  XXXX  for verifying my accounts with ACS/  XXXX   XXXX  . There ar e 3 accounts that are currently being reported past the seven year period of the original date o f delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /  XXXX   by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: CA

Complaint narrative:
I have contacted  Credit Protection Association r egarding an alleged bright house bill that is appearing on my credit report. When I spoke to the representative regarding the bill, they had an address I have never lived that and a different social security number than mine. They refuse to correct this error and continue to attempt to collect this debt, even after notifying them they have misidentified the  XXXX   XXXX  they are looking for.     Accounts are reporting as follows : CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX     XXXX  Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date o f 1 st De linquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00} CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date  of 1 st Del inquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00}

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 2017-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
We are processing a short sale wi th Fifth Third B ank. On  XXXX   XXXX ,   XXXX  , they issued a counter offer of {$190000.00}, and we initiated a value dispute. On  XXXX   XXXX , the value dispute was completed and the market value was reduced to {$170000.00}, which is the EXACT amount of our offer. I asked if we could proceed with this offer and received no response. I emailed our representative  XXXX   XXXX  again on  XXXX   XXXX  asking if we can proceed and received no response. On  XXXX   XXXX , I calle d 5th 3rd  and spoke to  XXXX  ID #  XXXX . She confirmed value of {$170000.00}, but showed nothing more recent than last week so reached out to the " specialist '' working on the loan/offer. He could n't reach him but gave me his direct contact info for  XXXX   XXXX  yet again. On  XXXX   XXXX , I emailed  XXXX   XXXX  asking if we can proceed with the offer and copied his supervisor  XXXX   XXXX . I FINALLY received a response from  XXXX  indicating the " investor '' has reduced some fees, but did NOT indicate who the investor is. I emailed him back requesting this information, but AGAIN no response. On  XXXX   XXXX , I emailed  XXXX  the requested documentation and informed him I did not have approval to reduce the fees, since we were not informed of the investor. I received the following response from  XXXX , " The review on the file is halted until the settlement statement has been adjusted to allow for investor review. '' When I asked him to clarify this statement. He responded, " Until the seller provides a settlement statement that meets with the investor guidelines and directives then I do not see what can be done at this point? '' I c alled 5th 3rd to s ee who the investor is. I spoke with  XXXX  and asked for  XXXX   XXXX  ' supervisor since it took him a month to return my phone calls or emails and they want me to cut our fees in half without giving me any information as to who the investor is. I was transferred to  XXXX   XXXX , she said the investor is  XXXX   XXXX , and she will have  XXXX   XXXX  call me back regarding the delayed responses from  XXXX . I subsequently received approval to reduce the fees and sent the revised settlement statemen t to 5th 3rd .  XXXX   XXXX  did not return my phone call and instead sent me an email indicating he would contact me on  XXXX   XXXX . He did not call me and when I emailed him to find out when we could speak he insisted he DID call me. And argued that my loan number was wrong and he could n't find the file. I asked him to call me so that I could provide the SSN instead and he said he would have to do this tomorrow. I called in, trying to get in contact with someone who can discuss this file with me and aft er 40 min utes on hold, I was informed no one is available and I will have to leave yet another voicemail. It is completely unacceptable to refuse to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting an account with "  XXXX   XXXX   XXXX  '' on my credit that does not belong to me.     Currently, the unpaid debt that is reporting totals up to {$10000.00} and the account number is "  XXXX . '' My report suggests it was opened sometime in  XXXX   XXXX .     The only account I have ever owned from  XXXX  was back from  XXXX  and it has already been paid off for years. The account number for that account was "  XXXX  ''.     I have called  XXXX  numerous times, at  XXXX  point even speaking to a supervisor and they continuously tell me that they are not reporting a charged off account to my credit. The only account in their database is the one I already paid off in  XXXX . They told me that the error in reporting is with Experian and they have to be the ones to fix this.     I am getting  XXXX  response from Experian but something completely different from  XXXX  themselves, which are the actual company Experian is claiming to get their information from. How can this be possible?     I feel stuck and do n't know how else to address this issue.     I am taking my complaint to the Consumer Financial Protection Bureau because Experian 's blatant disregard of the law in reporting someone else 's account on my credit is illegal and unacceptable.

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 2017-04-27 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: FL

Complaint narrative:
Dear CFPB For the las t three months , I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau continues to state that they have verified the debt. Let this be a formal complaint against Equifax. The following accounts are the items the credit bureau has refused to investigate correctly. Also, I would like to add that the other  XXXX  major credit bureau s (  XXXX  and  XXXX  ) are reporti ng accurate and correct information about this account.      1.    XXXX    XXXX  Credit Card. Available balance and Credit limit are reported incorrectly.   2.  XXXX   XXXX   XXXX   (    XXXX   XXXX   ) I re quested to Equifax and the creditor listed on the report, several times, for proof that this account belongs to me. As of today, neither party has provided me any contract or any documents that proof that I am the owner of this account. I also notice inconsistencies with their last payment date since it is noted as  XX/XX/2017    on my credit report. I do not recall having any account with this company (  XXXX   ) I a m attaching a copy of my credit report by Equifax as of  X/XX/17    and also I am attaching my credit card last  XXXX  statements.     I thank you in advance for your assistance on this matter.        XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a credit card with Khols/Capital One in  XXXX   XXXX . I noticed fraudulent charges on my card. Khols said they were working on it. They closed the card. Then they charged it off in  XXXX . They reported it as a charge off. They never investigated the fraudulent charges. Now here we are in  XXXX  and all of a sudden Khol 's is reporting a 150 day late payment as if the card is still open. They just started doing this each month since two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On    XXXX   XXXX   XXXX    I made a {$20.00} ATM withdrawal from my credit card and was charged a {$10.00} ATM Withdrawal Fee. I do not recall seeing the disclosure saying that I would be charged {$10.00} for this {$20.00} withdrawal ; If I had, I would not have continued with the transaction. I seem to recall the disclosure stated the standard {$3.00} fee, as when I use my debit card, would be charged.

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 monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: MD

Complaint narrative:
XXXX  In response t o Atlantic Bay and  the original complaint.  XXXX   XXXX  was contacted by a frantic  XXXX   XXXX  and asked to write a letter defendin g him/Bay Atlantic. W hich he did and which they submitted as their original response.   As far as  XXXX  qualifying as a primary residence his current primary residence has not sold and the entire reason he wants to sell is he claims ca n't afford it- so since current residence has not sold and probably wo n't for at least 6 months- Prior to our purchase it was on market for 1.5 years- this is completely foolish. He may be able to g  XXXX   XXXX   XXXX  os but after that trying to juggle  XXXX  residences and utilities is going to be a stretch

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I took out a loan in  XXXX  of  XXXX  for a used car with a huge interest rate because of my credit issues from a very corrupt suto company and it was financied through  Credit Acceptance. I n  XXXX  if  XXXX  the car was repossed due to late payments I paid the past due amount in  XXXX  to get the car back from repossession. This is where my tragedy starts, when I picked the car up from the auction the interior was completely covered in MOLD. So much that I could n't sit in tbe car. The auction attempted to clean the car claiming it was sent that way from the repo company i called the finance company credit acceptance and told themI could  not drive th e car because of the mold. The auction cleaned the car was still filled with black mold. I told the finance company I could not keep the car even after extensive cleaning. I have  XXXX  boys bor n at 27 weeks  I let credit acceptance know my son is extremely allergic I  can not drive  him around in the car. They refused to take responsibility for the fact that their repo company left the windows down and the car was rained in for almost 2 months on and off. What was I to do. I had them come and get the car after they refused to help clean the car  so I could drive it with m y children. I have pictures to coloborate my story

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 2017-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Fedloan Help
State: NC

Complaint narrative:
I refinanced  Parent Plus L oans that I took out for my children 's college education. I came into really hard financial times and had could n't make the payments. I went through a third party company, FedLoan Help. I have had payments of {$91.00} drafted out of my account for a year and none of them have gone towards my Parent Plus Loans with FedLoan. This began on  XXXX  and the last draft was on  XXXX .     FedLoan Help said, via an e-mail, that I have been approved for a refund but now they do not have the funds. I feel now that I 've been scammed.     I have included e-mailed correspondence with FedLoan Help. I 've tried and tried to upload my bank statements showing the drafts. I ca n't get it to work.  May I  fax them to you somehow or mail them?     Thank you!     Please help!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-27 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: FL

Complaint narrative:
My wife and I filed for Ch. XXXX  b/k in  XXXX    XXXX  .  XXXX   XXXX  and  XXXX  both list this correctly. However, Equifax refuses to show this correctly. They show a Ch. XXXX  bankruptcy, which never occurred, causing us a hardship when applying for credit. I have repeatedly tried to contact them to no avail. Ca n't get through via phone, and their online dispute process never actually works - just error messages.     Additionally, Equifax lists several of our creditors as included in the non-existant Ch  XXXX  bankruptcy. Again, disputes filed, no resolution. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Received a call from  XXXX   XXXX  from  XXXX   XXXX   XXXX . I advised her I am not allowed to receive personal calls at work.  XXXX   XXXX  threatened to sue me. I again advised her I was not able to speak with her while I am at work.  XXXX   XXXX  has also contacted my employer on his personal cell phone.  XXXX   XXXX  very verbally abusive during this entire call.

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 2017-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I do not owe this money I had and still have medical insurance. I was never notified that I had any debt or money owed they did not give me the opportunity to dispute or even provide them with another copy of my insurance card. The waited and sent it to collections. The are billing incorrectly I consider this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received a report from Experian stating I received a negative report on my credit history. I contacted them and Experian sent me a report from Experian  XXXX   XXXX . The report lists a Late rent payment made in  XXXX    XXXX   to management of  XXXX   XXXX .     I am not the responsible party for the late payment. I attempted to make direct payment by check to their office several times, as I have always done on prior occasion, to no avail.      1. Exterior  " after hours '' payment drop box was fixed shut so as not to allow direct payment via this method ( as normally done for previou s two years ).     2. Office was ( understandably ) close d on  XXXX   XXXX   ( d ue date ).    3. Office w as also closed all day Monday,  XXXX   XXXX . I attempted payment delivery before going to work, and again after work  4.  On  XXXX   XXXX , I again attempted payment delivery around  XXXX  before going to work but office was not yet open. Upon return after work around  XXXX , I yet again attempted delivery but office was closed.    XXXX . On  XXXX   XXXX , I delayed going to work until office opened at  XXXX  and handed payment to office personnel, then went to work late.     The following day I received a rather unseemly note attached to my door stating that my payment was late and must be payed immediately by cashiers check to also include a late payment fee of {$120.00}, even though my payment had been accepted by office personnel the previous day. As a resident of this facility for some three years, having always paid my rent on time, and given all my attempts to pay on time in  XXXX , plus the fact that the " after hours '' drop box was disabled AND the office was actually closed and not accepting any payments for  two of the first three da ys of  XXXX , I was completely dumbfounded by this response and advised management so. At that time they apologized and told me my check was accepted and rent was considered paid.   However, the following week I was told that I still must pay the late fee of {$120.00} even though management had made the possibility of punctual payment near impossible.     I judiciously try to maintain a credit rating above  XXXX  at all times. I fully believe I made all reasonable attempts to pay this account on time and feel it is management 's mutual responsibility to take measures making client payment as convenient and reasonable as possible as well. It is unfair to taint my credit history with a late payment solely as a result of management 's measures to make client payment so very difficult.

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 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
" Portfolio Recovery '' calls my home at least 10 time s a day. This has been going on since I moved in  XXXX   2015 . They never leave any message to let me know what this is about. I am a 100 %  XXXX  vet and am tired of getting my   XXXX   XXXX   XXXX    to the phone every time they call. This is harassment. I have no idea what this is regarding as they never leave a message, nor have they mailed anything to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 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: IL

Complaint narrative:
I have made multiple complaints with   XXXX   for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the  seven  year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /   2017  by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.

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 2017-04-27 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: IL

Complaint narrative:
I have made multiple complaints with Experian for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the seven year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XX/XX/2017    by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.

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