vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: OK

Complaint narrative:
On  XX/XX/XXXX , I purchased a new vehicle from  XXXX   XXXX   XXXX  in  XXXX , Oklahoma. I had secured financing through my own bank for the transaction. I told the dealership that my bank had ran my credit for my approval and they should NOT run my credit. They said, no problem.  <P/> On  XX/XX/XXXX , I was contacted by the dealer requesting I complete a credit authorization form. The dealer stated my credit union required the form to be signed in order to complete the file. The dealer then sent the form to me on  XX/XX/XXXX  for my signature. Once again stating that the form had to be signed in order to fund my loan through my bank. I have a voicemail and emails to confirm this.  <P/> I noticed the evening of  XX/XX/XXXX , a credit pull showed up on my credit report from CredCo. I called CredCo to confirm that in fact the dealer had pulled my credit report.  <P/> Based on my research : Under the Fair Credit Reporting Act, a car dealer may pull your credit -- if you consent by filling out and signing a loan application. However, when paying with cash or prearranged financing, a dealer has no right to coerce you to agree to a credit check by invoking t he USA Patriot Act, the  XX/XX/XXXX  federal  anti-terrorism law.

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 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I  XXXX   XXXX  believe in the credit reporting system, but there are several issues that need to be addressed by the Federal Trade Commis sion ( FTC ) and the C onsumer Financial Protection Bureau ( CFPB ) to correct the debt collection process, and the abuses that can harm a persons credit ratings without legal standing. A debt collection agency known a s Portfolio Recovery Associates, LLC ( PR  A )  has posted several items of collection against me personally that can no longer be enforced by lawsuit within the state of New York. The creditors themselves deleted the original items from my credit reports since their existence became obsolete based upon the Fair Credit Reporting Act ( FCRA ) 7-year rule applying to outdated deb ts. Portfolio Recovery Associates ( PRA ) has  no standing to attempt to collect on debts that are no longer enforceable within my state of residence, not reportable on credit by FCRA guidelines.   PRA has posted and continues to post on my credit bureaus collections for the following outdated accounts :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( ORIGINAL HOLDERS OF   XXXX    XXXX  BANK ACCOUNTS ) This means th at PRA is posting the same accounts twice Attachments of all of these collections are attached. PRA showed  no physical proof of attachment that they were in possession of purchasing these debts, or approval from  XXXX   XXXX  that they had permission to collect on said debts. PRA collection the information on these accounts through a debt-pooling arrangement that should be deemed illegal at some point by the FTC.  <P/> PRA has no other recourse but to delete all references on all collections with each credit reporting agency, and to send a letter on each case that the information has been purged. I will submit an additional complaint with the Office of Attorney General, state of New York to investigate illegal collection practices such as those procured by PRA against New York residents.  <P/> THESE ITEMS MUST BE DELETED IMMEDIATELY & PERMANENTLY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: NC

Complaint narrative:
XXXX    XXXX   client  XXXX   XXXX  is an identity theft victim. His information was used to try to establish credit accounts without his consent.  I dispute of one such application was sent certified mail to Capital One by our agency on behalf of our client. Capital One replied to our client informing him " no account was found '' and asking for information about the fraud investigator that was assisting the client ; questions like, financial information about the LPOA issuer, the SSN of the issuer, the job title, the home address, things not related to what a Limited Power of Attorney addresses. The LPOA submitted was to speak on the behalf of, that is all. In addition Capital One failed to even read the dispute infor mation provided. We are not disputing an account ; we are disputing an application and requesting the inquiry generated be removed as outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
I have been continuously getting the run around from  XXXX   XXXX   XXXX   XXXX  and LJ Ross Associates regarding my medical bills- patient responsibility amounts. I called  XXXX   XXXX   XXXX   XXXX  in  XX/XX/XXXX  to make a payment arrangement on ALL outstanding bills as the statement I received in the mail stated. It stated that if I was unable to pay that I could call and setup a payment arrangement. I called  XXXX   XXXX   XXXX   XXXX  and was setup on a payment arrangement and paid the balance in full  XX/XX/XXXX   . Then the very next day  I g ot a letter from LJ Ross Associates which is a debt collection agency for a balance I thought I just paid through the payment arrangement.  XXXX   XXXX   XXXX  uses, LJ Ross Associates as a debt collector and the few bills that I was under the impression I was paying off were not included in the payment arrangement only facility fees. I called  XXXX   XXXX   XXXX  after talking to a representative a t LJ  Ross and the  XXXX   XXXX   XXXX  billing representative "  XXXX  '' told me that, that bill was not included in the payment arrangement. I do not understand how they could have been left them out when I asked for " ALL '' outstanding bills to be setup on a payment arrangement bills. I am in the process of obtaining a mortgage and this is hurting  my credit score. This  is super frustrating and this is not the first time  XXXX   XXXX   XXXX  has billed me incorrectly. In the past they have not billed my insurance timely and then when they finally do bill my insurance and my insurance pays their portion I get sent my co-pay or patient responsibility to a debt collector instead of giving me the opportunity to pay first.  XXXX   XXXX   XXXX  facility has gone through various changes through the past 10 years and I really think that they have cut corners to clear accounts before new owners have taken over. Fortunately, I have gotten those past issue off my credit report by disputes through the  XXXX  credit bureaus, but this is getting very frustrating and I need this to stop. I 'm sure I am not the only that this issue has happen too.  XXXX   XXXX   XXXX  billing practices ne ed to be investigated. And currently the bills I have been responsible for that were sent to LJ Ross for  collection were paid an d LJ Ross list ed them as a charge off on my credit report when that is not accurate. I understand that may be a separate issue but both companies practices should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I am having issues with Google I have a balance of  XXXX  on my account for purchasing  Google play  cards in the last week I have had my account closed are I purchased these and redeemed them upon doing so I made a new account and had the money switched to another account in which they closed it as well I have been on and off the phone trying to get my money refunded back and I 'm being told they wo n't give it back I was stolen from to begin with which is why they say they closed it initially I understand that but I made a new account and they still closed my account and are unwilling to return my money back to me I feel this is illegal for them to keep purples money like this I should not be penalized for someone having my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my Sears cre dit card because according to the company, " 15 months of inactivity gave us a reason to close the card ''.  <P/> False.  <P/> There was activity as recent  as 1  week ago.  <P/> Sears Credit Card was supposed to list transactions that occurred  in  XX/XX/XXXX / XX/XX/XXXX  as fr aud. Due to incompetence and gross negligence, Sears treated the charges as a dispute and my charges remained on my card and interest and late fees piled on for months. After months of wranglin g, I Sears changed the dispute to fraud. I was " credited '' part of my balance.   <P/> I mention part of my balance, because yes, Sears brought the account to  XXXX , but what they are forgetting is that I made payments throughout the time fraud was on my account, to keep my credit card payments current. They stated that they credited all fees and charges, but there should be a credit balance on my account the payments I made.  <P/> On top of all of this, I received correspondence from Sears that the credit agencies were informed and received up to date, POSITIVE INFORMATION, that my account was  XXXX , paid in full and CURRENT and CURRENTLY OPEN.  <P/> I HAVE BEEN DEALING WITH CITI CARD SERVICES SINCE  XX/XX/XXXX  ABOUT THIS FRAUD MATTER AND BECAUSE THEY ISSUED THE TRANSACTIONS INCORRECTLY AND NEVER CREDITED ME, THEY NEVER SENT ME ANY NEW CARD.  <P/> AGAIN, I HAVE NOT HAD POSSESSION OF A CREDIT CARD FROM SEARS BECAUSE FRAUD WAS ON THE CARD. THEY FOUND THE CASE IN MY FAVOR AND THEY WERE AT FAULT.  <P/> I HAVE DOCUMENTATION PROVING THAT THEY ADMIT FAULT AND A WRITTEN APOLOGY. I ALSO HAVE DOCUMENTATION FROM SEARS THAT THEY WILL BE SENDING ME A NEW CARD AND THAT MY ACCOUNT IS OPEN. NOW, ITS REVERSE, THE ACCOUNT IS CLOSED?

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 monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing  XXXX  violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Southwest Credit Systems, L.P. Inc. do es not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery keeps reviving an account from 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: Ditech Financial LLC
State: IN

Complaint narrative:
DITECH, MORTGAGE FAILED TO PROCESS THE HARP REFINANCE LAST MONTH, BECAUSE THEY ARE NOT REPORTINH ON  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: Levy & Associates, LLC
State: NC

Complaint narrative:
Law firm sent out notice about collecting a debt. I went on there website and submitted an email to see if we can setup payment arrangement. I ask if they can stop sending notices to home address and call my cell phone they did n't respond and they keep sending out notices to home address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, &  (   XXXX  )  XXXX   XXXX   XXXX  accounts   XXXX   opened  XX/XX/XXXX  with a balance of {$40.00} each.

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 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a CD that I used as a collateral for personal loan and I have been making payments and when it gets to a certain threshold, funds are released and deposit into my savings account. When this did not take place I contacted them numerous times and was given the runaround and w as at one point ignored via social media and was withheld from speaking to a manager wh en requested.

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 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
As of today,  XXXX   XXXX ,    2017, we are still being called by a collection agency called Portfolio Recovery.  They were collecting on an old credit card debt. My husband, in  XXXX  of this year, made an agreement with them to pay them {$250.00} total and the debt would be paid off. Our complaint is that they are still calling us for collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: Consumer Collection Management. Inc
State: IL

Complaint narrative:
Medical debt from my husband was placed on my credit report. Our insurance delayed payment and the debt was sent to collections. Our insurance finally paid but the deductibles and copayments remained in collections ( amount owed updated on credit report ). We worked with  Consumer Collection Management Inc. to  pay off the medical debt. I received a letter from them on  XXXX / XXXX /   2016  that all medical debt was paid and that it would be removed from my credit report.  XXXX  accounts remain on my   XXXX   report and are being reported as " open. '' I have disputed the items and also contacted the company however I have not received a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: NC

Complaint narrative:
A check was written to pay for day care services for {$600.00} I signed the check the same way I sign every check. The check was returned due to an invalid signature. The signature is the same signature as other checks that paid recently and the same day. No one reached out to me to ask if it was valid. Spoke to client esacalations and played phone tag with rep. Called back and got a different rep and he said there was nothing he could do to cover the {$25.00} charge that I am being assessed by the payee. This is  PNC 's fault. PNC needs to pay the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KS

Complaint narrative:
We were making extra payments in XX/XX/XXXX for what we thought was for our escrow because they were only having us pay XXXX XXXX a month for taxes ( INSANE ). Well that whole time that money was going to our principal instead. We did not catch this till the beginning of XX/XX/XXXX and they are telling us they ca n't do anything about XX/XX/XXXX extra payments to our principal and so we now went from a {$1000.00} mortgage payment to a {$1700.00} mortgage payment when it should n't be that way because they had a couple thousand dollars that was supposed to be used to be pay for the escrow when they finally figured it out but instead that went to our principal. We have called at least 10 times and asked to speak to a supervisor and not once have we ever gotten a phone call back. We just want the money transferred from XX/XX/XXXX that went to our principal to our escrow. It is OUR money and instead of just doing it they are putting it off hoping we will forget/telling us they ca n't do it, which is a lie

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 2017-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
In  XX/XX/XXXX , my husband and I applied for a loan with One Main Financial located in  XXXX   XXXX , MD. Since having the loan, we have made a numerous amount of payments on time and when my husband was laid off, we requested to have our loan deferred . One  way or another, since having this loan, as of  XX/XX/XXXX   , only {$1000.00} has been applied to the principal and the representative said that if we paid in full today, our total balance due would be {$13000.00}. We borrowed {$15000.00} a few years ago and have made payments totaling over {$7000.00} since having this loan. Our balance should be significantly lower especially since we have paid a significant amount during the tenure of this loan. In speaking with several r eps at One Main, they were unable to explain why an enormous amount was going solely to interest EVERY month. We are in the process of pursuing a civil lawsuit against One Main if the funds that we have already paid is not applied promptly. This issue has been brought up previously and have remained unaddressed by One Main.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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:
I 've sent numerous requests to this company via Certified Mail requesting proper validation. Each time the company ignored my request and sent the same itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. After doing research on this company my State, Texas, has been to court with this company. The court documents stated that Midland claimed to have a copy of the " consumer agreement '' for all consumers who " owe '' them. I requested a copy of this agreement and was ignored. I 'm not obligated to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. They 're known to bully consumers and sue consumers all the time. I will attach a copy of my letter to them, FT C Opinion Letter, th eir response. Please be advised that the copy of the response you see from them is what they continue to send me over and over again, ignoring request of other information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Funding LLC keeps reviving a debt fr om 2007. It is harming my credit score.

Company response to consumer: Closed with non-monetary relief