vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonded Collectors of Wisconsin, Inc
State: WI

Complaint narrative:
My credit score has duplicate negative accounts from bonded collectors of Wisconsin and it makes the balance that I have increased dramatically impacting my credit score negatively and the that is older than six years old since the day it was first entered as a debt of mine from XXXX XXXX XXXX in XXXX Wisconsin bonded collectors of Wisconsin is using manipulative business practices by submitting duplicate accounts for the same account. The statue of limitations has expired on this debt pere Wisconsin state law of 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
On XXXX I got a loan for {$1000.00}. My payments were {$170.00}. I checked on line on my account after the payment was drafted out of my bank account. The monthly payment jumped up to {$330.00} due on the XXXX day of XXXX. These people are a rip off and need to be investigated. I am on a fixed income and can not pay {$330.00} a month. I only get {$1400.00} a month. Something is wrong with these people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I made a settlement agreement with the original creditor. I sent a copy of the agreement and proof the payment to TransUnion to update my credit report. They updated my report initially and then changed it back to show me owing the balance the next day.

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 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect is trying to collect a debt that is passed the Wisconsin statute of limitations. They are also reporting into my credit agencies showing that I owe the entire balance and it is negatively impacting my score there may also be duplicates of the same account on my credit score. I think this is manipulative business practices and they should be investigated and prosecuted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX and Department of Education/Nelnet and Nelnet Loan Services is reporting accounts that are not mine. I have  disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
On XX/XX/2018 i was approached by XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to refinance my home. After providing them all of my financial information and documents, they were offered me a better deal on my current mortgage so we proceeded with the formal application. They also told me I had to pay for 2 appraisals ( {$720.00} ) each for a total of {$1400.00}. I gave them my credit card info and they ordered the 2 appraisals from 2 appraisers of their choice. Both independent appraisals came back at approximately at {>= $1,000,000} which is what i paid for the house a year earlier. I don't hear back from them for over a month and then i finally heard back from them and learned that the lender they picked did not " approve '' the appraisals and decide to come up with their own valuation at $ XXXX without setting a foot in my property. Since they didn't use or approve the appraisals they made me pay for, i asked for a refund on them. After a lot of arguing, back and forth, they agreed to refund me only one appraisals. I involved the president of the company, XXXX XXXX and he stopped responding to my emails despite several attempts. The company refused to refund me for the second appraisal and i honestly think it's absurd. They approached me, made me pay for the appraisals and then don't use the appraisals. What type of accountability process do they have in place? I have emails of everything mentioned in this report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
I, XXXX XXXX request for a full disclosure on ownership on a debt stated by XXXX XXXX  that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX  does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX  et al v. XXXX XXXX XXXX XXXX  decision US Supreme Court  No. XXXX Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. XXXX  XXXX has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since XXXX XXXX has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: NY

Complaint narrative:
XXXX, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************XXXX-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX -- -- C/O XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX - XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX XXXX and XXXX seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXXXXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************XXXX CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY XXXX  AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX, AND XXXX XXXX XXXXXXXX THAT XXXX IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

XXXXEQUIFAX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my Equifax credit file. If Equifax can not or chooses not to conduct an investigation of the same ( 3 ) accounts that are being reported by XXXX and XXXX, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************XXXX-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX - XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX and XXXX  seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************EXPERIAN CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY XXXX AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX, AND XXXX XXXX XXXXXXXX THAT EXPERIAN IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

XXXX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my XXXX   credit file. If XXXX  can not or chooses not to conduct an investigation of the same ( 3 ) accounts that are being reported by Experian and XXXX, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.

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 2018-12-11 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I, XXXX XXXX  request for a full disclosure on ownership on a debt stated by Citi Cards that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. XXXX Decided XX/XX/2017. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Citi Cards has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Citi Cards has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
State collection services is trying to collect debts that are expired has the statue of limitations for the state of Wisconsin they are also reporting it to my credit agency and there are duplicate negative remarks are regarding the same account that should have been already dismissed from my viability of the debt due to the Wisconsin statute of limitations they are negatively impacting my credit score which is negatively impacting my life and my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a loan with WFDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFDS with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX, XX/XX/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 2018-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I have a loan with CARNGTN MTG. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CARNGTN MTG with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XXXX, XX/XX/XXXX / XXXX - XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
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: GA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I made a settlement agreement with the original creditor. I sent a copy of the agreement and proof the payment to XXXX to update my credit report. They updated my report initially and then changed it back to show me owing the balance the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
XXXX XXXX AND XXXX XXXX I AM HAVING PROBLEMS WITH MY MORTGAGE COMPANY. I MAIL MY PAYMENT EACH MONTH AROUND THE XXXX OF THE MONTH. THE COMPANY ALSO HOLDS MY PAYMENT LESS TWICE A MONTH OUT OF A YEAR TO KEEP ME FROM DOING A REFINANCE. ALSO, I HAVE BEEN IN THIS MORGAGE FOR OVER 14 YEARS AND NOTHING IS GOING TOWARD PRINCIPAL. I WAS NOT AWARE THAT THE LOAN MODIFICATION HAS BEEN DONE 4 TIMES. I DID DO A MOD. ONCE, WHEN I HAD TO TAKE XXXX   BUT NOT 4 TIMES. I HAVE BEEN IN THIS NOTE FOR OVER 14 YEARS AND SOMETHING SHOULD BE GOING TOWARD PRINCIPAL. I SHOULD BE HALF WAY THROUGH. BUT THEY SAYING I WANT BE THROUGH UNTIL XXXX. THAT IS NOT RIGHT. I HAVE CALLED MY MORTGAGE COMPANY SERVERAL TIMES COMPLAIN ABOUT THIS PROBLEM, NOTHING IS DONE. I NEED HELP WITH THIS PROBLEM. PLEASE ADVISE ON HOW TO RESOLVE THE PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Creditor Information WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation