vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
On XXXX at XXXX, A phone number registered to Portfolio Recovery ( XXXX ) called me multiple times. They call several times a day from different phone numbers and area codes. The debt is legitimate, but I have sent them correspondence to stop calling and send written correspondence instead, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I didn't purchase item debt they are trying to get money to pay. It was purchased by a Mrs. XXXX XXXX XXXX, residents last known address was XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX XXXX  XXXX XXXX, XXXX, GA. Her phone number last known no longer of service, because the vehicle they seeking payment for past balance of was completely in her name. Also, On XX/XX/XXXX in a court proceedings Mrs. XXXX requested courts to award her the vehicle money owed on plus a vehicle which I purchased with cash when I first got out of XXXX XXXX XXXX XXXX and XXXX XXXX from having to have XXXX services in order to walk or take care of myself from a XXXX and a XXXX XXXX due to XXXX  in my sleep and I had a XXXX and a XXXX XXXX a wound up in at XXXX XXXX XXXX hospital in XXXX, GA, a XXXX Hospital on XXXX XXXXXXXX fighting for my life on XXXX XXXX until XX/XX/XXXX. I took out a title loan to get the money which I loaned to Mrs. XXXX for the down payment on the vehicle they are seeking money on balance owed which I believe was around $ XXXX {$5600.00}. I talked to them about this issue, but insisted to ruin my credit which was at time when vehicle got repossessed and I couldn't do nothing to make sure Mrs. XXXX made the payments on said vehicle due to the fact on XXXX XXXX I was placed under XXXX  for XXXX XXXX XXXX, for pulling a XXXX on a guy who was staying at Mrs. XXXX residence after the guy XXXX XXXX me after just getting out of hospital and was deemed XXXX after I got out if the XXXX  facility, due to Mrs. XXXX false statements when guy called the cops on me. I do know that they resold said vehicle for an undisclosed amount, because the dealership told me that it was resold. Also, the creditor sent me a payoff offer to clear up debit to get off my credit FOR the amount of $ XXXX {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Im very upset with my bank customer Service treated me Awful I just want to Order a special Order of checks but they dont understand me or what I want I wish they would care to show me that I called their check vendor to place an order XXXX XXXX they told me the check Order I want is Im a catalog they refused to Take my order even though they allow me to order directly with other banks they tell me with Bank of America you need to Order directly from Them they use our service and told me to Give them the number from their catalog I was given a number to Call it was an automated system horrible experience I then was transferred to customer service and then transferred to The check department they refused to Hear my concerns claimed Im lying and that they dont offer this product this is ridiculous when XXXX XXXX told me they do Offer the checks I want is called deskset checks their not standard like the bank sends to me it comes with a binder I like it because it keeps me financially organized it comes 3 checks on a page with a side stubs its called deskset checks they are normally for business use but can Also be offered ordered for Personal use but the bank doesnt Understand this and what I want I deserve to be compensated for the inconvenience this bank has caused me to be aggravated and refused to transfer me to XXXX XXXX To have the order placed by them its so easy if they couldnt help Me Why didnt they transfer me to their check vendor to have the order placed by them instead of Treating me so Poorly every bank allows the customer to order for special Orders directly to the vendor but they didnt do that for me they gave me a hard 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 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: WI

Complaint narrative:
the care act of XXXX went into effect XX/XX/XXXX. i have not been contacted by fedloan servicing about the freeze on payments, but only received my regular bills. i have now paid my past 2 months of payments and believe they should be refunded! i have a lot of debt and if i could have paid another bill with that , it would have made my life less stressful than it already is!!!! and they also have all of my PSLF records a whack : (

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter to Equifax dated XX/XX/2020 by certified mail. Equifax received my letter XX/XX/2020. My letter was in reference to inaccurate personal information on my credit report. They did not have my correct address listed. 
My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX The employment information was reporting incorrectly. I work at XXXX. 
My name was also listed incorrectly and misspelled and I wanted all information corrected. 
The misspelling on the report is listed as : XXXX ( with no space ) XXXX ( with no space ) XXXX XXXX As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a prepaid card with American Express serve, i was charged on XX/XX/XXXX. {$120.00} from XXXX XXXX  site. I dont have any acct. with them or didnt make any purchase through them. I file a claim to my bank and completed a serve dispute acknowledgement email as they requested and waiting to have a positive response from them. 
I also did make several phone calls to SERVE customer service number to explain the situation and communicate them that also talked to an XXXX Site supervisor over the phone and he confirmed to me that there was not charge or any acct under my namein their system because it doesnt exist. and recomended me to call back my bank and tell them they were willing to share any i formation on their investigation to get this solve. 
After taking to a SERVE Supervisor all this after a few days, he explained me that i will receive a claim acknowled form to be completed as part of the formal claim proccess, that is what I did and on XX/XX/XXXX. i received an email saying that my dispute was declined without any reasonable explanation. 
Simple as that they just decided to decline my dispute. 
At the time I have talked to XXXX supervisor my bank had not yet contacted them and i dont think they did any investigation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
I recently applied for a homeland and my realtor pointed out some discrepancies. There was several accounts which are new to me and they seem to be reporting negatively. I have never seen these before nor ever used these companies. I think someone has been using my information behind my back. I believe this to be identity theft and would like to get this issue resolved immediately. This is hindering me from buying my family a home.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Both XXXX and Experian are reporting an account on my credit incorrectly. I have contacted the company from which I had the account ( XXXX XXXX XXXX  Credit Card ) to have it corrected. The company sent me all of the documentation from my account. I disputed the reported information with both agencies twice in writing via certified mail by submitting the documentation from the creditor to have it fixed. All disputes were closed without the correct information added to my report. Both agencies actually did change the information making it worse and are now reporting it in a manner that is hurting my credit score even more. I am trying to purchase a home and this is hurting my score which could impede my ability to buy or cost me more money on my loan.

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 2020-04-10 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: Siggi LLC
State: CO

Complaint narrative:
XXXX is reporting a duplicate Omni Financial account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XX/XX/2018 and one still has a balance of {$950.00}. I have no open account with Omni Financial. I have called Omni and notified them of the problem, they insist they are reporting it correctly and it is on XXXX  to fix. I disputed it several times in writing with XXXX and they insist that is how Omni is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
I recently applied for a homeland and my realtor pointed out some discrepancies. There was several accounts which are new to me and they seem to be reporting negatively. I have never seen these before nor ever used these companies. I think someone has been using my information behind my back. I believe this to be identity theft and would like to get this issue resolved immediately. This is hindering me from buying my family a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
I recently applied for a homeland and my realtor pointed out some discrepancies. There was several accounts which are new to me and they seem to be reporting negatively. I have never seen these before nor ever used these companies. I think someone has been using my information behind my back. I believe this to be identity theft and would like to get this issue resolved immediately. This is hindering me from buying my family a home.

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 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CO

Complaint narrative:
For several months, I have been trying to refinance my vehicle with the initial promise of being able to refinance within 6 months of purchase - regardless of credit score. Even with a cosigner with excellent credit, I have been denied all attempts to refinance the car. The lender is making it impossible for me to be able to make my payments, because they are having me go to XX/XX/11 locations to make cash payments directly to XX/XX/11 to complete the payment to the lender, a hassle in and of itself. Additionally, facing hardship due to my service-related XXXX that have caused me not to be able to attain secure employment. These service-connected XXXX are causing me to currently be in-process of being declared 100 % XXXX and unemployable through the VA. The dealer made false promises to me, saying that I would be able to refinance within six months, that has certainly not been the case. It has been virtually impossible to get out of debt with this vehicle without negatively affecting my credit since the interest rate of an obscene 21.5 %. On top of everything else in paying for the car, XXXX XXXX XXXX XXXX has repeatedly called me from multiple numbers after I have explicitly told them to stop calling about payments, and I make payments as I am able to make payments. They have continued to harass and call at all times of day, including the middle of the night. All of those things combined - false promises being made and then not followed through on, being unable to refinance even with a cosigner with great credit, being unable to achieve gainful employment due to my VA XXXX status, and phone call harassment, this has become a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This is a complaint about Transunion Inc. I sent out a dispute letter on XX/XX/2020. Transunion received the dispute letter and sent me a letter stating, we recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. This is not accurate. I sent Transunion a Notarized dispute letter claiming that they need to verify my accounts. I called them the same day I received this letter on XX/XX/2020. Not only did I wait on hold for 2 hours, they picked up the phone and then proceeded to put us on hold for another 45 minutes. After waiting the extra 45 minutes, Transunion had already closed for the day. The customer service was horrible. I proceeded to call back the next day XX/XX/2020. I talked to two people, XXXX and XXXX. They didnt want to talk about the dispute letter I sent out and they were very rude. They are using red lining tactics by holding inaccurate information on my credit report. I cant get through to dispute and remove this information. This is violating the FCRA and my right as a consumer.

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 2020-04-10 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: FL

Complaint narrative:
I received a letter from Resurgent Capital Services stating that it was an attempt to collect a debt and if I didn't notify them in 30 days, there office will assume that the debt is valid.I never received products nor services from Resurgent Capital Services. I sent Resurgent Capital Services a dispute letter and in that same letter I also asked for them to provide me the Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with Resurgent Capital Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX -or- XXXX  Fraud XXXX Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  {$940.00} XXXX  {$1500.00} XXXX XXXX {$730.00} XXXX   {$11000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$780.00} XXXX XXXX {$780.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TN

Complaint narrative:
ACCOUNT DOES NOT BELONG TO ME

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is reporting a duplicate XXXX XXXX account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XXXX  2018 and one still has a balance of {$950.00}. I have no open account with XXXX XXXX. I have called XXXX and notified them of the problem, they insist they are reporting it correctly and it is on Equifax to fix. I disputed it several times in writing with Equifax and they insist that is how XXXX is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX XXXX$600.00} Opened XX/XX/XXXX 2019

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 2020-04-10 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: FL

Complaint narrative:
I have been a victim of identity theft. There are accounts from XXXX XXXX and XXXX XXXX neither of which I have ever used or had in my life. There is also something for a XXXX company also never even heard of this company. Please assist me in getting this matter handled to the best of your ability thank you so much in advance.

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 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I received a letter from National Enterprise Systems stating that it was an attempt to collect a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received services nor products from National Enterprise Systems. I sent National Enterprise Systems a disputed letter and in that same letter I also asked for them to send me an Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with National Enterprise Services.

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