vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 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: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I applied at the university of XXXX and decided that with schedule and time constraints I would n't be able to finish the semester. I had a balance on my account. They reported it as a loan. I have never had a loan nor have I ever signed loan documentation with this establishment. They went as far as to fictitiously set up a payment amount that I have been missing and place that I 'm my credit report. Is this legal? I called and spoke with XXXX XXXX and she said that this is just their billing practice and she would not remove it from my credit report. I said but this is a lie, I do not have a loan with you ''. She then spoke with her supervisor XXXX XXXX and she said the same thing. Even though you do n't have a loan with us we report it like this to the credit bureau 's and the payment amount is 10 % of what you owe us, even though you did n't agree to this this is our practice. I was then referred to their billing company Heartland, I paid the balance in full. I just want the inaccurate information removed from my credit report and hopefully their billing practice changed. This should be illegal for them to report in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Collection company claims to have submitted for removal of account. Then XXXX has it back in the file and neither XXXX or collection company will attempt to remove it again .... 

Account is more than 7 years since last payment. The collection company has used the open date of collection or charge of date as last payment date. 

See attached most recent XXXX report. 

Also attached are copies of my XXXX report showing it was removed as originally agreed/proved it was more than 7 years since last actual payment. Not opening of collection account etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: TX

Complaint narrative:
on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: WA

Complaint narrative:
I have tried to contact this company three times in regards to accounts they have placed on my credit and to date I have not heard back from the company but the accounts continues to be reported on my credit file which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I sent written correspondence to National Credit Systems as well as their attorney via registered mail informing them of my correct address and asking for verification of the debt. TO DATE, I have yet to receive any verification of the debt or any written correspondence at all. Today, XX/XX/XXXX, I contacted National Credit Systems successfully after many unsuccessful attempts and was treated with complete contempt, despite all of my attempts to be professional. I was put on hold abruptly on many occasions and given excuses about there being phone issues, " a skeleton crew, '' and I was barely able to understand what was being said because the phone lines kept cutting out on the other end. I could n't even get my full account number and was told hastily by XXXX that " he 'd get back to that. '' I informed XXXX that in the six-seven months since my written correspondence had been sent to NCS, I had received nothing in return, despite multiple letters that I had sent and confirmed delivery of, via USPS. XXXX intimated that perhaps I had not provided NCS with the correct address, although I did provide them with the correct address and have received all mail from that address and continue to do so to date. I updated NCS with my current address even though XXXX implied that I should give them a better address. I will continue to send written correspondence to NCS as well as to the credit bureaus asking that this debt be removed since NCS has been unable and unwilling to do anything other than state that their " computer systems '' show that they are sending correspondence back to me, none of which I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
To Whom it May Concern : I am attorney who has been trying to negotiate a short sale with SPS on behalf of my client, XXXX XXXX, loan # XXXX, for almost 11 months. Over the course of the last 9 months, I have submitted documents for consideration by underwriting, and underwriting has either ignored submission of these documents and requested them again, thereby pushing the " 30 days for the lender to make its decision '' out again and again and again. Most recently, which is what has pushed me to send this complaint, is that on XX/XX/XXXX, I was advised by SPS that my client 's HUD needed to be revised to add a 3rd party to the HUD with a commission. On that date, I had both the first client representative and then a manager review the listing agreement and advise me that the party, XXXX, XXXX, something like that, was not a party to the contract and therefore did not need to be added to the HUD. The matter was then " expedited '' for review to be submitted to underwriting again. On Saturday, XX/XX/XXXX, I again called SPS.  Underwriting had kicked the file back again with the same note, a certain 3rd party needed to be added to the HUD. Again, two representatives reviewed the listing agreement and stated that underwriting was incorrect and they would resubmit. My concern is that underwriting will simply continue to reject the HUD despite the fact that change that they are requesting is legally impossible. No one in the SPS call  center has a way to address this. My clients have been waiting 11 months for determination of this short sale. I do n't know what else to do. Thank you, XXXX XXXX XXXX, 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 2017-10-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I had a credit card that was charged off in XX/XX/XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XX/XX/XXXX. A correction was requested on several occasions but the same information is being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: MI

Complaint narrative:
I had a credit card that was charged off in XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XXXX. A correction was requested on several occasions but the same information is being updated.

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 2017-10-09 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 — Problem with personal statement of dispute
Company: AFNI INC.
State: OR

Complaint narrative:
I cancelled XXXX XXXX summer of XXXX due to their system being unreliable. I paid the final bill which i have a copy of and also returned their equipment. 

They said if had to pay {$290.00} additional for cancelling the contract before end of term. I told them since they could not supply reliable stable service they had breached their contract. I told them i would pay the final bill of {$110.00} and return their equipment. Which it did. 

they turned me over to a collection agency which has been harassing me for several months now. They reported me to XXXX and they placed a derogatory item on my credit report. 

I asked XXXX to remove the item as I do not owe XXXX XXXX anything. XXXX owes me {$1000.00} rent for leaving their antenna on my roof which they have not removed after several written requests. 

I asked XXXX be required to remove the item and their collection agency be ordered to stop calling me. The agency is : AFNI, INC. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number : XXXX I also want XXXX to pay me {$1000.00} rent for their equipment on my roof they have failed to remove. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On my XXXX Credit Report it shows an account with Capital One Auto Finance in XXXX TX. Because this was not actually my debt, it was my oldest daughter, who hoodwinked me into being primary on her account when I thought I was just co-signer. I was not paying the loan. The entire payment history on this account is bad and eventually they repossessed the car from her. Regardless off all of that as I was reading today I understand it is better to have an account status of PAID-CHARGED OFF than to just say CHARGED OFF. In this particular accounts Comments it says : Account paid for less than full balance Paid charge off Contact CAPITAL ONE AUTO FINANCE XXXX, XXXX XXXX But the account STATUS is just listed as CHARGED OFF at the top of the account summary. Should n't it say PAID-CHARGED OFF, since she did settle with the car company and not a collection agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This is a follow up to my previous complaint regarding ARS Account Resolution 's ( ARS ) reporting of a medical bill on my credit reports. I have sent several disputes and requests for validation to ARS and the credit bureaus. However, ARS has failed to validate the debt, and stated in their response to my prior complaint that they are not obligated to send a signature or detailed statement. However, section 809 ( a ) ( 4 ) of the Federal Debt Collection Practices Act states that if the consumer notifies the debt collector that the debt is disputed, 'the debt collector will obtain verification of the debt or a copy of the judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector '. The same is re-stated in section ( b ) of the statute under the heading " disputed debts. '' Therefore, it is not enough for the debt collector to verify the debt themselves, they must also provide a copy of that verification to the consumer. Since ARS has not provided a copy of said verification, they can not continue to report this debt.

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 2017-10-09 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: FL

Complaint narrative:
I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XXXX/XXXX/XXXX of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.

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 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I called XXXX XXXX XXXX to tell them this wasnt my account they ran my social security number and agreed it was not mine and said that they would take care of it. Its still on my credit report and is also showing up in collections with a company called LVNV FUNDING LLC. I mailed a dispute letter to them and XXXX XXXX XXXX and its still on my report and its obviously not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/X/17 around XXXX I came through the drive thru line with my kids and tried to Cash a check on my account. The check was for {$450.00} my account has some $ 1,100+ already in it. I signed the check and put in my Drivers License with a Valid Government Issued Photo ID. ( I was refused service at the drive thru and was told I would have to come in despite having Valid ID, my debit card and the check ) At this point I had to park and get my XXXX XXXX to XXXX crying baby out of the car and carry my XXXX XXXX XXXX into the bank at their Convenince. I was once again refused service with my Valid Govenrnmenr issued Photo ID. When I requested the Policy pertaining to this Interal Banking Policy, as described by XXXX XXXX. She flat out ignored me. I then request this same policy be printed out from another Teller as was also ignored. Finally I called to what appeared to be a Manager and XXXX proceeded to argue with the Manager who then Walked away and I was once again ignored and refused the Policy print out of proof it even exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
An individual, initials XXXX. received a threatening letter in the mail from Navient regarding my student loan. The letter contains a threat and several intentional false statements to mislead and coerce this individual into doing Navients work for them. The letter also contains my personal and private information as well as my personal financial information, including my loan balances, account number, my address and my social security number. I have never given Navient permission to share my personal information with anyone. Navient sent this threatening letter to an individual that my parents know in an attempt to get me to pay my loan back faster. This is illegal and possibly criminal. Navient used the US mail to commit this crime. That is a felony. 
The letter also provides the false information that I listed XXXX. as a reference for my student loans. This is a lie and I would never have used this person as a reference. I do n't even communicate with this person and I have certainly not given Navient permission to share my personal and financial information with this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: GA

Complaint narrative:
This company Frost Arnett uses all sorts of tactics being a debt collector. I actually had another number at the time and told them to cease and stop contacting me. I never gave them permission to contact me I am not even sure how they got my number. I changed my number and they still contact me multiple times throughout the day all day long. It is a automated prerecording. They used to leave voice messages but that stopped. Under the Telephone Consumer Protection Act they restrict the use of automated phone equipment and this is a violation also under the Fair Debt Collection Practices Act because this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I have reported theft by someone at Wells Fargo and news reports confirm Wells Fargo admits stealing millions after I made my report. This agency claims Wells Fargo has responded. Wells Fargo has bought advertisement and made the evening news but they have NOT responded to me. 

Reporting to this agency has done nothing. This appears to be a method our government uses to steal from us. People getting paid to do nothing while banks steal from the poor.

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 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have already attempted to resolve this with Chase Credit Cards on numerous occasions, and still I am being ignored. I was charged numerous fees for items that I never purchased on both my Chase Slate and my Chase Amazon CARD, without my express approval. I did not give the company permission to take the large amounts and tack them onto my card. I did not make these purchases, and will not be paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Collection agency sent documentation to me showing that I have a XXXX balance but they are trying to collect interest. They have over 10 accounts that are like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XX/XX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: FL

Complaint narrative:
I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XXXX/XXXX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.

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 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not make theses inquiries and I just started monitoring my transition credit report inquiryXXXX XXXX  XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX  XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XX/XX/XXXX inquiryXXXX/XXXX XX/XX/XXXX inquiryXXXX XXXX/XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX 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