vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
The collection agency Overton, Russell, Doerr and Donovan put a Garnishment on my Social Security Benefits using a court papers dated XX/XX/XXXX which I was never served any papers to go to court. The 7 years Statue of Limitations expired on XX/XX/XXXX, This medical debt was supposedly incurred in XXXX, that is 10 years ago. I have always had health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GMA Investments, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I applied and received {$600.00} payday loan by a company known as XXXX XXXX XXXX. In XX/XX/XXXX payments withdrew on paydays for {$190.00}, then 2 payments in XXXX for {$190.00}, It became overwhelming to repay and remaining payments were returned by my banking institution. I was contacted in XX/XX/XXXX by XXXX XXXX   stating they had a check they were investigating and threatening legal action. I returned the call and agreed to three payments of {$500.00}. The first two went through and then I was advised not to pay them anymore due to certain rules for payday loans and the amount of interest they can charge the consumer. Today, XX/XX/XXXX they called my work and spoke with a coworker and requested to verify employment but then also stated to my coworker that they were investigating a check. I was so embarrassed when my coworker approached me with the message. I was under the impression they can not discuss any of that with employers. I called their number tonight and requested a recorded line and stated they are no longer to contact me at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
I referred a friend of mine to apply for AMEX SPG personal and business card in XX/XX/2017 for a referal bonus of XXXX spg points each. Since then, I still haven't gotten the bonus. Tried to work with Amex several times and cases were established. Still haven't gotten the points after 9 months and several hours on the phone. Amex admitted that they had problem of not registering bonus referrals for several months during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Per XXXX XXXX  and the records.. The XXXX account did bot contain any of my personal information except the Social Security number was off by one digit which allowed my social security number to be on the account. XXXX has corrected the Social Security number on the account and the account should be removed from my credit within 30 days. But the collection agency is refusing to deleted from my credit even thout I provided a letter from XXXX XXXX  stating that this is not my account. XXXX XXXX keep reporting it the XXXX and all of the credit bureaus. I tried to explained to them that this is not my account they confirmed that they have the letter I submitted to them on XX/XX/2018 from XXXX clearing my name and social security but, they are mean and rude and won't deleted from my credit. I'm in the process of buying a house and this is affecting me big time. XXXX XXXX XXXX last reported it to my credit on XX/XX/2018 after knowing that is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
On Yesterday, XX/XX/2018, I updated my XXXX XXXX to see my score dropped 25 points because of a {$300.00} collection that I have no knowledge of from a company called Midwest Recovery systems. The original creditor company name is 12 XXXX XXXX. I do not know who that is nor do I have any type of contractual agreement with either company and feel this is fraudulent and predatory practices by these companies. 

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NE

Complaint narrative:
I am getting calls for a previous tenant at my apartment regarding a debt collection. However, my phone number is from my previous address, and previous address before that, for more than 20 years. Whoever this person is that used to live here, she never knew my phone number, and she never could possibly have given it for any purpose to anyone. The collection agency has been hounding me for the better part of the last decade to pay for this girls debt. Obviously my own debts, which are now paid, have my telephone number as a mark for low life debt collectors who see dollar signs next to my name. These bottom feeders belong in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Nelnet, Inc.
State: MA

Complaint narrative:
On XX/XX/2018, I went on my online Nelnet account to check up on my student loans and the interest that is accruing on them. I am on a REPAY plan and I frequently check the amounts and pay the interest amount at least once per year in order to stop the interest from becoming capitalized. I noticed that some of my loans had listed that some interest had capitalized. I called Nelnet the same day I noticed the capitalized interest listed to find out when and why it had happened. I was told that interest capitalizes when payment plans change but had to repeatedly ask for when the interest was capitalized. I was incorrectly told that in XXXX my loan payment was changed to REPAY ; it was, in fact, not changed it was renewed and as stated in the renewal application would not cause capitalization of unpaid interest. After asking a number of times I was then told that interest capitalization had occurred when my student loans exited the six month grace period after graduation. I had made a payment before the end of the grace period in order to avoid capitalization and mentioned that to the customer service representative. I asked for how my payment was allocated to the loans and was told that some of the payment was allocated to interest then principle balances and some of the payment was allocated to principle balances despite the fact that the payment was sufficient to cover the interest of all of the loans. I asked why that had happened and waited a significant amount of time on hold to be told that it was, in fact, mis-allocated and the payment should have gone to all interest before paying any principle balances. I was told that I can reallocate this payment to cover the interest but because the mis-allocation had taken place close to a year and a half ago that all payments would then be affected and my loans could become delinquent. I am worried this is could be intentional to cause capitalization of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX placed a item on my credit report with a balance of XXXX this account was incorrectly reported. The account has been paid .And has a XXXX  balance but it should have been placed on my daughter 's credit report not mine. I never used XXXX XXXX XXXX XXXXXXXX this account was opened in Alabama. My daughter apparently put me on her account if I need towing service. But this account was not opened in my name. My daughter advised me she paid it. But the company placed on my credit file instead of my daughter. I have resided in Nevada since 2012 see attached.

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 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I received " Collection Notice letters, from a collection agency. One from the original creditor : XXXX XXXX XXXX, XXXX and the other from XXXX XXXX XXXX Neither name I am familiar with. The debt had been sold to XXXX XXXX XXXX. After checking the license/bonding in the state of Florida, XXXX XXXX XXXX does not appear " Active '' on any list. This is the name on both of the letters they sent attempting to collect a debt. However once I checked on the XXXX  site and rechecked licensing, I noted that the address is the same on a company called XXXX XXXX XXXX. Although both share the same acronym, the two names are not the same. Perhaps they are using a fake company name? I'm not sure. However I do know the names must be the same AND actively licensed/bonded to legally collect, or attempt to collect a debt, in my state.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: CA

Complaint narrative:
XX/XX/XXXX Complaint Against XXXX and Transunion for the past 10 months have been requesting to dispute unknon inquiries. When I lifted my credit freeze in XX/XX/XXXX and thereafter ( XXXX, XXXX ), at least 10 inquiries from companies, banks and loan servicing entities that I had not applied for credit from and I had not filled-out any type loan application in person or online.Complaint- XXXX and Transunion refused to allow me to dispute the unknown and inquiries that I had no knowledge as to why they pulled my credit without my permission : banks, credit unions, and loan servicing companies. I had not applied for credit with these entities in my dispute or given them approval to run my credit at all. XXXX and Transunion refused to allow me to dispute these unknown inquiries would not even bother to investigate this inquiries as requested. Complaint Against XXXX  and Transunion for the past 9 months as they have not allowed me to dispute unknown inquiries as follows : 1. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 2. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 3. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 4. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 5. XXXX XXXX, inquiry XX/XX/XXXX, not my approval 6. XXXX, inquiry XX/XX/XXXX, not my approval 7. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 8. XXXX XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 9. XXXX, XXXX, inquiry XX/XX/XXXX, not my approval 10. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXXnot my approval

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 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA
State: GA

Complaint narrative:
There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: DISCOVER BANK
State: CA

Complaint narrative:
I have tried to dispute an account with Discover bank in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
In response to a letter from American Express hardship program, I made multiple payments on time and more for the amount owed. Amex sent me a collection letter stating that I haven't paid based on the agreement. This is not a true statement. I have proof that I have paid on time since being in the hardship program. Amex will not return my calls and states that is now in collection. I have tried to handle the dispute with American Express but they refuse to work with me regarding the mistake in there credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Dates on credit report are wrong. They do not provide a delinquency date which has re-aged the account. 
" Section 623 ( a ) ( 5 ) requires a creditor that reports a chargeoff to a CRA to notify the agency ( within 90 days of reporting the account ) of " the month and year of the commencement of the delinquency that immediately preceded '' the chargeoff. Section 605 ( a ) ( 4 ) provides that the credit bureau may report the chargeoff for seven years. Section 605 ( c ) ( 1 ) provides that seven year period begins 180 days from that date. '' There is no report last delinquency date. 
They have also changed the date of when the account was opened. I do not have an account with Portfolio Recovery and I did not open an account with them in 2014. 

They are in violation, creditors and debt collectors are responsible for reporting information to the bureaus that will them update the DLA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have a XXXXXXXX XXXX Store Credit Card where I make minimum payments of about {$32.00}. I recently have gone through financial hardship and I have been late on making a few payments. Was 30 days past due for the month of XX/XX/XXXX and XX/XX/XXXX, 60 days past due for XX/XX/XXXX. Called XXXXXXXX XXXX to see if they can wave a payment but at the time said it was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: SC

Complaint narrative:
I called credit bureaus to dispute inquiries and they said I need to contact companies. I dont know companies and did not apply for credit

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 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Per XXXX XXXX and the records.. The Walmart account did bot contain any of my personal information except the Social Security number was off by one digit which allowed my social security number to be on the account. Synchrony has corrected the Social Security number on the account and the account should be removed from my credit within 30 days. But the collection agency is refusing to deleted from my credit even thout I provided a letter from Synchrony bank stating that this is not my account. XXXX XXXX keep reporting it the XXXX and all of the credit bureaus. I tried to explained to them that this is not my account they confirmed that they have the letter I submitted to them on XX/XX/2018 from Synchrony clearing my name and social security but, they are mean and rude and won't deleted from my credit. I'm in the process of buying a house and this is affecting me big time. XXXX XXXX XXXX last reported it to my credit on XX/XX/2018 after knowing that is not my account.

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 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXXXXXX XXXX XXXX placed a item on my credit report with a balance of XXXX this account was incorrectly reported. The account has been paid .And has a XXXX balance but it should have been placed on my daughter 's credit report not mine. I never used XXXX XXXX XXXX XXXXXXXX this account was opened in Alabama. My daughter apparently put me on her account if I need towing service. But this account was not opened in my name. My daughter advised me she paid it. But the company placed on my credit file instead of my daughter. I have resided in Nevada since 2012 see attached.

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 2018-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was paying Navient mounthly. all of a sudden they no longer contract me for payment ; that was 2 years ago. Then XX/XX/2018 I recieved a bill from XXXX XXXX XXXX XXXX. Which is a collection agency. I had prior notification that the loan was bring sent to XXXX. When I called Nevient, they new nothing about XXXX. they gave me a phone number that was for account information. when i call them they informed me that the account was sent there. I ask them why i never recieved a notice.and why I wasn't informed about the account bring sent to collection and why it took tab

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My son has tried to cancel his TransUnion membership he accidentally signed up for for 4 months now and they will not stop taking XXXX out of his account. What can we do

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 2018-07-19 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: SC

Complaint narrative:
I called credit bureaus to dispute inquiries and they said I need to contact companies. I dont know companies and did not apply for credit

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 2018-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Friday around noon I called to make a payment on my mortgage of {$1000.00} as I can not do any payments yet online they report and cant do them in the branch as they have not sent me some special coupon nor closing day copy of the mortgage from the XXXX of LAST month. 

The {$1000.00} came out of checking and not into the balance that interest is collecting on. Nor on the balance that is due by end of the month that is now being told to pay up. 

Where is the {$1000.00} that was in my Huntington checking to my Huntington mortgage!?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: CA

Complaint narrative:
I XXXX XXXX received a letter by the Federal Trade Commission stating that Ameritech Financial is a fraud and has been taking money away from me and none of the payments have gone to my student loaner. I am frustrated because I been a costumer for a very long time now. I gave them my personal information and am scared they will use it.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-19 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: Lending Club Corp
State: CA

Complaint narrative:
I have tried to dispute an account with Lending Club corporation in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.

Company response to consumer: Closed with explanation