vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 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:
XXXX ; Experian and XXXX are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-09-11 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a foreclosure I no longer owe. This is past the statute in WA and I do not legally owe the debt anymore and this account should be removed off of my credit.

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 2019-09-11 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: eCon Credit LP
State: FL

Complaint narrative:
Nationwide Acceptance, dba XXXX XXXX, is reporting a late payment in XX/XX/2019 but the balance was paid in full on XX/XX/19.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
My mother XXXX XXXX XXXX whom is a XXXX year old widow on a fixed income of SSI had her monthly mortgage payments of {$600.00} to Mr Cooper account number XXXX auto withdrawn monthly and has not missed any payments since XXXX. On XX/XX/XXXX I received a letter from Mr Cooper advising that the payment for XXXX was missed. I then called the bank and found out that as of XX/XX/XXXX Mr Cooper was deducting XXXX from her account for XXXX, XXXX and XXXX after calling Mr Cooper on XX/XX/XXXX I was told by XXXX that they would look into this and call me back. I received a call back advising that the reason for the increase was due to the property taxes increasing over {$5000.00}! We never received ANY type of correspondence advising of this increase from Mr. Cooper. I then called the county and the taxes have not increased I am attaching the county tax record as you can clearly see taxes for XXXX were XXXX for the year and XXXX was XXXX for the year. This is NOT a XXXX increase as explained by Mr. Cooper. Mr Cooper then advised that they could spread the payment out over 24 months to bring the payment down to XXXX effective XX/XX/XXXX. This excessive payment of XXXX caused a financial debacle for my mom whom gets a little over XXXX each month SSI. Mr Cooper did refund the 5 overdraft payments but they took XXXX for the month of XXXX and XXXX and now she is 30 behind on the mortgage as a result of this issue. She has paid XXXX but now owes for XXXX and we are in XXXX. This is very disheartening as the home she lives in worth less than 30,000 due to the deteriorating neighborhood in which she resides. I have my home listed as the mailing address so that I can keep tabs on the finances and assist her as needed. I am also able to speak on her behalf with Mr. Cooper. I feel as though she should have been notified as Mr Cooper emails me all correspondence yet NOTHING was said about the increase in escrows. I feel this is unfair and deceptive practice and Mr. Cooper should be held accountable as now she has lates on her mortgage through no fault of her own. Please look into this as she is currently on a balloon payment with Mr. Cooper through mitigation she had completed prior to the roll out of TRID in XXXX and had not had a late payment since the mitigation. I feel she should be credited all payments from XXXX through present so that she can get financially back on her feet. All representatives from Mr CoopeXXXX were nice and understanding but this does not excuse the fact that the company policy needs to be revamped when advising consumers of increases in their payments. Thank you for your time and consideration XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a foreclosure I no longer owe. This is past the statute in WA and I do not legally owe the debt anymore and this account should be removed off of my credit.

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 2019-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Please review the credit reporting for my alleged account. This account was charged off and is still reporting monthly as a late payment. Thats in direct violation of the law. After 180 days of non payment this was charged off. Every month you state non payment. Can u provide proof that this is in conjunction with the FCRA. 

Ive been fighting this account for years and at this point can you remove it completely from my reports. It due come come off in less then 6 months. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 

XXXX XXXX XXXX esq

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: TX

Complaint narrative:
I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX based out of XXXX Georgia Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is national credit systems Account number XXXX National credit systems Account number XXXX based out of XXXX Georgia Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: VA

Complaint narrative:
Equifax keeps playing games with my credit report. I made some disputes with the CFPB, the information was corrected showing decreases in my balances, and Equifax immediately drops my score by 53 points as retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I bought a account for my XXXX on this website called XXXX he is false advertising and taking people money & no one is shutting his website down. I gave him XXXX dollars XX/XX/XXXX I contacted my bank they say theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc.
State: FL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Contract them to install a Fire Alarm ( XX/XX/2017 ) charged {$3800.00} which was paid as agree. 
They stayed at the contract that Monitoring is mandatory by the Fire Marshall and was charged every three month for {$170.00} and it was needed when the Fire Marshall come to do the test to pass inspection ( Opening my Business ) I was not sure by the moment if was true what they were saying, after the first three month first bill arrived, paid and call Mr XXXX at XXXX XXXX to cancel my Monitoring because I could not afford it, they repeated the same, we may have to report you to the Fire Marshall office because is mandatory, again told go ahead and do it. 
Contacted Fire Marshall office to clarify the issue they told me in an email that my Fire Alarm does not need monitoring. Called Again to XXXX XXXX office talked to Ms XXXX and reassured my account was cancel. They never cancelled and kept sending on purpose to collect later. After all this time they called a month ago collecting me {$1200.00} due, explained with names and dates that my account was cancel with Mr XXXX and they didnt say a word, now they i received a collection letter and calls threatening to take me to court. This illegal practice they doing is not only against me if not with so many other XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
For about 6 months i have been receiving an 'Unknown ' call to my cell phone. Up to 10 times a day. They never leave a voice mail so I thought it was just a spam call and was frustrated because I could not block the number. Then I started to get texts to contact Comenity XXXX XXXX RE : XXXX XXXX XXXX starting on XX/XX/2019. Again I thought it was spam. 

Today, XX/XX/2019 they left me a threatening voice mail about the status of my account. And that is was 'escalated status that needed to be repaired in regards to this matter and the decision rendered may directly impact you without a response. ' I have no idea who Comenity XXXX or XXXX XXXX are. I have no account with them, never bought anything from them etc .... 

I called the XXXX number and spoke to someone in their call center. I told them I have no idea who they are, don't have an account with them and asked them to tell me what this is in regard to. They would not tell me anything unless I confirmed my address and last 4 of my SSN. I told them there was no way I was going to give them my personal information and that it sounded like a scam. I also told them that they engaging in Unfair, Deceptive and Abusive acts and that I was going to file a complaint with the CFPB and if they called me again they would be speaking to my lawyer. 

They said they would remove my number and not call me again but I want to make a record of the conversation because I have no idea who they are and if they will attempt to ding my credit or anything else these unscrupulous companies may try to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D2 Management LLC
State: CA

Complaint narrative:
D2 Management with phone number XXXX is calling me all day even at work threatening me with legal action if I dont give my personal information about a debt collection. I asked them whats all about they told to do what they told me to do, I asked them for information and license of their company but he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Recovery One, LLC
State: MD

Complaint narrative:
Recovery One Address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX called me from a masked number XXXX She claimed that we owed XXXX XXXXXXXX XXXX XXXX an amount around {$250.00} from XXXX of 2018. No proof was ever provided by Recovery One or XXXX XXXX as we paid at the time of replacement. No attempt was ever made before XX/XX/XXXX this year. No communication was ever attempted. When I mentioned this Ms. XXXX 's response was " guess you never check email or open letters. '' I replied that no letters or emails have been received. 
I said we needed proof or would not pay any debt. Her response was " then I'll put it on your credit and ruin it. '' When I tried to call back the calls were never returned. Not once. I called the main number and they transferred and hung up, denied I had the right number and won't return any calls. To be clear several aspects of the FDCPA ( 15 U.S.C. 1692 to 1692p ) have likely been violated by Recovery One. Listed below. 

place telephone calls to you without identifying the caller as a bill collector. 
communicate false credit information, such as failing to state that you dispute a debt. 
harm or threaten to harm you, another person, or your or another persons reputation or property. 
A debt collectors first communication with you must tell you that he or she is attempting to collect a debt and that any information obtained from you will be used for that purpose. 
In subsequent communications, the collector must tell you his or her and the collection agencys name. 

Not one of these above mentioned parts of the law were followed by Recovery One. 
I ask for immediate relief from these illegal tactics by Recovery One. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: IL

Complaint narrative:
My credit card with XXXX XXXX XXXX ( XXXX XXXX ) expired XX/XX/19 of this year. I called multiple times and requested a new card but was never sent one. This account has not been used since XX/XX/XXXX of this year. This company in XX/XX/XXXX wrongfully reported a past due payment to my credit report which caused my score to drop 96 points. I called customer service and explained to the representative that the late payment was made in error on their behalf especially since they method of making a payment is by your card number and I requested a new card/account number several times due to my previous card expiring in XX/XX/XXXX. During this time ( Around XX/XX/XXXX ) I requested AGAIN for them to send me a new card. I was then given an address and told to write to this address requesting the late payment be removed as it was in fact an error on XXXX XXXX XXXX end. I sent the letter as well as requested the credit bureaus to remove the late payment and have not received a response back from anyone. This is affecting my ability to purchase my 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 2019-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I am having difficulty in being able to afford my student loan payments as well as have enough money to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After a few months of travel I came home & began reviewing my bills. On XX/XX/XXXX I noticed EXPERIAN had been billing me {$19.00} since XXXX XXXX on my XXXX XXXX card. I had done a free trial & it appears they signed me up for a monthly monitoring service. I called their customer service number, their automated verification asked for very sensitive information over the phone to talk to a representative to cancel. I was put on hold for 70 minutes to speak to someone & could not stay on line any longer. Therefore, I emailed them for cancellation that same day. I didnt receive an answer from them until XX/XX/19, which stated they needed a Member ID # from an email I should have received to go any further. To date, I have never rec 'd any email from them. ON XX/XX/19 I sent that information back to them & on XX/XX/19 they asked for the same ID # to cancel. 
To end this vicious cycle with them I proceeded to cancel my credit card, so no further charges can be charged to my new card. This was the only way I could stop the charges. 
They appear to be a fraudulent scam, never allowing me to cancel, no matter how I tried. I have made every effort to cancel & they refuse to identify me, or cancel the membership. This, of course, is all through email, since you can not speak to any person over the phone. 
I am awaiting my new credit card statement to see if they were able to pick up my new number. When I cancelled my credit card I asked that no further autopay accounts be forwarded to my new card. So, if my statement shows their charge again for the month of XXXX, then I know they are a scam & have total access to all my pertinent information. 
The 2 emails I received from the emails I had sent were from PROTECTMYID. 
I have never received any credit monitoring emails from them or Experian, but have been charged $ XXXX/mo since XX/XX/19. 
I want to report them as frauds, scammers, & cancel whatever they have assumed I registered for. The contact numbers I have for them are : XXXX ( from their website ) support @ protectmyid.com ( from their website ) XXXX ( # that was on my credit card stmt, that rang busy @ all times ) Please advise me as to how I can get this cleared up. I have disputed the chgs on my credit card, but they received a " copy of sale '' receipt from Experian, so the credit card company would not remove the past charges. 
At this point, I have done all I know to do to cancel this service, which I did not ask for. I simply thought I was receiving a " free credit report '' when accepting offer. 
Please advise me as to how I cancel from this company, I am at a loss as to how else to proceed.

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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am having issues with my membership account which is necessary to have before I can purchase reports and scores and check to see if my minor has a credit report on file. However It appears no matter which phone number listed I call, there is never an option to speak with customer service, the entire service is automated and can not resolve the issue on hand. 

Number Called XXXX, XXXX, XXXX, XXXX, All these number when answered with the exact same automatic services, at no time there was any option to speak with a real customer 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