vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Hi, I was alerted that an item had been added to my Credit Report upon checking this it seems the original creditor is XXXX. I have over the pass 10+ years received collections letters from other collections agencies and had this erroneous debt promptly removed. I have disputed the debt with the present Enhanced Recovery Systems ( ERC ) and XXXX. 

I have requested the aforementioned item be removed from my Credit and XXXX has stated that the creditor provided them with information confirming that the debt was valid none of which has been supplied to me by either XXXX or ERC. I requested the following : In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? The date of service and services rendered. 
b ) How this amount has been calculated in a way I can understand.

c ) Copies of the papers where I agreed to pay what you say I owe.

d ) A copy of the judgment if applicable.

e ) The name of the original creditor. 
f ) Demonstrate that you are licensed in my state, and provide this license number to me. 

The dates on the entry are not possible, I have not been a XXXX subscriber in more than 2 years. The date of their debt is posted on my credit report by ERC as XX/XX/2019. The XXXX account at my request was noted by their CSR Representative. 

Please advise? 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: MO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly late payments in XXXX, 2019 for the XXXX XXXX partial account number # XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I made two consecutive payments in XXXX and my regular scheduled monthly payment in XXXX which brought this account caught up and current to date. These late payments should not be reflected on my credit report. This incorrect reporting is harming my credit score. Please remove these late payments 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 2019-06-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I file a dispute on XX/XX/19 with Experian on some names on my credit report and on the the XX/XX/2019 I got a response back from Experian showing that the names has been remove and deleted from my  report but today I look at my credit reports and it's still reporting the 2 names that I got deleted and I call Experian and the rep XXXX got a attitude on the phone with me because I show him poof of the 2 names been deleted on my report but he is saying that they can not remove names off my report because credtors is reporting them names got deleted well I told him that's the hold thing why I wanted it off my credit reports because I go by XXXX XXXX XXXX., ... And I told him do he know how many XXXX XXXX XXXX and XXXX XXXX are in the United States ... .. And I don't know nothing about these accounts reporting XXXX XXXX XXXX ACCOUNT # XXXX .... XXXX XXXX ... ACCOUNT # XXXX XXXX XXXX XXXX another account that I have gotten off XXXX and XXXX for report false information XXXX XXXX ACCOUNT # XXXX I HAVE no idea who are these accounts I had bad credit all my life and never applied for no credit in a while so how is all these items is on my credit report it's call fraud EXPERIAN no it but won't fix they just wan na make a few bucks off a poor man like me but I got screen shots of everything if I got ta take y'all to court

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 2019-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I started to pay off my private student loan with Wells Fargo, which was a disbursement of {$16000.00}. As of XX/XX/XXXX, I've already paid roughly around {$17000.00}. 

I called the bank regarding the remaining outstanding balance I see on my account, and it's standing at $ XXXX. 

I asked why the amount was so high and they informed me it was due to the interest. Apparently, all my payments were being applied to the interest, not the principal balance. 

To my understanding, the interest should accrue either monthly or annually. However, they informed me that the interest rate, which they informed me was 10 %, has been accruing daily and will keep accruing interest until the loan is completely paid off. 

I want to report fraud that interest should not be accruing daily, or I'll never pay off this loan. I tried requesting a copy of the contract and I've yet to receive it.

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 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
i obtained my credit report and seen inaccurate information with a company i had no dealings with. upon my further investigation this company claims i owe money to them for services i have no knowledge of. this company refuses to furnish me anything validating and verifying that this debt belongs to me. this is hurting my credit rating and my livelihood and ability to provide for me and my family. my XXXX kids and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: MO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly late payments in XXXX, 2019 for the XXXX XXXX  partial account number # XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I made two consecutive payments in XXXX and my regular scheduled monthly payment in XXXX which brought this account caught up and current to date. These late payments should not be reflected on my credit report. This incorrect reporting is harming my credit score.  Please remove these late payments 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 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have some of my information that is not accurate on my credit profile. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I am self employed OWER OF XXXX XXXX XXXX. My DOB is XXXX my SS # is XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-06-25 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
My service for XXXX XXXX was cancelled on XX/XX/XXXX. I had been a customer with 100 % on time payments since XXXX. My final bill was paid through XX/XX/XXXX. I understood that there was a termination fee given I was XXXX days short of an equipment contract. 
I opened a dispute with my credit card company on XX/XX/XXXX for {$70.00} detailing the above. XXXX never disputed my claim. In a letter dated XX/XX/XXXX from Convergent Outsourcing I was informed that they were hired to collect a debt of {$150.00}. I responded to this with a certified letter requesting documentation of the amount due and copied XXXX as well. On XX/XX/XXXX I paid what I thought was my final payment to XXXX for {$88.00} for the early termination ( which also seemed incorrect. On XX/XX/XXXX I received a notice of debt from XXXX XXXX XXXX for {$70.00}. I requested the same information from them and still no response. On XXXX/XXXX/XXXX I was alerted to a negative credit item on my XXXX   credit report. I disputed it, sending all the documentation I have described. They closed it saying updated but no changes or explanation was made.

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 2019-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Ihavebeenafederalemployeeforthelast12years,withthesameemployerwithbreaks.MyemployerqualifiesforPSLFprogramandhascertifiedmewithFEDLOANServicinginXX/XX/XXXXformyemploymentperiodXX/XX/XXXXtopresent.FEDLOANhassentmemultipleincorrectlettersstatingmyfederalemployerdoesntqualify,andaletterstatingtheydoqualifyforPSLF,butFEDLOANwillnotreportcorrecttimeframeorqualifyingpaymentsamount.Ihavemade121monthlypaymentssinceXX/XX/XXXXtopresentandhaveXXXXleftonmyStandardXXXXplan.FEDLOANisonlycounting1paymentthatqualifies.TEPSLFapplicationskeepsgettingrefusedbythembecausetheyfalselyreportIhaventworkedformyemployerUSOfficeofPersonnelManagementfor10yearsormade120payments.IgetanewdifferentandincorrectcalculationorresponseineachemailorletterIreceivefromthem.Withsomanyfraudulenterrorsbythem,itmustbeonpurposesothattheydontprocessmyloanforgivenessthatIamlegallyowedunderTEPSLFprogrampassedbycongress.Withcorrectcalculation,myloanshouldhavebeenforgiveninXX/XX/XXXX.IvetalkedwiththeirOmbudsman,butstillkeepgettingcalculationerrorsanddenials.Ihavenowoverpaidmyloans1payment,andexpectthemtofixtheirerrorandrefundmeanyoverage.IfforanyreasonIstillneedtomake1or2paymentstosatisfyTEPSLForPSLF,Iwilldoso,buttheyhavenotprovidedmeproofotherwisethatIhaveadditionalpaymentsowed.Theydonotworkwithme,thecustomer,andtheyaretheonlyservicerthatcanprovidemePSLF.Themovedmypaymentsoncetoabout{$1900.00}amonthonPSLFIncomebase,andIhadtoscrambletofixtheirerror.Theyhavethousandsofcomplaintsonlineagainstthem,theyshouldgettheircontractremovedandneverbeallowedtoservicePSLFagainduetopurposefullymismanagementofit,whichisfraudulentandillegal.CEOshouldbeprosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a rewards savings account with Bank of America, and in late XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX company began withdrawing funds in another individual 's name on a recurring basis every month, until I noticed the account was looking less than it should be and reported it to BOA in XX/XX/XXXX. Bank of America then replaced the {$2200.00}, but then took back {$860.00} citing that it was past the time frame. My complaint is that Bank of America took my monies and gave it to another person without notification to me. Also that I and all banking customers aren't made aware that our money after 90 days isn't safe in banks, if indeed there is such a federal regulation.

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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being tha they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are rquired to " promptly delete all information which can not be verified '' that I have disputed. Please resolve the manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: FL

Complaint narrative:
i obtained my credit report from experian and seen inaccurate information with companies i had no dealings with. upon my further investigation these companies claims i owe money to them for services i have no knowledge of. this company refuses to furnish me anything validating and verifying that this debts belongs to me. experian fails to provide me with proof of their investigation methods according to the facta and fdcpa laws this is hurting my credit rating and my livelihood and ability to provide for me and my family. my XXXX kids and myself.

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 2019-06-25 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: FL

Complaint narrative:
i obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon 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 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
I called Phoenix Financial Services LLC the number I dialed was XXXX. I got a notification from them for a debt from a supposed hospital group. Upon calling the individual never announced who he worked for or what he did answered the phone as hey its XXXX gave him information that I received in the mail on XX/XX/2019 and asked about where it could have come from so that I knew where to start and find out more information for myself. He asked if he could look at what I was talking about I said yes he said he couldnt pull anything up it was too old. He gave me a hospital group out of XXXX I told him I did not live any where near there so needed some more specifics he berated me asked me how I couldnt understand how a doctor cant work in other states and then belittled me. Told me to pay for it and that I know what he is talking about and said come on quit playing with me started raising his voice told me to pay or he will take care of it other ways. I do not know what that means but to say it was unprofessional and absolute shock is an understatement. I would hope their phone calls are recorded, it would surprise by my first impression with this man if they werent. Would not give me info acted like a pushy gangster and threaten me over something to this point I know nothing about. He gave me a date from 4 years ago and then proceeded to get mad, loud, pushy, and derogatory towards me. I still have no information and this was so absurd and offensive not to mention he says have a good day cut me off from any question at all and hung up. This individual never gave me an proper intro to this company I had to ask if it was the right number he never asked for an account number or anything just said his name then went negative and demeaning within a minute on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: GA

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on the US DEPT ED partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-25 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:
Experian placed a fraud alert two days after I had one removed from XXXX. I did not place a fraud alert with either agency. XXXX removed the alert immediately upon me contacting them to do so. When I called Experian to have it removed I asked why was a fraud alert placed on my report without my authorization. They claim because XXXX  was reporting they would do the same. I explained to them that XXXX already removed the alert and that they should please do the same. That was on XX/XX/XXXX. I mentioned how imperative that they so because I have a closing on my new primary residence on XX/XX/XXXX. The man that took my information said that I answered the security questions incorrectly and that I would have to upload proof of identification. This is after I already proved my identity with ss # DOB, Current address, and previous address and employer and phone #. As you can imagine I became very irate and demanded that this alert be removed from my credit report. I then complied on XX/XX/XXXX with a letter and copy of my driver 's license and uploaded to their website. The information was received by then on that date. I called back today to inquire about and get an update on my status since my lender has informed me that this is the only thing keeping me from getting my clear to close. So explained that to the person who answered my call today and to please remove this fraud alert. I called in today and explained this to them that this was happening and I was hung up on 4X '' s. This is unacceptable and when I finally was able to speak to someone the man I spoke with said that they still did not receive my documents needed to remove the alert. As you can imagine I lost my cool and explained how this could possibly be. I really feel that they are playing games with me and making a mockery of me because I called out a few of there employees on how unprofessional they were. Can you please into this practice by Experian and see if it's on going problem. This could cost me several thousand dollars if I am not able to close on time. Since the seller is leaving the country for 3 weeks on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have been receiving numerous phone calls a day from them, all from different phone numbers. Sometimes upwards of 5-10 calls a day. Sometimes more. I have started blocking these numbers, but the calls have gotten so out of hand I can't keep up with them anymore. I have checked my credit reports and I don't see one collection acct on there from Portfolio Recovery. I then sent them a cease and desist letter requesting them to not contact me by phone, mail, email, etc. I am still getting numerous calls a day even after the letter was sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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: FL

Complaint narrative:
i obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon 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