vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates LLC keeps calling my job hanging up on me. They call and wait until I finish my greeting adding my name at the end and hang up on me. This has been happening for at least a couple of months ( a few times a week ), but I didn't know that they were calling for me at first. On XX/XX/2019 at XXXX XXXX I looked up the company 's name and number out of curiosity and found out that they are a collection agency handling an account I had with XXXX XXXX for a little over {$500.00}. They would not tell me who the original creditor was or give me any other information. I did provide them with my bankruptcy case # XXXX and expressed my complaints and concerns about them harrassing me by repeatedly calling me at work and hanging up on me. I was told by the agent I spoke with that it would not happen again and she apologized. Unfortunately I just received another call around XXXX XXXX today at work and again once I finished my greeting and gave the caller my name they hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XX/XX/XXXX, I filed for bankruptcy. My XXXX  account was one of the accounts I reaffirmed. The monthly statements ceased, but I expected them to return again after the bankruptcy discharge. The discharge was in XX/XX/XXXX. The statements did not return. For most of XX/XX/XXXX, as I would go to the individual branch each month for my payment, the Manager tried his best to find a solution to the problem for me. 
I have never missed a monthly payment throughout this time. However, I have to guess what my payments are, and go to the location to make a payment. Last Fall, I finally learned why my statements are not coming in the mail. I was told after contacting XXXX XXXX at XXXX, that she no longer handles the bankruptcy and for me to contact XXXX XXXX, at XXXX. I had eventually made contact with XXXX XXXX, through email. She informed me the account reaffirmation was never filed. 
I finally spoke with her, and explained I had an email from XXXX XXXX, who said it was. XXXX XXXX said it has to be filed with the courthouse. She said my attorney was supposed to do it. 
I contacted my attorney. They stated the attorney does not file it, the creditor does. And, told me that BBVA Compass has been a creditor in prior bankruptcys they have worked, and BBVA Compass has always filed it at the courts in the past. 
I am attaching communication through the emails. 
I am being discriminated against, retaliated against for a reason I do not know. I simply had a hard time, filed bankruptcy, reaffirmed, and am trying to get on my feet. I simply want BBVA to treat me with the same respect they have treated others, and for them to file my reaffirmation of debt, and send me my monthly statements as before. I am just trying to pay my bill with efficiency and in completion. 
Please help me to find out why BBVA Compass is retaliating and discriminating against me. And help me to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I paid off the remaining balance on my loan on XX/XX/2019 and cancelled my enrollment in autopayment ( which has been going on for years ). NAVIENT processes a payment on XX/XX/2019 for {$270.00} even though the loan balance was zero and the autopayment shows up in the website as stopped. They said it was already scheduled. They then said it would take 30-45 days to refund the over-payment. This is a scam. Everything is run by computers and I checked the balance on XX/XX/2019 and it showed zero and said the load was paid-off, also showed autopayment was cancelled. 
I then told the agent on the phone that they should pay me back interest at the 5.125 % that they charge me to hold my funds. 
Again this is a scam by a large company and the most complained about financial institution in the USA, probably the world. 
If they can withdraw funds from my bank in a single day, then there is not reason why they should not be able to retunr the funds in a single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a dispute with XXXX XXXX in regards to an item on my credit report under Portfolio Recovery that I had no knowledge of. I filed a second dispute on XX/XX/XXXX with XXXX XXXX and on XX/XX/XXXX I filed a complaint with XXXX XXXX XXXX. The account they have on my credit report is for {$1500.00}. I have been trying to communicate with them to remove this item as I did not open an account nor do I have any knowledge of such. If any such account was created someone must have used my information and created and used it without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Risecredit, LLC
State: UT

Complaint narrative:
A fraudulent account/loan was opened in my name by a fraudster with the company called " XXXX ''. The loan is now being reported 30 days late. I contacted the company XXXX, and they said they would email me documents to support the fraud claim, but they never sent the email. When I asked where the proceeds to the loan were sent, they said XXXX Bank, which I never have heard of. This is a fraudulent account, and it needs to be removed from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
my card has been declined for " suspicious '' purchases and they are not able to prevent, or remedy the problem. I've worked with them multiple times and after excessive hold times on each call, it continues and can't seem to be fixed. 

Each time I call it's a different excuse. 

This started in early XXXX of XXXX and has occurred in XXXX, XXXX, XXXX of XXXX, XXXX of XXXX and XX/XX/XXXX. 

The purchases were for the following : 1. Pizza at local Pizza shop. ( 1 block from house ) 2. XXXX XXXX for prescription medicine and household ( 2 miles from home ) 3. Online game service using a virtual card number that was exclusively provided by capital one for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: FL

Complaint narrative:
i checked my report and noticed an account from XXXX XXXX for XXXX still remaining that i paid and was promised it would be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: FL

Complaint narrative:
i checked my report and noticed an account from XXXX XXXX for XXXX still remaining that i paid and was promised it would be deleted.

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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Financial Solutions, LLC
State: FL

Complaint narrative:
I RECEIVED TWO LETTERS in the mail from Accelerated Financial Solutions in regards to debt they claim I owe XXXX XXXX. Account numbers are XXXX AND XXXX. I contacted the collector and was promised that after each debt was settled, they would both be deleted from my report. 
I offered to pay {$650.00} XXXX and {$700.00} for XXXX. They verbally accepted the offer via phone and I am waiting for them to remit a written agreement stating the debt will be deleted via postal mail.

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 2019-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Today I called CashNetUSA, concerning my loan and the interest they are charging me. I called CashNetUSA and spoke with XXXX concerning my situation. I told her I had been a customer since XXXX, never been late, and only have missed one payment my entire time being a customer. The {$450.00} coming out of my check from CashNetUSA bi-weekly, is killing me and would they please consider lowering the interest so that I can afford to pay back this loan. I even asked to not give me borrowing privileges and make arrangements to pay $ XXXX monthly and to pay off the balance of {$3600.00}. XXXX informed me that she appreciated my business and longevity as a customer but the best that she could offer me is -- to skip my payment tomorrow and put it on the back end in four separate payments. To break it down, cancel my payment for XX/XX/XXXX and change the next four bi-weekly payments to {$560.00}. I asked how is that helping me?? She said that CashNetUSA does not lower interest rates under any circumstances nor do they reduce payments. She said their annual interest rate is 299 % yearly! She stated the only way that I could possibly get help is if I was in the Military. I would like to make a complaint under the Predatory Lending and Unfair Credit Practices I feel CashNetUSA targeted myself as a minority, and less educated on the lending process. They also preyed on my also credit situation and problems. I also feel they failed to disclose information and disclosed false information, and practice risk-based pricing and inflated charges and fees. They also misrepresented the true costs, risks and/or appropriateness of my loan terms, and the their changes to the loan terms after the initial offer. I want to pay back this loan and keep my good standing with CashNetUSA however, I am asking the Consumer Protection Board to step in have them settle my account and set up payment arrangements with me on the balance due with no additional interest, fees, or charges to me, or my account with them. I want to pay {$250.00} a month for 14 months with a final payment of {$190.00}. Being a customer since XXXX, CashNetUSA has received their balance plus interest more times than enough from me. I have fulfilled the terms of the agreement and the company repayment structure doesn't allow pay down my balance timely or fairly. The total amount I have paid is more than 3 thousand over the course of time and I am your seeking help to close this matter to protect my credit and well being.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by XXXX and reported by XXXX XXXX XXXX   XXXX  XXXX and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). XXXX XXXX XXXX XXXX is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the XXXX XXXX XXXX XXXX XXXX Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) and XXXX XXXX XXXX XXXX Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from XXXX and or XXXX XXXX XXXX XXXX XXXX  and or XXXX XXXX XXXX XXXX, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX also included is XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  responses to the aforementioned correspondences and this formal complaint letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by Experian and reported by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). XXXX XXXX XXXX XXXX is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the XXXX XXXX XXXX XXXX XXXX Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX Bank )  and XXXX XXXX XXXX XXXX Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from Experian and or XXXX XXXX XXXX  XXXX XXXX and or XXXX XXXX XXXX XXXX, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with Experian, XXXX XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to Experian, XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with Experian, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX also included is Experian, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX responses to the aforementioned correspondences and this formal complaint letter.

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 2019-02-07 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
BarclayCard credit card, who I have a credit card account open with, reported 2 months late payment to my credit bureau XXXX. But I never knew I had a balance and I never received any bills. I called customer support and they could not provide me with details as to why they failed to mail the bill to correct address.

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 2019-02-07 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: MO

Complaint narrative:
Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this 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 2019-02-07 00:00:00
Product: Debt collection — I do not know
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: Trident Asset Management, L.L.C.
State: ND

Complaint narrative:
I keep getting phone calls from a " Trident Asset Management '' debt collection company to payoff a debt or I will be thrown in jail and have all my belongings taken from me. 

Dates of harrassing/threatening phones calls : XX/XX/19 XXXX Central Standard Time , XX/XX/19 XXXX Central Standard Time. I do not know the amount I owe. You are not allowed to pay over the phone or online. 

I am not going to jail. Their contact information : Trident Asst is a  collections company. 

http : //www.tridentasset.com Trident Asset Management XXXX. XXXX XXXX XXXX, GA XXXX Phone : 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 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
well fargo been down for days and can not get my money and pay my bills and they are not giving any answer to no one.

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 2019-02-07 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:
I recently checked my credit report to find that an account that have been proved to be invalid and not mine, was re-added to my Equifax credit report. I have not now or ever opened a loan with XXXX XXXX and in XX/XX/XXXX this account was deleted from my Equifax credit file. Today XX/XX/XXXX XXXX XXXX was added again to my credit file. This is a direct violation of the FCRA as any account that has been deleted, before adding again, Equifax must notify me in writing informing me of the intent of the company to try an add again, and this did not happen. This was a debt that Equifax already investigated and deleted. How are they going to just add it illegally with the hopes that I am not checking my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: TN

Complaint narrative:
To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... Experian XXXX for XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, 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 non-monetary relief