vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: IN

Complaint narrative:
Had bathroom remodeled, company in Michigan finished XX/XX/2019. 
Monthly contract with finance company, payment due in 30 days after installation. 
1st bill due XX/XX/XXXX already added XXXX+ interest in less than a week. 
payments were to be XXXX, w/XXXX daily interest, I have always paid more to try to pay off early. 
contract says monthly, company says they charge daily interest. 
If I send in a payment to early they charge me a months interest for non payment for the month, and then when they post that payment they charge me interest " AGAIN '' the more I pay, the more interest they charge. They also have said on my CR report that they sold contract to a credit union, so who do I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/2020. I received a small claim case No # XXXX from justice court of the State of Texas, XXXX County precinct 3. The plaintiff is Midland Funding LLC sue me and demand for payment amount of {$6700.00}. However the person reference in the citation have same name but not me, the social security number does not match mine, the address listed in the citation which I have never lived at, also I have never opened an account with the bank in the citation. 
I have contacted the plaintiff attorney through email with this information on XX/XX/2020 but a company Midland Credit Management still send me letter on XX/XX/2020 which a request of payment. 
Please contact me to advise the steps needed to stop send letters and dismiss this case. 
Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received a letter from Law Firm regarding a letter sent of an unrecognized debt with no information regarding supposed debt. Therefore, I promptly responded in writing a notification requesting verification and validation of unrecognized debt. Received no verification or validation of unrecognized debt. I never received any notification from debt collector. Law firm did not provide verification or validation of supposed debt and now threatening lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I contacted CMRE @ XXXX XXXX during the first week of XXXX to verify the mailing address, account number and how soon will they remove the debt from my credit report. I was told if I paid by credit card that day it would be put into the system and reported to the 3 credit agencies that day. I was informed if I mailed the payment amount the same process would be followed. 

So I mailed Cashier Check # XXXX, dated XX/XX/XXXX to CMRE Financial Service to cover the medical debt. The company received the check on XX/XX/XXXX. When I called on XX/XX/XXXX because, XXXX XXXX and XXXX indicated CMRE had not reported the debt amount was received and paid in full, I was informed by the CMRE representative that the checked was posted to the account on XX/XX/XXXX. XXXX XXXX and XXXX takes 45days to update credit reports.However, XXXX XXXX representative indicated this is not true. 

This is not fair to me. I have an emergency and I am trying to pay my debt so this will not appear on my credit report. CMRE have not reported they received the funds and cleared my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: DE

Complaint narrative:
My complaint is with Equifax and XXXX  Credit Bureaus.I have verifiable proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 180 days late as is XXXX. Equifax says they verified it, but there is no way. the same is true of XXXX. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with Equifax 3 times online always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General XXXX XXXX account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I requested to deleted the wrong address from XX/XX/2019 to today, but it still exists. 
The other two credits contributed to the resolution I've lived in the NJ colony  for 40 years. 
Wrong address : XXXX  XXXX, XXXX, VA XXXX Dispute NO : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding for XXXX XXXX  has placed a collection account on my credit reports that is not valid. Not mine. I have no contract or agreement with LVNV Funding at all. This originally came from Resurgent Capitol.They use multiple company names and different addresse to trick you into not knowing who to respond to properly. 

Upon initial receipt of a notice from them I sent them a cease and desist letter for this alleged account back in XX/XX/2019. Even though I had done this they have illegally placed this collection account on my reports. 

I have attached a copy of the letter that I sent them originally. 
I have also disputed this with the credit bureaus and re-sent LVNV Funding/Resurgent Capitol the cease and desist letter. 

I want this removed from all credit reporting accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NH

Complaint narrative:
My federal student loan servicer is FedLoan Servicing and I have been working toward Public Student Loan Forgiveness. FedLoan is missing three of my qualifying payments in their records and I requested a review in XXXX XXXX in order to locate the payments and have them added to the list of my qualifying payments for PSLF. This review has not yet been completed. I called FedLoan again on XXXX XXXX, XXXX ( 14 months later ) and FedLoan can't take a second request for a review of my account until the first review is complete. FedLoan could not provide an estimate for how much longer the review will take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding, LLC claims I owe and continues to report bogus debt totaling {$2200.00} purchased from XXXX XXXX XXXX. 

I have disputed this debt through various channels including XXXX  and the XXXX XXXX XXXX. Each institution has sided with the debt buyer, claiming that their reporting is accurate, despite the fact that Midland refuses to provide concrete evidence which corroborates their fraudulent reporting and collection efforts. 

I also wrote Midland Funding, LLC a letter citing Texas Finance Code, and demanding substantive proof of the debt they allege I owe, which received no response, in violation of Texas law. 

I am hoping CFPB can resolve this matter by forcing Midland Funding to immediately delete this bogus collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I was shopping via the Internet and was purchasing a product. I was given the option to us XXXX or use my credit card. I chose to use my credit card. I completed the process by providing the details of my credit card and home/billing address. I was later informed by credit watch services that I subscribe to that a hard credit inquiry had taken place on my file. Since I was paying by credit card, there should have been no reason to pull my credit report. The credit report was pulled by XXXX XXXX XXXX XXXX/XXXX XXXX on XX/XX/2020.

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 2020-01-21 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: OH

Complaint narrative:
CITI bank forcing paperless billing without consent. 
Did not get a paper bill for XXXX then again XXXX. Card was then shut off until I called them then sent check for entire balance XXXX {$2000.00} I paid {$25.00} fee {$20.00} interest for XXXX statement then paid {$39.00} fee {$31.00} interest XXXX statement. Was told no refund then it is on my credit report. I would like it expunged from my record and Citi need not turn accounts into paperless at there will will they acquire your e-mail address. I ordered a new card online prior to this and they signed me up for paperless automatically. I did NOT approve they say I did. 
No one pays a bill they do not receive. I am positive this has happened to many others. I believe the interest and fees they charge under these circumstances are fraudulent

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
On XX/XX/2020 FMS collection company pulled my credit report witout any consent. It states I rallied for credit with them I've never applied for credit and if they are a credit collection company how did I apply for credit with them.. This is not the first time that they have done 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 2020-01-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were 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 2020-01-21 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: DE

Complaint narrative:
My complaint is with XXXX and Experian Credit Bureaus.I have verifiable proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what XXXX  is reporting. XXXX  is Reporting my account over 180 days late as is Experian. XXXX   says they verified it, but there is no way. the same is true of Experian. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with XXXX  3 times online always getting answer verified. And 2 times written to XXXX  with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PRESTIGE FINANCIAL SERVICES INC
State: NM

Complaint narrative:
I purchased a car on XX/XX/XXXX in the amount of {$17000.00} with an interest rate of 21.13 %. I let the car go and the car was sold for {$6100.00} in which Prestiage Financial received payment of that on XX/XX/XXXX. I have paid {$10000.00} in payments and I have been getting garnished and have paid {$8300.00} and paid voluntarily {$1500.00} to stop the garnishment. They have been unfair and stating I still need to pay {$250.00} a month on top of garnishment in XX/XX/XXXX and a payment of {$1500.00}. According to my calculations Prestiage Financial has received {$26000.00}. 63. They keep threatening me they are going to keep garnishing my wages and greasing me with phone calls. I never received a judgement letter to go to court as they send it to an old address when they new my current address and failed to send it to the correct one and stated they had no control over that. I am tired of being threatened by them and I have almost been evicted on several occasions due to this. I am seeking help in regarding this matter and an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery, LLC claims I owe and continues to report two bogus debt accounts totaling {$4000.00} and {$590.00} purchased from XXXX XXXX. 

I have disputed this debt through various channels including XXXX  and the XXXX XXXX XXXX. Each institution has sided with the debt buyer, claiming that their reporting is accurate, despite the fact that Portfolio Recovery refuses to provide concrete evidence which corroborates their fraudulent reporting and collection efforts. 

I also wrote Portfolio Recovery, LLC a letter citing Texas Finance Code, and demanding substantive proof of the debt they allege I owe, which received no response, in violation of Texas law. 

I am hoping CFPB can resolve this matter by forcing Portfolio Recovery to immediately delete these bogus collection accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian have been charging me XXXX dollars A MONTH for over a year and a half and I never signed up for any of that rubbish.

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 2020-01-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL, INC.
State: MI

Complaint narrative:
an agreement was made to repay my son 's college loans, since then i had to retire and lost more than half my income, i have filled out paperwork three times. I have not been late or missed a payment, and since then they have more than raised the amount by more than double, i wrote them, with a payment explaining i could not pay any more at this time due to loss of income plus i need tires, i have no oven to cook on and my water heater needs to be replaced, the young man was kind enough to re-evaluate my situation and lowered my minimum payment to five dollars a month. I told him i would continue to pay the fifty dollars as i had been. since that time they start calling me as early as XXXX and after XXXX, i have told them arrangements have been made, but each person seems to feel they need to hash it all out again and again, as of yesterday, XXXX XXXX they called me four times, twice on my house phone and twice on the cell my son gave me for emergencies, EVERY time they let it ring one time then hang up. This morning when the phone rang i answered by saying, hello, then i counted to 3 before they hung up. Now i am having my second XXXX  this month and need to get them out because of recurring infections and with missing alot of sleep because of this, i DONOT this aggrevation. PLEASE HELP, they will not stop even though i have told them two times to STOP calling 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 2020-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This account was opened fraudulent. I reported to police department and I sent a copy of the report to all credit agencies. The account was removed and I received a letter indicating it didn't belong to me and I was not responsible. The account was placed back on 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 2020-01-21 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: AL

Complaint narrative:
When the bogus accounts were first noticed. XX/XX/2019 I sent information to them as well as contacted them regarding the issues they first came back with information had been verified as accurate this information is not mine. I also spoke with a representative that stated that they would not investigate the fraudulent accounts they would send it to the creditor reporting and have them investigate it. I have notified the credit reporting agencies more than 3 times and they have yet to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I was shopping via the Internet and was purchasing a product. I was given the option to us PayPal or use my credit card. I chose to use my credit card. I completed the process by providing the details of my credit card and home/billing address. I was later informed by credit watch services that I subscribe to that a hard credit inquiry had taken place on my file. Since I was paying by credit card, there should have been no reason to pull my credit report. The credit report was pulled by XXXX XXXX XXXX XXXX/PayPal Credit on 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