vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Theres a inquire on my credit report I have no knowledge of and trying to get it removed but the creditor is not trying to remove it I tried reporting it as fraud but still nothinf

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Theres a inquire on my credit report I have no knowledge of and trying to get it removed but the creditor is not trying to remove it I tried reporting it as fraud but still nothinf

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 2019-02-20 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
I received a notice from Credit Corp Solutions for collection on a debt. I am requesting full debt validation. Please send me copies of the last 12 months of statements and accounting on balance said owed. I also would like a copy of notice of assignment from the following creditors ( XXXX and XXXX XXXX XXXX XXXX ). I would like a address and contact information for them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
To date I have formally requested both verbally and in writing to Select Portfolio Servicing INC that the XX/XX/2019 sale date be cancelled, as having a sale date while property is in ACTIVE MODIFICATION process and in in DISPUTE STATUS violates DUAL TRACKING LAWS set forth by the Consumer Financial Protection Bureau. After 12 written confirmations and verifications that SPS has received, there has been no action taken that will constitute SPS is abiding by C.F.P.B. Dual Tracking Laws. 

I am asking that the C.F.P.B. review and investigate SPS and XXXX XXXX XXXX  ( Trustee ), for this complete disregard for an abuse of the Federal and State Laws. 

The following is a timeline of written requests to postpone XX/XX/2019 sale date : XX/XX/2019, XX/XX/XXXX, XX/XX/1919, XX/XX/1919, XX/XX/1919, XXXX XXXX19, XXXX XXXX,19 XXXX XXXX, 19, XXXX XXXX,19, XXXX,19, XXXX XXXX,19, XXXX XXXX, 19. 

The following dates for verbal requests to postpone sale date : XXXX, 19- SPS Rep XXXX XXXX- I verbally requested to cancel sale date of XXXX, 19 and stop dual tracking violations while in review, active modification and in dispute status. 

XXXX, 19-SPS Rep XXXX XXXX I requested sale date postponement in regard to dual tracking violations. I was told that I had been given a repayment plan but I had not received it yet in the mail. By law I should be given time to receive SPS repayment plan and respond. In good faith, there should not be a sale date while this decision is being made. 

XXXX XXXX,19-SPS Rep. XXXX XXXX- I received the repayment plan with SPS enormous payments of {$5300.00} with monthly payments for 12 months and a balloon payment of {$320000.00} due. My original payment I defaulted on in the first place was {$1500.00}. I was told that if I did not accept the repayment plan that I would lose the property. 

I was also told that the file was in dispute status, which I am still waiting for an answer to and again requested the XXXX. XXXX, 19 sale date to be cancelled as per dual tracking violations. SPS has shown no accountability for their repeated violations of dual tracking while in dispute status and active modification and not allowing me adequate time to review disputes. 

I appreciate all of your efforts ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
XXXX needs to be removed as an authorized user. I have called multiple times trying to get him removed as a user. Every time they tell me they are not allowed to remove him because the account is closed and they can not and will not remove him. This is not his card this is solely my card and my responsibility and I would really like him removed from my account. Every time I called I was on hold for at least 30 mins and  kept being redirected only to get the same end result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Fraud inquiries as follows XXXX  XX/XX/2019XXXXXX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 andXX/XX/2019XXXX XXXX XXXX XXXXXX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Being charged by same company twice. Original company XXXX XXXX XXXX. 
Transferred to Commonwealth Finance on XX/XX/2018. a ) all info seems to be duplicate. b ) I would think insurance would have taken care of this. Ins was with XXXX XXXX XXXX or XXXX XXXX XXXX. If not duplicate, please show difference in charges. Each is for {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.

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 2019-02-20 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: MD

Complaint narrative:
*The XXXX XXXX XXXX Account of XX/XX/XXXX was paid in full ... by XX/XX/XXXX and charged off ... and do not owe the company anymore ... 
*The XXXX XXXX XXXX of {$390.00} was charged off and do not owe the company anymore ... 
*The XXXX XXXX Credit Card was Charged of in XX/XX/XXXX- {$840.00} and do not owe the company anymore ... 
*The XXXX XXXX XXXX Credit Card is current and in good standing *The XXXX XXXX Account of {$8200.00} was charged off and I do not owe the company anymore ... 
The Company of XXXX XXXX of {$550.00} was never owed anything on any agreement and I contest owing this recovery company anything ...

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 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: MI

Complaint narrative:
Follow up with complaint XXXX Is regarding account # XXXX, which you claim Such as I owe $ XXXX.They put negative marks on my credit reports ( including XXXX, XXXX and XXXX  ) . Without verification of my signature or have enter any agreement with OLIVER ADJUSTMENT COMPANY INC.

OLIVER ADJUSTMENT COMPANY INC Stated : " We have disputed the account per the consumers request and will follow up with our client and send out Validation of the debt. ". Which means OLIVER ADJUSTMENT COMPANY INC, does not have my signature or any contract or arrangement. Which is a violation of my rights under. The Fair Debt Collection Practices Act. I do not know who you are. I have never been to your office or even where you are located. This is damaging to me and my family. I having a hard time at my job focusing.because of the XXXX dealing with this problem that is not mine. I'm having XXXX XXXX. Which I'm going to the doctors today.It is stopping me from refinance my house. So, I can make an addition on house for my sons needs.My son is XXXX and need special commendation.

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 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
They called me concerning someone I know account. I ask them not to call me any more and they keep calling. I don t owe this collection company. I am Ill and do not want them calling me again. It's not my account. I am not the owner of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.

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 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
Received a letter from FBCS , INC that I owe them XXXX for a dental debt. Called the dentist office was told they never use this company and my debt was paid in full in XX/XX/2018. Called the collection company spoke with XXXX   XXXX, she informed me that my dental office hired them to collect this debt. Wanted a receipt showing I paid this in full. Called back to dental office I was advised to send them nothing as my dental office did not hire them, and does not know how they got this information and the account number on this letter is not even mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: NY

Complaint narrative:
XX/XX/2018 Transunion received from me a certified mail ( XXXX ) in which I am requesting to investigate information that is hurting my credit and in a clear violation to the federal law ... 

XXXX reporting a past due balance of XXXX in a collection account which represent a violation to the federal law ... 

XXXX XXXX reporting a past due balance in a collection account. 

The answer from Transunion was to sent me an updated results of their investigation and I attached the picture of the results where Transunion keep reporting a past due balance in collection account represennting a violation to the federal law .... 

I AM ATTACHING THE PHOTO WITH THE PROOF OF THEIR INVESTIGATION AND CIRCLE THE VIOLATION ... past due balance in a collection account is a Violation.

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 2019-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I am continuing to have problems with GM Financial. Now I have applied for a home equity line and XXXX XXXX is stating I have a GM account being reported still late. I do not have two accounts - Acct XXXX has been straightened out - but GM is saying I have late payments on another account from XX/XX/XXXX - Acct XXXX - was a XXXX XXXX I traded in for in for the XXXX XXXX ( acct XXXX ) - I do not own the other XXXX - ( XXXX XXXX, XXXX XXXX, XXXX, Oh XXXX ) took possession of the car when I leased the XX/XX/2018. My mortgage credit report still has inaccurate information on it and it is keeping us from taking care of our financial statements. This is absolutely ridiuculous that I am still paying the price ( 5 months ) for GMs XXXX up. I want my financial statement as well as my husbands to be no longer affected by GMs terrible service. I want it taken care of immediately, so that any one who we apply for credit through knows we are not deadbeats! 


XXXX previous dispute # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
Number calls continuously, sometimes as many as 4-5x a day. They call and if picked up refuse to acknowledge. They refuse to identify who they are and why they are calling. Skip trace of the number indicates it belongs to a United Collection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is concerning XXXX Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report. 
XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX called me  to inform me of the fraud and told me they would close the card as they did and I agreed. Transunion & XXXX refuse to remove from my credit history after they been shown the information as FRAUD

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 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
Debt of {$2600.00} to National Credit System, XXXX was paid and taken care of even thou treated unfairly and unjustly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ceannate
State: OH

Complaint narrative:
InXX/XX/XXXX, I entered into a payment agreement with FMS to get my defaulted school loans in good standing so that I could return to school. After I made 6 payments, I was offered a financial aid package from XXXX XXXX University, and started at the end of XX/XX/XXXX. 

Mysteriously, the payments that I set up with FMS stopped, at which point I was told my account was being sent back to the Department of Education. After I started classes, by XX/XX/XXXX I received an email from the schools financial aid office that they had received notification that I was in default, so I needed to fill out an in-school deferment form, which I did and sent in to the department of education. I heard nothing after that, but applied for financial aid for the school year XX/XX/XXXX. I was notified by email from the school that I was in default, and therefore not eligible for financial aid. 

Furthermore, they have notified me that they have not received the money from the DOE because I am in default. This means that i have been attending school without any secured funding. 

Additionally, I finally made contact with someone from the Department of Education at the end of XXXX, and she said I was eligible for a loan rehabilitation, but I needed to fill out an Income and Expense worksheet, so I did and sent in. I have made the small payment required since then, but have heard nothing, and we are at the end of XXXX. 

So, I need to know : Why am I still in default, if FMS was accepting my payments for 6 months? 
Why was I offered a financial aid package from XXXX XXXX in the fall of XXXX? 
Why have I not heard anything about my loan being rehabilitated since submitting the required paperwork?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( Transunion, XXXX, and 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 2019-02-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, Equifax, and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and Experian )

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