vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-04 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I disputed items from XXXX XXXX and XXXX and were removed from all 3 credit bureaus. Now a new collection company seems to have bought all these debts and re inserted these I was never notified that these would be put back on. 
Portfolio recovery 3 are XXXX XXXX 1 is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates stated that an account and its proceeds were sold, assigned, and transferred by the seller on XX/XX/XXXX. They stated the seller provided an electronic file of its business records concerning this account. Their office considers this matter closed. Despite request to PRA in  XX/XX/XXXX, XX/XX/XXXX to all three CB, XX/XX/XXXX to all three CB, XX/XX/XXXX to PRA, they will not furnish any data that states that this debt is MINE and most importantly they dont have a signature or contract with me to report on my credit. I have made numerous attempts to resolve this inaccuracy and they WILL NOT send me proof.They are breaking the law by reporting inaccurate data to XXXX, XXXX, and XXXX. PRA is in Violation of the FDCPA ( including but not limited to Section807-B ) and the FCRA ( including but not limited to Section 623-b ). I have yet to be provided with the following information : 1. Evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.What is their authorization of law for their collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Provide evidence/proof of the alleged debt including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I took out a 2nd mortgage with XXXX in XX/XX/XXXX. In XX/XX/XXXX, I filed for bankruptcy and the mortgage was one of the discharged debts. I have since been paying the 1st ( to a different company ) and no foreclosure actions have been taken by holders of the 1st or 2nd. I am not considering selling the property and there is a lien from XXXX on the home. I am researched with the XXXX   system and it still shows XXXX as the lien holder. My research has shown XXXX XXXX to have taken over XXXX. I have been in contact with XXXX XXXX for the last few weeks and have not been able to obtain any information on how I can clear the lien from the title. I am seeking a loan payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rodenburg LLP
State: MN

Complaint narrative:
XX/XX/2018 Rodenburg Law Office on behalf of XXXX XXXX  and XXXX XXXX issued a Levy on my bank account even though, after several emails with attached proof of SSI benefits as my only source of income. They sent garnishment documents to my small town bank who inturn froze and levied {$1000.00} from my account which left me when no money. 
My income solely stems from social security which is Federal and State protected from garnishment.

In addition, Rodenburg Law Office was fully aware of my Bankruptcy filling but went ahead and broke federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I was currently in a chapter XXXX bankruptcy which I later converted it to a chapter XXXX which included my mortgage. I later applied for a loan modification with Ocwen loan service. I was approved so I dismissed my chapter XXXX because I no longer could afford to pay my bills mortgage and bankruptcy payments. I am current on my mortgage but Ocwen keeps reporting it as late on me and my wife credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I have contacted them so many times in order to help me with lower interest rate and payment plan. They keep refusing. I do not know what to do? XXXX XXXX? I can not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ULRS, Inc.
State: CA

Complaint narrative:
Woman XXXX uses bullying tactics Told her I paid cash and office was supposed to bill insurance Same lady harasses me Called me good for nothing loser

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX and XXXX   ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( Experian, 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 non-monetary relief
Consumer complaint received 2018-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX  ), XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX Account # XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX  and Transunion ),  XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXX  Account # XXXX ( transunion ), XXXX XXXX Account # XXXX ( XXXX, XXXX transunion ).

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 2018-08-04 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: MD

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX  ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX Account # XXXX ( XXXX, XXXX, Equifax ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX Account # XXXX ( equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
in XXXX we were forced to go thru the loan modifacation process to prevent forclosure with the federal foreclosure court in my county ( XXXX XXXX XXXX  ) as a result of this process the mortgage holder was told to decrease our APR and also told to assist us in any way they could to keep this from happening again ... they were also told to adjust our due date monthly because my wife ( XXXX XXXX ) and i are on XXXX XXXX XXXX  ... .we continuosly asked them to change our due date to the XXXX of each month so we could make our mortgage payment in concurrence with our XXXX XXXX pay we receive on the 2nd wednesday of every month ... .wells fargo not only has ignored the courts request to work with us but our requests as well thus causing us to be late on our mortgage payment an obscene amount of times all the while wells fargo is reaping the rewards of late fees accrued during the past 5-6 years and also causing us to show delinquencies on our credit reports ... these delinquencies shoul not be occuring and wouldnt be if wells fargo would just have followed the orders of our federal foreclosure judge and the wishes of cooperation thru the federal court ... .i would like these delinquencies and the harm they are causing to my credit to be removed ASAP ...

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 2018-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One allowed someone to open a account in my name using XXXX. I dont use XXXX I use my married name XXXX. This person is hacking into my emails and getting my information and ordering things. My credit cant approve because of this person applying for everything. XXXX   got 17 off my record and my credit is still poor. I made police report and FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from Nelnet Loan Services. I had previously disputed this account. I have never done business with Nelnet Loan Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Nelnet Loan Services DELETED this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that Nelnet Loan Services pick in day in XX/XX/2018, where we can meet in XXXX. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I paid {$480.00} to Portfolio Recovery in full with a debit card on XX/XX/2018. The Funds cleared on XX/XX/2018 from my bank account. I called Portfolio Recovery to request a reciept of my payment. I was told there is a waiting period before a reciept can be issued. I requested that the confirmation of payment be emailed to me. I gave the representative my email address. I never received the reciept. I disputed the balance with the credit bureaus and as a retaliation tactic Portfolio Recovery Associates added a negative remark, they updated the status of my account to " Derogatory '' instead of paid and " Closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
On XX/XX/2018, I applied for a Title loan with XXXX XXXX in XXXX   XXXX, TX. Staff employee XXXX XXXX set up my account. I specifically agreed to pay monyhly {$100.00} to expedite the loan pay off. I received a check for {$460.00}. Each month I was not allowed to pay {$100.00} on my loan. I was required to pay other amounts lower than {$100.00} that I agreed to pay. Their required amounts that I was asked to pay were, {$97.00}, {$93.00}, {$87.00}, and {$91.00} which allowed them to control my loan not being paid as I had asked and they forced me to sign a new contract XX/XX/2018. Adding more interest to the loan. I had a very long conversation with XXXX XXXX and I accused her of running a scam on me just for the money. I also told her that there were over 100 complaints against XXXX XXXX for corruption against their customers and a former XXXX XXXX employee posted how corrupt XXXX XXXX is and explained how they cheat their customers. XXXX XXXX acted ignorant and said I am responsible for reminding them what amount I am paying. I have questioned them several times about giving me different amounts to pay. I recorded my conversation because XXXX XXXX is guilty of fraud refusing and denying me the right to pay the amount I agreed to pay. XXXX XXXX lied to me about giving me a choice of what payment plan I wanted and she never allowed me to pay the $ XXXX   monthly payment. I was very angry that she could sit there and lie. And this is how they cheat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: PA

Complaint narrative:
I attempted to call, pay off debt and requested letter from Tek-Collect, Inc. I fought out this company never had my new address since moving in XX/XX/XXXX. I called the XXXX XXXX XXXX and fought out Tek-Collect Inc made false statement concerning conversation in XX/XX/XXXX. I was told the company does not accept XXXX card and my checking is with XXXX. This company was making in hard to pay an account open with XXXX   since starting in XX/XX/XXXX when I received product never paid for, which never got in touch with me either. I received service from the hospital, which I worked for since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Mortgage company Ditech continue to escrow home owner insurance and send payments to the insurance company when I requested them not to do so and the company approved my request not to escrow home owner insurance. We pay our own home insurance for the year beginning XX/XX/2018, yet they have escrowed and have sent a check to the insurance four times between XXXX and XX/XX/2018. The latest was XX/XX/2018 I received an email from the mortgage company on XX/XX/XXXX, that they sent a check to the insurance company in the amount of {$1400.00}. 

This is my second complaint on the company since XX/XX/2018. The mortgage company response to your agency and to me is that they corrected the problem but the same issue happen again right after they sent out that communication that they corrected the issues.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: IL

Complaint narrative:
XXXX XXXX is reporting a false, unvalidated account on my credit report. I sent them certified letter on XX/XX/2018. To which they responded with their own account summery with does not meet Fair Debt Collection Practices Act requirements for validation of debt. The did not provide any proof of any signed agreement I had the the alleged original creditor. 

Not only did they fail to validate this debt with in 30 days as required by law, they also took collection activity by adding erroneous accounts to my credit report. 

I also sent them a SECOND certified letter on XX/XX/2018 to which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Hello, on XX/XX/2018 I purchased an annual movie pass from XXXX XXXX When I purchased the annual movie pass they said the pass would arrive within 2 weeks. Its been 2 months and the pass has never been received. They billed me right away. I have contacted XXXX  3x to get a resolution as to where my pass is. They never responded. I initated a dispute with my credit card company Citicards around early to mid-XXXX. They gave me a conditional credit pending the dispute. About a week later they denied my claim because XXXX provided a rebuttal that the card has a positive AVS-Y result and positive CVV so they denied my claim as it was not considered fraud. Problem is, I never disputed it as fraud. I willingly and knowingly initiated the purchase. The issue is, I can not use the service until I receive the card. Its like buying a pair of shoes online, being charged, and never receiving the shoes in the mail. That's not fraud, that's good not received. Since then, I have contacted Citi via email, written letter and phone calls and have gotten no reoslution as they either ignore me ( email, letter ) or they say its not their department and when they transfer me, I get disconnected. The charge is for {$160.00}. Citi can contact XXXX and see A ) I never received the card in the mail and B ) never used their service. If you XXXX search XXXX XXXX complaints - you'll see numerous upon numerous complaints about this company scamming people. I believe some receive their cards, while others dont which is how this company keeps scamming people. I have also initiated a dispute with XXXX. I uploaded my statement so you can see the charge in question. Any help with this matter would be greatly appreciated. Thank you for your time.

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 2018-08-04 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: Ability Recovery Services, LLC
State: NC

Complaint narrative:
The company Ability Recovery Services , LLC picked up an old bill of mine with XXXX University one that I had already discussed with XXXX University as inaccurate. They then reported it on my credit report which was inaccurate and aged out due to fair credit reporting act. I sent an email to Ability Recovery Services notifying them of this matter and requested a validation letter of this account and I didn't hear back from them. I made them aware that this was affecting my credit and got no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
I paid for repair services from XXXXXXXX XXXX and 4 items were supposed to be DISPUTED from very beginning. I was given information that the collector has 60 days to respond then when I spoke to XXXX was told its 30 days. I stayed with company for more than 60 days with no response from any of these creditors. The accounts are 2 XXXX XXXX XXXX, 1 XXXX XXXX, 1 XXXX XXXX/XXXX XXXX. The 2 XXXX are a hospital and I've always had covered by access and should have never been billed. The other two were secured credit cards paid in full already with the deposit. I called and canceled the repair service because all the items disputed and recieved no response were not removed. I then called the creditors and they just reopened the accounts. I had to dispute directly with the debt collectors myself when that's the job of the repair unless they did not receive a response then they wouldn't need to. The debt collectors disagreed the reasons to take it off so the accounts stayed. The 4 are still  showing up and I need them removed to have nothing negative on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
Borrowed {$350.00} from Bigpictureloans in XX/XX/XXXX paid XXXX each month up to XX/XX/XXXX still have a balance of {$380.00}.

Company response to consumer: Closed with explanation