vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 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: GA

Complaint narrative:
Hi I attached my credit report I have student loans and I never went to school. I have multiple collections and charge off. I don't have any bad debt. I drive for XXXX and I have XXXX kids and a wife. Life is hard for us. Please I don't know who could've done this to me. 
XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed Hide closed ( 1 ) CREDIT CARDS XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1400.00} Closed XXXX/XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed STUDENT LOANS DEPT OF ED / XXXX not mines Reported : XXXX XXXX, XXXX + {$4100.00} In good standing DEPT OF ED / XXXX not mines Reported : XXXX XXXX, XXXX + {$4000.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

I have not applied for anything please remove these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX Reported : XXXX XXXX, XXXX + {$1900.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$860.00} Needs Attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount we loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - Complete Credit Solutions , Inc . 
In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name. I then contacted Complete credit solutions- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since then filed a dispute within the credit bureau XXXX. 

I also had another loan with XXXX that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.

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 2019-03-08 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: OH

Complaint narrative:
This is a previously disputed account with XXXX and XXXX. No method of verification was provided. According to 1319.12 O.R.C.- ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

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 2019-03-08 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: OH

Complaint narrative:
This is a previously disputed account with XXXX and XXXX. No method of verification was provided. According to 1319.12 O.R.C.- ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

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 2019-03-08 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: CA

Complaint narrative:
Re Acct # XXXX {$470.00} On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/2018 and XX/XX/2018. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TX

Complaint narrative:
The phone number contacted, the person contacted, was not asked to identify themselves, the person who answered said " I don't believe this. '' and hung up. 
Within 40 seconds, the phone rang again from the same number, so I answered the phone, I began asking questions and when I mentioned the direct violations of both State and Federal violations : Calling more than once per day after having made contact Failure to identify with whom you are speaking with, ie ; " You are XXXX XXXX XXXX? '' " What is your SSN '', when I refused to give that information, I asked " What information can you give to me? " ... as a debt collector, I can refer to an address, the last 4 of a social, date of birth, etc. and then say that I either have the correct person on the phone or vacate the call with an apology. 

Disclosure to an un-known party on the telephone ... who the client is. 

These are all direct violations of all the State and local laws that each and every Americans holds dear and have the right to enforce. 

This company appears to have no training, doesn't follow Federal law and allows their employee 's to break Federal/State law at will, as I was told repeatedly that no laws had been broken without the definite confirmation that " XXXX XXXX '' was speaking to the correct person. There was no Mini-miranda given and he refused to acknowledge any information other than my name, no confirming address, last 4 of the social, date of birth ... .nothing. 

We ended the call with I said it was XXXX in the long form and I was told that I need to rectify my response to him over a bad word. 
I still maintain XXXX because my legal rights, as an American consumer have been violated in the facts that you see above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis
State: OK

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX dba XXXX XXXX will not stop entering a partial payment of {$160000.00} as the last payment amount received for my four year long voluntarily closed and paid in full mortgage loan account in my credit files. XXXX has continually attempted to state I was " paying under a partial payment agreement '' when I never did during the life of the mortgage loan 's nine year history. XXXX deleted accurate last payment amount of {$170000.00} at Innovis without cause XX/XX/XXXX that an XX/XX/XXXX Report by Innovis shows as furnished by XXXX  XX/XX/XXXX, and as of XX/XX/XXXX, XXXX refuses to respond to Innovis to correct the misleading partial last payment furnished by XXXX in response to proving XXXX 's willful furnishing of the last payment accurately proven by the XX/XX/XXXX Innovis credit report and XXXX refuses to correct the mortgage file that did not credit the actual last payment amount of {$170000.00}, and continues to claim state a partial payment amount as the actual last payment received by XXXX XX/XX/XXXX is inaccurately as {$160000.00}. This amount and inaccurate comments regarding the payment are misleading in such a way as to be found adverse and allow XXXX to continue inaccurate partial information furnishing and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Risecredit, LLC
State: CA

Complaint narrative:
Hard inquiry with RISE was reported that is wrong and want removed. Inquiry : XX/XX/2018. I had a loan with them last year that was paid off in 2018. I would NEVER get another loan from them again as they charged me 134 %. I called about this and was left on hold for 40 minutes. They did nothing to address my complaint. Also I've had seven " pre approved emails from them this year XXXX alone and want them to stop. Although I unsubscribed from the email list and called to stop receiving " prescreened '' offers of credit from them XXXX ( XXXX ) they still keep coming. This company is unethical with the percentages they charge and I did NOT look for another loan XX/XX/2018. I was busy casting a TV show and fully employed. 
RISE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
I year ago I applied for a refi on my home. I bought my home in XXXX. During that time I had a second mortgagein the amount of XXXX. After having that mortgage for 2 years, the company filed for bankruptcy and I wasnt sure who had the second mortgage. Because of this the mortgage was not paid and charged off in XXXX. 
When I applied for a refi in XXXX the second mortgage showed on my deed of mortgage and as a result I ended up making payments on the second mortgage so that I could try and refi a year later on both the first and second mortgage. The servicing agent that claimed they had the right to collect for the second mortgage stated that as a payoff I owed {$26000.00}. This amount included the past due amount of {$12000.00} plus interest that is currently accring daily. 
The refi company asked them to sign a VOM for mortgage purposes in which they refused. I contacted the company they said they were representing to collect on their behalf. The original company stated that they don't have a record of a loan with them and couldn't find it by my name, address, or social security number. The company provided me a letter stating this and I forward this information to the servicing company to request a removal from my deed of record and all the money that has been paid for the last 13 months of monthly payments that they have collected. They have since notified me that my loan is deliquent, but can not provide any proff that they have the right to service this loan. The original paper work can not be found or therefore I am filing a complaint to rectifiy this misdeed and try to get some resolution because they don't have any intentions of trying to resolve this issue ethically. I appreciate any assistance you can provide in this matter. 

Sincerely, XXXX 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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has inaccurately reported my account with a balance of {$580.00} dollars. It accurately reports there were no late payment and the account was closed in XX/XX/2018. My credit report is showing this account as a charge off. Please investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
On XX/XX/2019, I went to pay my credit card payment on one of my XXXX cards ( I have several ). I noticed the last time I paid my bill, that I paid the wrong card which caused me to have a missed payment, I called XXXX and the associate said she could transfer the payment of XXXX I made in error to the correct card. I agreed to do this. Then overnight the credit card company lowered my credit limit on the card I paid in error by almost XXXX USD BEFORE the payment was transferred. This now has me over the limit on the card they moved the payment from. I was given XXXX warning. Now I have an over the limit credit card ( XXXX dollars! ), and I have never in my life missed a payment. This harmed my credit and financial situation, and I was given XXXX warning.

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 2019-03-08 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: TN

Complaint narrative:
I applied for the PSLF program and was told my employer was eligible but that I was in the wrong type of repayment plan and even though I am approaching 10 years of payments none of them count toward forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Miller, Stark, Klein and Associates
State: GA

Complaint narrative:
XX/XX/2019 I receive a voicemail threatening to take me to court over a credit card debt. XX/XX/2019 they called again. They even quote a new address that is associated with me. They called me last week as well. And emailed me payment processing. I email them back telling them do not contact me again I asked for an email address so I can send them a letter that an old debt is paid for. They want to try and validate my letter stating my debt was paid. They said it should have an Id number they hang up said I should pay my bills and Id get something delivered at the new address they gon na contact my job

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ

Complaint narrative:
I asked several times to have account verification. I even called XXXX and they could not validate the account. I keep disputing this account and somehow they say it's verified. They haven't sent me the original contract with my signature or any proof that this account is mine. {$350.00} is the amount owed in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
I was told by the company that they will keep money that was given to me in the form of a check to repair storm damage to the property. They only want to give me XXXX % at a time. This isn't enough money to even begin repairs. I can't get a contractor to agree to start the process.

I believe that the bank is trying to prevent me from getting repairs done, so that they can keep the entire check.

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 2019-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/ 2019, I set up an online bill pay to be sent to a particular address XXXX XXXX XXXX  and Chase sent the payment to the original creditor which is XXXX XXXX. I have called XXXX XXXX  on numerous occasion regarding this payment and they have not forward it the payment to XXXX XXXX. Additionally, Chase will not refund the funds back to my account The only thing that Chase Bank said they can do is send me a proof of payment that the payment went to XXXX XXXX XXXX. Due to the fact that Chase Bank sent this money to XXXX XXXX in error, they should be required to send me my money back in the amount of {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Nelson and Kennard, LLP
State: CA

Complaint narrative:
XXXX  XXXX XXXX and their Debt Collection agency Nelson & Kennard have been TERRORIZING ME. They are attempted to collect on an alleged debt and reporting it to my Credit Report, yet they can not provide proof that the account belongs to me at all. Simply providing me with statements is not proof. This debt doesn't even belong to me, they have no proof, no records, nothing, yet they continue to report inaccurate information about me, record my calls without my permission, contacting third parties about my debt without my permission ( Friends ) threatening me with all kinds of nasty things. They will not relent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/2019 I receive a voicemail threatening to take me to court over a credit card debt. XX/XX/2019 they called again. They even quote a new address that is associated with me. They called me last week as well. And emailed me payment processing. I email them back telling them do not contact me again I asked for an email address so I can send them a letter that an old debt is paid for. They want to try and validate my letter stating my debt was paid. They said it should have an Id number they hang up said I should pay my bills and Id get something delivered at the new address they gon na contact my job

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