vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
MIDLAND FUNDING LLC promised me that if I went with their service, they would pay off my credit card, take a small payment every month, and nothing would show up on my credit report. I made EVERY payment through autopay without issue. In XXXX, the debt MYSTERIOUSLY showed up on my credit report. Every time I called, I'd spend hours on the phone being transferred from one call center to another without any help. The call center in XXXX would berate me, one man even told me " women can't handle their money! '' and hung up on me. Meanwhile, they were falsely reporting the debt amount and that I missed a payment on my credit. 

To make it go away, I paid the amount in full and was told that the debt collection would be removed from my credit report. It hasn't been. 

I have asked them numerous times, called countless times to rectify this. They do not help me and I end up in the XXXX call center even when I ask for domestic. The men in the XXXX call center blatantly discriminate against women and have insulted me several times. 

Meanwhile, I've paid this off in full to XXXX balance. 

This company has no integrity, and I'm very angry they continue to report fake numbers on my account and mar my credit despite my paying every payment on time without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
Good Evening ; Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Was in the process of refinancing my home when my credit report was pulled and I was advised of a collection on my account from XXXX XXXX XXXX XXXX XXXX XXXX. I was told there was a balance of {$190.00} owed. InXX/XX/2016, XXXX advised me that did not receive a piece of equipment after I closed my account with them. I advised them that the equipment was turned into them by their technician when he came to my home. I explained this to the company and told them the tech scanned the equipment in and told me a receipt was not issue because the cable box was being discontinued. I did not hear anything else nor did I receive anything else until I saw this had been reported on my credit 1 week ago. I reach out to Credit Management ( CREDIT MGMT XXXX XXXX XXXX, XXXX, TX PHONE ( XXXX ) XXXX ) who now own the debt. I asked them if the balance was paid would they remove this from my credit as I was never made aware that this had occurred. I was told yes. I paid the balance so it would not hold up my refinance and was then told by Credit Management that they wouldn't delete it from my credit by would say I paid it. I think this is very deceitful. I am/was trying to do the right thing were most people wouldn't and this organization lied to fill a quota. Please help me resolve this. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive filled out an identity theft and sent information to the bureau. Items years old are just appearing on my report. I called and advised that they have my information mixed with someone with the same name. I called the companies and the social security number listed for the accounts are not my social security number and the directed me to contact the bureau. I am requesting verification that the social security number listed on the accounts belong to me and i did not receive the information that verified the information belonged to me. I had a credit report in XXXX that did not list these accounts that are years old

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: ID Analytics, Inc.
State: CO

Complaint narrative:
Recently purchased a new vehicle and was approved by XXXX XXXX. A month after driving off the lot, XXXX sends me a notice of " Change in Terms '' due to credit report from XXXX XXXX. They are NOT a credit bureau and if they are, they are not approved to use my credit report. The reporting is off by XXXX points AND they do not have the proper information regarding my report. This is a company owned by XXXX, who run XXXX XXXX, XXXX and others to gain personal data. 

The company XXXX does not have a login for a consumer to update their information and now are posing as a credit monitoring company to institutions such as XXXX XXXX and others. I am not having to finance somewhere else that uses the regulated credit monitoring firms such as XXXX, XXXX, XXXX. 

As as consumer, we have NO recourse whatsoever against fraudulent credit monitoring and scamming. Please do your diligence and remove them from the system. To other consumers, before any credit check, make sure you walk in with your own financing ahead of time. The dealers will shop your credit, while getting a yield on your point spread. Then, you will be at the mercy of the bank they chose, only to reset your terms within the 30 days limit.

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 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
The debt to XXXX referenced in my previous complaint ( XXXX ) has been sent to a collection agency by XXXX. As I explain in the details of that previous complaint, I do not owe XXXX any money. I repeat the text of that complaint below : I canceled XXXX XXXX service to my address in XX/XX/2018. I am unsure of the exact date, but I have an email from XXXX saying " Thanks for your recent call '' dated XX/XX/2018 and I believe that to be a response to my call to cancel service. I paid my last bill of {$54.00} on XX/XX/2018. Since then, XXXX has continued to send me bills first for {$54.00} and now for {$100.00}. I have made at least 3 calls to XXXX since XX/XX/XXXX to determine why they continue sending me bills. Each time, the representative assures me that 1 ) they are aware I canceled service in XX/XX/XXXX, 2 ) I do not owe them any money, and 3 ) they will make sure I stop receiving bills. But I continue to receive paper bills in the mail as well as telephone calls almost every day informing me of this " debt '' that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX EXPERAIN has failed to permanent remove accounts listed below. 

EXPERAIN has failed to remove inaccurate personal information from credit report.

EXPERAIN has failed to remove unauthorized inquires from my credit report. 

EXPERAIN HAS NOT PERMANENTLY DELETED AND REMOVED INACCURATE ACCOUNTS AND PERSONAL INFORMATION. 

EXPERAIN CONTINUES TO REMOVE DATA, PERSONAL INFORMATION AND ACCOUNTS AND THEN ENTER THEM BACK TO AN INCORRECT CREDIT REPORT. 

This complaint is being filed because Experian has ignored my request to provide me with the documents that their company has on file and used to verify or certify the accounts I have disputed. The alleged accounts in question have been formally disputed via certified mail and proof of service executed by registered process server. They have been provided with documentation that the alleged accounts are unverified and respondents of alleged accounts are in default for failing to respond or verify alleged accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " promptly delete all information which can not be verified. '' I have disputed the alleged accounts and provided all the necessary documentation i.e. default notices, proofs of service to alleged account respondents, U.S.P.S. Certified Mail receipts and U.S.P.S Return Receipts which contradicts Experians claim of Certification and/or " Verification ''. 

PLEASE SEE EXPERAIN REPORTS ATTACHED WHERE ACCOUNTS HAVE BEEN DELETED/REMOVED THEM " VERIFIED '' AT A LATER DATE. 

Please resolve this matter as soon as possible. 

Thank you.

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 2019-04-02 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: FactorTrust, Inc.
State: GA

Complaint narrative:
see attached letters

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
This is in response to New Mexico Educational Assistance Foundation and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by NMEAF. 
Upon asking NMEAF to correct some payment status information on my XXXX report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor NMEAF and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I hope you can help me. We live in XXXX Californa. We bought our house 3 years ago. We are retired  and have been a home owner for 52 years. This has never happened to us before and I want to know if it is right. We financed through XXXX XXXX. The first year it was fine and then they sold our loan to Ditech. Our payments were XXXX. We were notified that there was a shortage in our escrow fund and we either had to pay a lump sum of XXXX or our house payment was going up 100 dollars. We let it go up. So now our house payment is XXXX and this year we were contacted again and told that there was still an escrow shortage and we either had to pay XXXX or house payment was going up again 100 dollars. I dont think this is right. We have never had this happen before. 
Last year my sister bought a house here in XXXX and the same thing has happened to her. They just contacted her and told her she either had to pay XXXX or her payment was going up 300 a month. Can we have someone investigate this and see if they are cheating us. We are all retired and living on a fixed income. If they payments go up we may not be able to keep our homes. Thank you in advance for anything you are able to do. 
XXXX XXXX and XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
I was not aware that I could dispute the validity of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have unauthorized credit inquiries by SYNCB on my credit report on XX/XX/17

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 2019-04-02 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: NM

Complaint narrative:
This is in response to XXXX XXXX XXXX XXXX XXXX and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by XXXX. 
Upon asking XXXX  to correct some payment status information on my Experian report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor XXXX and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, XXXX 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 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XX/XX/XXXX, I was charged a {$5.00} fee on my credit card for a cash advance I did not request through my bank. Then again in XX/XX/XXXX for the same amount and description. I went to my local branch to ask why I was getting charged for a service I never requested and was asked if I had asked for a cash advance or used my credit card in an ATM to take out cash, which I had not. I was ultimately told that I can not do anything about the charges on my credit card because it's the merchants fault by how they " charge '' my credit card and the next time I make a purchase I should be told if they will charge it as a cash advance or to ask them how they will charge my card, but even then they won't always know what I mean. Therefore, I am being charged for a service that I never requested and I can not do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( Equifax, XXXX and XXXX ). They all claim that they are partners with these credit bureaus.

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: FL

Complaint narrative:
I have been paying my student loan every month for almost 12 years. I have never had a problem until a couple of months ago. They raised my payment {$250.00} more a month even though I made {$6000.00} less than I did last year. I have been paying {$190.00}. a month. I have mailed them 3 different Income driven repayment plans with a copy of my XXXX showing I made XXXX last year. They keep emailing me saying I made XXXX so they are basing my payment on that amount. I emailed them 3 times now saying to please look at my XXXX that shows I made XXXX but they email me saying I made XXXX. I will be XXXX in XXXX and I feel as though this is elder abuse. I have told them I can not pay the 450 a month. I have called several times but there phone number is for the XXXX, they have no number for the USA. The people in the XXXX put me on hold and say there computer is down and they can't help me. The student loan company is Navient. I want to pay my loan but I want it to be based on my income not the income they are saying I made. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: IN

Complaint narrative:
We were in the process of having a new home constructed and closing on the home was set for XX/XX/2019. We where shopping around for the best rates and after contacting an officer with Garunteed Rate we decided to go with them. That individual told us we would receive the below ( taken directly from an e-mail he sent XX/XX/2019 ) : OPTION 3 30 Year Fixed XXXX Loan Amount 4.500 rate (  paying XXXX points ) XXXX / month ( principal + interest ) PMI = XXXX / month **I give you {$2500.00} in Lender Credit with this option, which brings the total lender fees down to {$0.00} **I give you an additional {$1200.00} in Credit towards the remaining 3rd party closing costs : Appraisal, Title, Government Fees I followed up a few times about the credits and the {$1200.00} he mentioned. I sent an e-mail dated XX/XX/2019, and another on XX/XX/2019. The first time he told me the credits would be paid outside of closing ( POC ). After inquiring closer to the closing on XX/XX/2019 I was told we were only getting a {$2500.00} credit, and the " additional {$1200.00} in Lender Credit '' was not actually an additional credit at all, it was what would be left from the XXXX credit after applying that credit towards their ( Garunteed Rates ) lender fees. 

The original e-mail stated the credits in a way that they were two completely separate credits we would receive that could be applied towards different closings costs. However, when I tried to ask about them a few weeks after I was told not to worry about them and they would be paid closer to closing. It was only after my last inquiry near closing I was told these were not 2 separate credits and he tried to blame me not understanding for the poor wording he used. I believe he intentionally worded it the way he did to make the deal seem much better than it was, and tried to brush my inquiries about the credits aside until close to closing when we would be unable to get out of the loan without suffering substantial loses.

Company response to consumer: Closed with monetary relief