vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
On or around XXXX I was alerted by XXXX XXXX that I had a change to my credit. When I checked the change I was informed that Ability Recovery Service had added a collection to my credit report. I immediately contacted them about this collection. I explained to them that I spoke with XXXX a few months earlier and was denied the right to try and fix the issues. I was informed by one of the reps that because of the delinquency there was nothing they could do. I was not allowed to get on a payment plan or dispute it, or anything. So I submitted a disputed through XXXX XXXX and requested that they showed me evidence of them informing me of this debt. According, to the rep that was assigned my collection. XXXX did not submit supporting evidence to prove I owed them any money. In winter of 2018 I attended XXXX University, maybe two weeks into my program I emailed the academic advisor and informed her that the program was not for me. Instead of her dropping me immediately from the class because I was still within my grace period. She waited two weeks which caused my loans to have to be returned to lenders, and balances I was quoted when I called are totally different than the ones reported. XXXX XXXX the rep that is working on my collection contacted me directly and informed me that XXXX did not submit verification and the collection would be removed. However, now when I spoke with him hes trying to convince me that paying a debt that I do not owe is the best thing.

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 2019-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
On or around XXXX I was alerted by XXXX XXXX that I had a change to my credit. When I checked the change I was informed that Ability Recovery Service had added a collection to my credit report. I immediately contacted them about this collection. I explained to them that I spoke with XXXX a few months earlier and was denied the right to try and fix the issues. I was informed by one of the reps that because of the delinquency there was nothing they could do. I was not allowed to get on a payment plan or dispute it, or anything. So I submitted a disputed through XXXX XXXX and requested that they showed me evidence of them informing me of this debt. According, to the rep that was assigned my collection. XXXX did not submit supporting evidence to prove I owed them any money. In winter of XX/XX/XXXX I attended XXXX University, maybe two weeks into my program I emailed the academic advisor and informed her that the program was not for me. Instead of her dropping me immediately from the class because I was still within my grace period. She waited two weeks which caused my loans to have to be returned to lenders, and balances I was quoted when I called are totally different than the ones reported. XXXX XXXX the rep that is working on my collection contacted me directly and informed me that XXXX did not submit verification and the collection would be removed. However, now when I spoke with him hes trying to convince me that paying a debt that I do not owe is the best thing.

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 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
This collection was paid. To Enhanced Recovery CO L. There was also communication indicating this would be removed from my credit report once paid in full. I paid the debt. However, ENHANCED Recovery CO L continues to report this derogatory information on my XXXX Credit report. This company agreed it would no longer be reported if paid off, which I did. But, they refuse to take information off my report. Please assist. 
Amount owed shows as XXXX dollars. XXXX XXXX XX/XX/2018. Lastly, I have reached out to this company repeatedly with no response after paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently applied to refinance my current mortgage with Wells Fargo as I have been a loyal customer for 20 years. While I applied they demanded that I pay them an upfront fee for over {$500.00}. I'm was confused as my sister in law recently applied and she didn't have to pay any upfront fees yet she lives in a nicer area of XXXX XXXX ( zip code XXXX ). Yet I live closer to down town in more rougher area which I feel is unfair ( zip code XXXX ). Also, if I pay the upfront fee I will not be able to pay my mortgage payment as the upfront fee they requested exceeds my monthly mortgage payment. So they forcing me to choose between keeping my mortgage current or paying them to refinance my mortgage. Regardless they are not be fair to me because of were I live and intentionally trying to push me into a past due situation.

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 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Additional information concerning my consumer Credit profile has been updated and verified by Experian on XX/XX/2019. However, there were absolutely no changes were made to the following accounts. ( Please see enclosed attachments for further details ). 

( XXXX XXXX XXXX ) - still reports as verified and updated even though I've asked Experian to provide methods of verification. This is a violation. 

( XXXX ) - unkown account. This account is unknown and can not be verified after investigation was processed & updated. This is a violation. 

( XXXX XXXX ) - appears to verified even though I've sent a Unverifiable billing statement of which I've received by the original : creditor Yet, after a reinvestigation has been processed & updated Experian has refused to delete this inaccurate account. ( A Violation ). 

( XXXX XXXX XXXX XXXX ) still currently reporting Unverifiable information on my Experian credit report after Account has been disputed. A violation ( XXXX XXXX XXXX ) Still currently reporting inaccurate information. Even though Account was investigated and updated. A violation ( XXXX XXXX XXXX ) - still reports inaccuarte information even though account was investigated. A violation ( XXXX ) ( 2 ) accounts reporting inaccurate by XXXX. A violation.

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 2019-12-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: FL

Complaint narrative:
I made the mistake of co-signing a Sallie Mae student loan with my Grandson. After a miserable year of dealing with them, the loan was paid in full. 

Apparently, my granddaughter has a loan with them and my wife and I ( both in our XXXX 's ) are in no way involved with that loan. Sallie Mae has called both me and my Wife about contacting my Daughter and Granddaughter about the loan. 

If the calls are not in violation of law, they are a form of harassment and a collection practice that should not be permitted. I will not be involved in the collection of any loans that I am not a party to. Secondly, we are both on the National Do Not Call list and it seems as if these calls are a violation of that Federal Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
Emailed a dispute see below. 

Dear SPS, It was brought to my attention by your Customer Service rep that you have another account under my name. After further investigation your Customer Service rep advised me to submit a Dispute letter. It appears that either a mistake by your company or fraud, identity theft, into your system has occurred. 

I was told that account # XXXX property location is in Florida. I have never live or owned anything in the state of Florida. 

Account # XXXX is not my account and I'am requesting removal of said account immediately. I will also be submitting a complaint to theConsumer Financial Protection Bureau. Please notify me once the action has been completed. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 2019-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I opened account 7 years ago paid balance for reposition even though they never sent letter of balance but reportedly wrong balance information on my credit report.

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 2019-12-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I opened account 7 years ago paid balance for reposition even though they never sent letter of balance but reportedly wrong balance information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: PR

Complaint narrative:
XXXX accounts over 10 years both in XXXX balance should be removed from all my credit reports.

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 2019-12-28 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: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX accounts over 10 years both in XXXX balance should be removed from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: IN

Complaint narrative:
XXXX XXXX XXXX my idenity was compromised. As a result the fraudulent accounts listed below were opened in my name. The accounts listed below are currently reporting on my Experian credit file. I demand that Experian immediately remove the list of accounts below from my credit file. This is a violation of FCRA. If not, I will pursue further legal action.

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 2019-12-28 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I was contacted by Quicken Loans, who is the Servicer for a mortgage I have with with Quicken Loans. XXXX said she would like to review my account and see if there are any refinance offers available. I needed to run to a meeting, so she said she would look into things on her end and asked me if she could " pull up a copy of my credit report ''. It sounded like she was reviewing my account and looking at a copy of a credit report they already have on file. 

I then received a notice from my credit monitoring service that all three credit bureaus had receive a hard credit inquiry. I notified Quicken Loans that I did not authorize the credit inquiry and they refuse to remove it. 

My phone number is also on the do not call list, so this was an unwanted solicitation that I was led to believe was a discussion about my account. 

Finally, I was contacted by XXXX XXXX several days later saying to let him know if I want to consolidate " all that cc debt '' Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: NV

Complaint narrative:
After attempting to comply with the company 's request to provide validating information, regarding my previous address, to allow them to correct an error on my credit report, I AGAIN receive the same response that they " were unable to locate a credit file in our ( their ) database with the identification information you ( we ) provided. '' I supplied them with a copy of an earlier W2 showing my address, my current drivers license, a bank statement, and my social security card. [ What is almost humorous about this whole scenario is that several months earlier I was able to purchase a monthly reporting service from them and they continue to provide to those whom request it faulty credit information. ] Their continued refusal to acknowledge my credit file allows a more serious problem to prevail. That problem is the they continue to ignore a DISMISS bankruptcy in the the XXXX, TX bankruptcy court AND their continued failure to report a DISCHARGED bankruptcy in the XXXX XXXX, Nevada bankruptcy court. I have on several occasions sent them documents which supported both claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: Convergent Resources, Inc.
State: SD

Complaint narrative:
Convergent outsourcing was paid on a pay for deletion basis on a former XXXX   account. The representative of convergent outsourcing was recorded and was informed she was being recorded when she, as a representative of Convergent Outsourcing agreed to delete this negative information from my credit file. The account shows paid but Convergent Outsourcing shows a late payment of one month to impact my credit score in a malicious manner. I wish to pursue any and all avenues to ensure these blood suckers and others like them are held accountable. I am held to my word, why shouldnt they be?

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 2019-12-28 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: NC

Complaint narrative:
I have been disputing this account for a long time now and all I want is to have this account removed from my credit report. US DPT OF ED ACCT # XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

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 2019-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Contacted Experian and Explained that most of my account are listed as past due and negative although a Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and Converted to a Chapter XXXX in XX/XX/XXXX. The accounts were updated as negative and Charged off since XX/XX/XXXX. Resulting in my account noting 34 past dues and negative status These accounts should've been noted once and not noted for every month since XX/XX/XXXX. 

I need all of these errors and unverifiable information and error deleted from my files. XXXX accounts that were duplicated and fraudulently opened.

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 2019-12-28 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: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
The following accounts from ONEMAIN inquirydate XXXX, XXXX CARD inquiry date XX/XX/2019, XXXX XXXX inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: NC

Complaint narrative:
I have been disputing this account for a long time now and all I want is to have this account removed from my credit report. US DPT OF ED ACCT # XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

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 2019-12-28 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: NC

Complaint narrative:
I have been disputing this account for a long time now and all I want is to have this account removed from my credit report. US DPT OF ED ACCT # XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Contacted XXXX and Explained that most of my account are listed as past due and negative although a Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and Converted to a Chapter XXXX in XX/XX/XXXX. The accounts were updated as negative and Charged off since XX/XX/XXXX. Resulting in my account noting 34 past dues and negative status These accounts should've been noted once and not noted for every month since XX/XX/XXXX. 

I need all of these errors and unverifiable information and error deleted from my files. XXXX accounts that were duplicated and fraudulently opened.

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 2019-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Reference is made to a letter dated XX/XX/2019 from LVNV Funding AKA ReSurgent Capital Services to you. According to the last paragraph of the letter upon receipt of full payment of the accounts the status of the accounts will be changed to Settled in Full and a request to update the account will be submitted all Credit Bureaus indicating this Account is Paid in Full for Less than the Full Balance. 

In addition, pursuant to your letter to the Consumer Financial Protection Bureau you agreed to remove these accounts from Collection Status upon satisfaction of the agreed settlement agreements. These accounts have been settled and you or your third-party agents have received payments in full. I can provide necessary documents if required. LVNV has yet to respond to my fax/letter attached below.

Company response to consumer: Closed with explanation