vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 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: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
BENTLEY FINANCIAL SERVIC Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XX/XX/XXXX-XX/XX/XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XX/XX/XXXX-XX/XX/XXXX. After XX/XX/XXXX THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. Bentley had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from Bentley financial. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company calls me 3-5 times per day using a list of unknown numbers instead of a clearly specied number that identifies it as the actual caller. 
I have a debt that I'm paying directly to XXXX XXXX, and they continue to call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: NV

Complaint narrative:
experian credit reporting agency refuses to remove invalid charges that belong to someone else but me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Called numerous times from different phone numbers each time, but same caller ID name. 
Been told to stop calling, but calls back the next day from different number. 
Also called a couple of times before XXXX XXXX. Phone records available if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX credit reporting agency refuses to remove invalid charges that belong to someone else but me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: NJ

Complaint narrative:
I have tried to call XXXX XXXX XXXX XXXX XXXX since the matter is urgent. 
This is an automated service where one in not able to talk to live person. 
I think this is outrage that company, that can have real damaging impact on peoples life, limits the access to the company. With this kind of behavior this company should not have a license to operate in this country. 
I believe that they have things on the report that should not be there. 
This could have been resolved, if I had an access to the company. 
Written access in this instance is way to long, it can cause me immeasurable damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I am having a very difficult time with Ditech. I have been approved for a modification and was making my trial payments. I was unable to get a hold of Ditch durning the holidays and now am having trouble having Ditech accept my 3rd trial payment. I called to set up my 3rd payment on a payment arrangement for the XX/XX/XXXX. I was being recorded and I " Specifically asked if should post it for three XX/XX/XXXX because ii wanted to make sure all funds were in '', he said i should be okay because they dont receive the funds until 3-5 business days. As long they receive payment within XX/XX/XXXX I will be fine. They will then send me new papers upon my mortgage agreement. I got an email notification about Ditech received payment. I never gotten an BBC alert from my bank claiming an insufficient fund. I called on XX/XX/XXXX because no answer during the XXXX XXXX Holiday. I talked to XXXX ( asking why they have not taken the money or fired XX/XX/XXXX ) who told me that the check came back and that there is nothing they can do for me except do another modification. My last payment ... he said if they took the money now its for XX/XX/XXXX and XX/XX/XXXX would not be accounted for!!! I was almost in tears and explained what the other representative said to me. He really didnt seem to care!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CA

Complaint narrative:
I REVIEWED A COPY OF MY CREDIT REPORT AND FOUND A FRAUDULENT CAR LOAN IN MY EXPERIAN REPORT. I HAVE NEVER HAD ACCOUNT WITH XXXX. I AM A VICTIM OF IDENTITY THEFT. THIS ACCOUNT IS A FRAUDULENT ACCOUNT. EXPERIAN CREDIT REPORTING AGENCY DELETED THE XXXX ACCOUNT AS OF XX/XX/2019. IN SPITE OF THAT, EXPERIAN REINSERTED THIS FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT AND MY CREDIT HISTORY WAS DAMAGED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Arivo Acceptance, LLC
State: AZ

Complaint narrative:
My payment is late 11 days and they are calling me and harassing me and my references. I explained that I would make a payment next Friday. They forced me into setting up a scheduled payment I advised I would just call in and make payment next Friday they refused said I needed to do it now or further action would happen like me losing my car. Im not even 30 day late and I have always made a payment before its 30 days late. The manager XXXX was being very pushy and threatening. I tried to explain what I was gong thru he didnt care just kept going about the payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This company calls me 3-5 times per day using a list of unknown numbers instead of a clearly specied number that identifies it as the actual caller. 
I have a debt that I'm paying directly to American Express, and they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After taking a look at my excellent credit score, I noticed on my XXXX account and XXXX on XXXX, that your company posted a collection on my account without first notifying me of an alleged debt. I have reason to believe I do not owe this debt The Fair debt Collection Practices Act ( FDCPA ) .. has certain rules in place to avoid fraudulent collections, and you did not follow their policies. You are to notify the alleged debtor of such debt to confirm is a legit debt, and the person you are harassing is the correct person and not someone else. I was never given that opportunity to view your alleged collection, and should have been allowed to respond to your demand letter within 30 days after receiving such notice I have to notify you that you are in violation of the Fair debt Collection Practices Act ( FDCPA ) .. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name, mailing address and Email Address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4 Itemized breakdown of money owed and why 5. Demand an immediate cancellation of the Credit Card and an investigation report sent to me as to who and where such credit card was mailed too and who activated it and when If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Any and all future demands I request to be mailed certified and with a tracking number to avoid any confusion Sincerely, XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XXXX. After XX/XX/2018 THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. XXXX had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from XXXX XXXX. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CA

Complaint narrative:
XXXX XXXX XXXX Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XXXX. After XX/XX/2018 THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. XXXX had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from XXXX XXXX. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!

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 2020-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MO

Complaint narrative:
In over 40  years of loans and mortgages, this is the worse company I have dealt with. Was pre approved and paid {$500.00} application fee. Spent XXXX on attorney to make sure title co had everything was taken care of. A lot of this could have been handled by XXXX XXXX and XXXX XXXX. They were so slow at requiring more info needed. That I had to resubmit things several times. I spent numerous hours on e-mails and phone calls ... most a week or so to return or not at all. I spent a lot of time on items requested also. Now after 6 months, application is closed. I should have my Application fee returned. I intend to send this to as many review places I find included Consumers Reports if I am not reimbursed my application fee. All I wanted to do was lower my mortgage payment and make a few improvements. I have all correspondence with them saved. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am having an issue with Navy Federal credit Union taking Funds out of my checking account without my permission or notifying me before the funds were removed. I received a refund From XXXX XXXX XXXX  in the amount of {$2900.00} to pay for my other classes, books and supplies need at XXXX XXXX XXXX XXXX XXXX am a dual-enroll student. The money that was taken was my financial aid to pay for upcoming classes at XXXX XXXX XXXX XXXX starting on XX/XX/XXXX, XXXX but the financial aid and student loans that was meant to pay for those classes and books was taken by Navy federal credit union XXXX XX/XX/XXXX. Navy Federal took out {$2200.00} as soon as it hit the account. so I contacted Navy federal about this transaction and told them that the funds was from Financial aid I was then offered {$500.00} returned. then I filled a complaint with the XXXX on XX/XX/XXXX but Navy federal is still refusing to return the funds removed even after being informed that the funds were from a financial aid and student loans package.They have only offered to give me XXXX XXXX.of the funds back. I have contacted XXXX about my account and they have put my amount on hold until XX/XX/XXXX. I would like to get this resolved as quickly as possible so I can focus on my studies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOBXX/XX/1975 ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAG Reported : XXXX XXXX, XXXX - {$960.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAG Reported : XX/XX/2020 - {$960.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
BREACH OF TRUST, CONFIDENTIALITY, AND SECURITY On XX/XX/XXXX my husband and I saw XXXX at Citizens Bank, XXXX XXXX XXXX, XXXX, NH  XXXX. We needed to make adjustments to our online banking. We each have a checking account and a credit card. We no longer require access to each others accounts. XXXX told us these changes would take effect the following day. 
Next day we logged in. We can now see each others accounts but not our own. 
When I called the banks main office I could not speak to a representative by giving the last four digits of my SSN. I had to give the last four digits of my husbands SSN. He called in to Citizens to pick up forms for signing. 
XXXX had told me on the phone that I needed to change my logon and/or password but refused to talk me through the procedure. XXXX the manager did talk me through it. I changed my password but it did not solve the problem. She said the accounts got mixed up by the person who opened the accounts in the first place. I find this hard to believe. My account was opened in about XXXX of XXXX. How did this error go unnoticed all this time? 
Today, XX/XX/XXXX, the problem has not been resolved. I can not check balances, transfer money, pay bills, stop a check, or do any other banking online. I cant see if there has been a fraudulent transaction. 
We do not know if our debit and credit cards work. 
XXXX handwriting is an untidy scrawl. He made mistakes with figures on the forms and missed details. He has been extremely unhelpful and was surly to my husband. 
Most distressing of all is that when I logged in this morning, XX/XX/XXXX, to find nothing had been resolved, the first thing I saw was my husbands checking account summary, with a transaction I should not have seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
National Credit System is attempting to collect on a debt that they claim I, my wife and roommate owe for XXXX XXXX XXXX claiming they were not giving notice of our move out. I sent them a letter requesting that they validate the debt and provide documentation that they are licensed to collect this debt. They have ignored my dispute letter which included the notice of intent to vacate that I sent to XXXX XXXX XXXX and are now threatening to report this debt on my credit report and the credit reports of my wife and former roommate if I do not pay them immediately. They claim they did not receive the dispute letter I sent but I have proof that a representative of theirs picked up the letter and signed for it at the PO Box they  instructed my to send a dispute letter. They have also ignored my verbal requests for the documentation validating that this debt is valid and that they are properly licensed to collect it.

Company response to consumer: Closed with explanation