vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
To Whom It May Concern : I was served with a lawsuit on Sunday, XX/XX/2018 by the law offices of XXXX XXXX XXXX, XXXX on behalf of Credit Acceptance. I contacted the law office the following Monday in hopes to settle the debt. They stated that they would mail me a financial statement to be returned to them. I asked the representative ( XXXX XXXX ) if they would cancel the hearing until we got this matter resolved. I also asked her would I still need to file an answer with the court with the 15 day period that was stated on the lawsuit and she told me no ( which was not true ). Had I not filed an answer they would have gotten a default judgement against me. Credit Acceptance declined my settlement offer of {$2300.00} and responded with a counteroffer of {$4700.00} on XX/XX/2018. I contacted Credit Acceptance on Monday, XX/XX/2018 to ensure that once the settlement amount is paid that ( 1 ) the lawsuit will be dropped and ( 2 ) this account will be reported to all three credit bureaus as settled in full with {$0.00} due. I have been told by multiple agents with Credit Acceptance that this account will report as settled with a balance of the difference of the total amount due. When an account is settled it is supposed to show a zero balance. I have asked to speak with someone in the credit reporting department and have gotten the runaround several times. I have asked to speak with supervisors and was told I could only leave voicemails because they do not accept calls. I am willing to settle this account for the requested amount but only if it is reported correctly on my credit report. If it is not reported with a zero balance then they can technically come back and sue me for the remaining balance which is not settling an account. Thank you in advance for looking into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: IL

Complaint narrative:
Attached is my birth certificate as my name is not XXXX XXXX XXXX 5. 

I am disputing public record and XXXX accounts.

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 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account is not mines the address where this account was opened I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC
State: CA

Complaint narrative:
This debt is not valid and the collections agency is refusing to stop collections on this invalid debt. The collections agency was contacted in XX/XX/XXXX after finding a negative item on my credit report. In my contact with them I was informed that I would need to contact the original creditor as my dispute was that the debt was not valid. The original creditor was contacted in XX/XX/XXXX and as a result the negative item was removed from my credit reports. 

The creditor, in XX/XX/XXXX, a full five months after the issue was resolved, has renewed collections attempts for this invalid debt and is now threatening negative/adverse action that will affect my credit report. 

Upon contact in XX/XX/XXXX, the credit collection agency was unwilling to resolve this issue despite being informed that this debt is invalid. The agency also refuses to make any effort to verify that this debt is not valid. The agency says that their attempt to contact the original creditor in XX/XX/XXXX by email constitutes the legal requirement of due dilligence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
This account is not mines the address where this account was opened I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I would like to request the following items to be remove off my credit report " XXXX and XXXX " in the next 30-45 days if possible. I have never applied for credit or benefit financially in anyway from these two companies. I previously contacted " XXXX XXXX  '' and explained the situation and they assured me to fix the problem. It's been 8 months since the last contact and nothing has been resolved. The following item is damaged my credit and it's jeopardizing my ability to find housing because my credit decreased Please expedite my case since I have worked diligently to have a decent credit and having a negative or a hard inquire mark in credit report is jeopardizing my ability to find housing or credit anywhere else. therefore Id like to see this matter to be resolve in sensitive time manner. 

Sincerely, XXXX 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 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was lied to when applying for the credit card. I was told 0 percent apr but I continued receiving interest charges. I spoke to a supervisor and I was refunded for them and promised a 0 percent apr again but the interest charges started again. Another issue I had was that they locked my card before I hit their promotion offer of spending XXXX dollars. They made it incredibly difficult to verify my account by asking me to mail back a security letter with my social security number. By the time I was able to do it the promotion had expired and I did not receive the promotional offer. I've already lost my patience after this last interest charges ( XXXX and XXXX ) but they would only refund one month. I dont intend to pay one cent of something I did not agree to.

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 2018-12-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I lost my one chase credit card and one XXXX  XXXX credit card on XX/XX/2018 at XXXX XXXX. Someone used my this cards at XXXX XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX. And same card used in XXXX   XXXX  also. I informed to my credit card company immediately About this transaction and request to cancel these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
My son, has been on SS benefits since he was 8 years old, he has XXXX  XXXX  and XXXX  XXXX  so I am writing this out for him. He got a credit card back in XX/XX/2008 and I was paying on it. He had a run in of problems and couldn't pay any longer. Through the years we got phone calls, letters to pay XXXX XXXX. Years ago an attorney firm of Hayt, Hayt and Landau contacted us, made everything look legal, but still my son said can not pay. Just a week ago, I received this deposition notice that they want him to appear at the Bar Association where we live with all kinds of paperwork, proof of income, property, etc. All he has is one vehicle and we share one junked vehicle. Now today I get a FINAL NOTICE from the USPS that there is a large package that has to be picked up. We are home everyday, no post officer knocked on the door for a  signature, he just put the slip in the mail box. I wrote them on their website ( Contact Us ) and told them, he is on SS, this is a very old debt, not on his credit report ( which I just checked yesterday ) and to stop harassing us. We do not have anything else, as myself, and my other son are also on Social Security. I am my son 's rep payee and he says he will not pay an old debt. They can not garnish federal benefits if this is a time barred debt. If this makes it to the Magistrate, then so be it, we will make payments. But they have been harassing us for years, I had to get a phone system that blocks callers. I read on the net that this company has gone to many lengths to collect a debt. If this is something we definately need to take care of, I need to know. I will talk to my son but it will have to be a very low payment every month and they can bring it down 30 %. I am afraid to talk with them on the phone and my son won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account is not mines the address where this account was opened I have never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have had to file a complaint your your agency, several times on EQUIFAX. Each time the matter was corrected. But, now Equifax has a pattern of violating my rights provided to due and I can only believe it is due to the fact, that I have filed several complaints against them. 

The latest complaint is, that XXXX XXXX, has report a credit account to all 3 bureaus on my behave and XXXX  and XXXX  has updated and reported the account to my credit file. But, once again EQUIFAX, has choose not to honor the credit providers information provided and not report the account to my credit file. Equifax mandate, is to report the information provided by the actual creditor and has made the decision not to update the information provided, from the creditor. That is paying a service fee, to equifax, to keep current and update all credit files that the creditor provides data on. This is very unprofessional and has cause me a hardship once again. Due to the lack of not following the mandates provided by the creditor and the fed government. There should be no need for a long drawn out process, the information was provided to them and just needs to be updated as requested by XXXX. 

If things continual in this manner, I will have no choice but to file a civil case against them for all the various violations to my rights. 

I have attached a copy of my credit file, showing it has been report to the other bureaus and updated in a timely manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
BAY VIEW PURCHASED MY LOAN IN 2007 FROM XXXX XXXX XXXX. I HAD A CONTRACT WITH XXXX WHICH IS NO LONGER AROUND. BAY VIEW REFUSES TO TO HONOR MY CONTRACT I HAD WITH XXXX XXXX, THEY HAVE ALSO ADDED ON CHARGES FOR WATER, WHICH I HAVE A WELL AND HAVE CHARGED FOR SEWER AND I LIVE IN A NONE SEWER TOWN. I HAVE TRYED SEVERAL TIMES TO COMMUNICATE WITH THEM IN THIS PROBLEM AND THEY WILL KEEP YOU ON HOLD FOR HOURS. I HAVE HIRED LAWYER S AND THEY ALSO WILL NOT ANSWER ANY QUESTION, AND KEEP THEM ON HOLD FOR A LONG PERIOD OF TIME WITH NO RESPONSE. IM NOT LOOKING TO GET OUT OF PAYING MY MORTGAGE JUST WANT MY ORIGINAL CONTRACT HONORED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: DC

Complaint narrative:
XXXX called me out of the blue on XX/XX/XXXX about an amount supposedly owed to an ER doctor in XXXX XXXX, Rhode Island. I had already received an EOB from my insurance company saying that I owed nothing. I asked the person on the phone to send me a copy of the bill which they never did. I continue to received daily robotic phone calls from all different numbers. I have spoken again to my insurance company and they say I don't owe anything and if this company sends a bill to forward it to my insurance company.

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 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JTM Capital Management, LLC
State: TX

Complaint narrative:
This account does not belong to me, this address I was told this account was started I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy has charged me many fees. A couple of the fees they told me they sent me noticed and I opened it and I have not. Ive called navy 2 times now and even talked to a manger where they are very disrespectful rude and discriminatory towards me and my family. Telling us the fees are there and wont do nothing about them. One employee told me stop doing things where I would get feed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: AL

Complaint narrative:
XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.

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 2018-12-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.

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 2018-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This agency is reporting inaccurate information. I have been unable to get in touch with this creditor because the mail was returned and this agency is reporting this address on my credit report. I have disputed this with the agency and they refuse to remove this account from 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 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SIMM Associates, Inc.
State: MI

Complaint narrative:
Today ( Wednesday, XX/XX/2018 ) I received a call from this company stating that I have been reported because of my " bad credit '' and a " unpaid debt ''. They asked me a couple of questions and even tried to get some personal information but since I was not completely sure about their reliability, I did not give much information. I search in the internet for this company but there's nothing well described. They said " they were going to reach me out again after performing a more deep investigation ''. The number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: LA

Complaint narrative:
This agency is reporting inaccurate information. I have been unable to get in touch with this creditor because the mail was returned and this agency is reporting this address on my credit report. I have disputed this with the agency and they refuse to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given.

We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. Mr. Cooper keeps prolonging this process. Mr Cooper now are saying that have all documents received for a review but they still have our home under a foreclosure sale and recently they said they put the sale on hold but different representatives keep telling us different information one says ins on hold the other says its still on sale but after reviewing and calling the trustee its still on for sale, seems to me some of the representatives are trying to manipulate and get me false information to think that everything is ok but its not according to the trustee nothing has been stopped or placed on hold.

If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. We sent them all documents and are in review at the moment but why have they not yet removed the foreclosure sale.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: CITIBANK, N.A.
State: CO

Complaint narrative:
SEAR/CBNA ( CitiBank ) This account was opened in XX/XX/XXXX May last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting Citi Bank re-aged the account to show closed on XX/XX/XXXX as a Charge off. 
I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.

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