vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Sometime last week a representative from Midland Funding called me to set up a settlement amount from A Debt from XXXX XXXX bank that is not owed By me. His name is XXXX XXXX. He told me to pay the debt by XX/XX/XXXX and I do n't have to worry about it reporting to the credit bureaus and he would have the original XXXX ( XXXX XXXX Bank ) remove the account off my credit report. I then requested him to send me a letter stating that he would do that in writing before i make the payment. On XX/XX/XXXX I received a letter from Midland Funding about the settlement demand but it does n't indicate that the deragatory will be Removed. Today which is XX/XX/XXXX, I received an alert from experian indicating that I owe XXXX from XXXX XXXX bank as a Derogatory collection. This Collection agency not only made a false XXXX but they are reporting the same debt at the original XXXX ( XXXX Bank ) on my credit report which makes it a double Derogatory for the same thing. They did n't keep what was promised to me to make the payment before XX/XX/XXXX. They also informed me that it would not be Removed from my credit report once paid as XXXX of the other represenatives promised me. It is illegal to report inaccurate information on my credit report and treat me unfair like that. This is very damaging to me and my life, my family and is a XXXX of my character. This should n't be On my credit report and should be Removed and I request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
This company outright steals from their customers. I knew going in that the interest rate was predatory but also knew I was going to make extra payments and pay it off as soon as possible. First off, they make it as hard as humanly possible to make extra payments. They say you can do it online but you ca n't. Their website is always having " technical difficulties ''. I did manage to finally make additional principal payments and when it came time for my final payment to come out my balance was less than {$50.00} and yet they deducted my usual full loan payment of {$110.00} out of my account. I spent close to an hour on the phone with them, part of which included a 3-way call with my bank to confirm the amount removed from my account which they did. Even after all that they would n't give me my money back. They said they were going to " escalate the matter '' and call me back but never did. They are stealing from people with emergencies. They are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: MD

Complaint narrative:
I have one credit card account with XXXX XXXX XXXX. At this present time they is a duplicate account on my Equifax Credit Report. I have disputed thus account in the past and it was removed from my report, but at this present time it appears on my Equifax credit report rwice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I am in a loan modification trial that was approved by XXXX XXXX not Seterus ( the servicer ). I am receiving statements that my loan is behind and the payment I made on XXXX is being held in a suspense acct. So now I am going to show late on my credit report which should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of Navient Solutions . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD NAVIENT LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND NAVIENT REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. Navient is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of Navients failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with Equifax on XXXXXXXX. Equifax confirmation # XXXX. The disputed was filed against XXXX account # XXXX and XXXX account # XXXX. I clearly stated in my dispute that I have never had a medical bill with the original creditor XXXX XXXX XXXX XXXX. I submitted over a copy of my complete medical insurance information for the months and day in questioned. On XXXX XXXX responded back to my dispute and verified that all information attached to this account is correct. They lied. The name XXXX  has on file is XXXX XXXX and that is not my name, the address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, NV and I have never lived at that address. I contacted XXXX XXXXXXXX XXXX. They provided me a copy of the bill in questioned. The original account # XXXX, statement date XXXXXXXX, amount due {$0.00}. This came direct from XXXX XXXX XXXX billing portal. I was also informed that they are not trying to collect on this bill. They adjusted the bill due to fraud so the amount due is XXXX. I provided both XXXX and Equifax this information and XXXX  is still trying to fraudulently collect on a paid bill. Equifax has not properly investigated my dispute and they are allowing a company to validate a debt that has multiple inconsistencies. Equifax has allowed XXXX to reconfirm erroneous information reported by them on my credit file. I have attached a copy of the paid bill showing a zero balance with the matching account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank will not allow us to redeem points earned on our Wells Fargo VISA card without first opening an on-line checking 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 2017-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I received an Invoice from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, PHONE XXXX XXXX XXXX, FAX XXXX XXXX XXXX with the invoice number XXXX on the XX/XX/XXXX, in respect of shipping XXXX XXXX XXXX to XXXX XXXX and the amount due for the shipment is {$2800.00}. The banking detail information shown on the invoice is SUNTRUST BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX. XXXX, ROUTING XXXX, BENEFICIARY NAME. XXXX XXXX XXXX. On XX/XX/XXXX at about XXXX I went to SUNTRUST BANK located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX and made a cash deposit of {$2800.00} into the account information above. On calling XXXX XXXX XXXX XXXX for the confirmation of my payments, it was cleared that the invoice send to me via email has been hacked and the banking information modified. I quickly rushed back to SUNTRUST bank about this circumstances. After series of telephone conversations by the cashier who received the money from me, I was asked to come the next day which I did and nothing significant came up and I was asked to come the next day again which I did and it was that day, they said I should go to the Police for compliant. I went to the Police nearest to the bank, the officer at the counter said for the fact the I am residing in the county it 's the duty of the county police. I went to XXXX county police department and laid my complain. And this is the incident report number XXXX. I took the report to SUNTRUST bank with the hope that the report will oblige them to let me have my money back. They simply told me that they do not have the power to refund that money back to me. 
XXXX XXXX XXXX XXXX denied knowing the account information on that invoice that was send to me via their email. Please, kindly use your good office to intervene for me to enable me get my money. I have the deposit slip with me and the invoices from XXXX 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 explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Amerifinance, Inc.
State: FL

Complaint narrative:
This company 's employees are extremely rude and disrespectful and do n't even offer grace periods or deferments after Hurricane Irma I recently took my car loan out with this company. Since then, about almost 2 weeks, we experienced Hurrican Irma and public schools and most businesses were closed due to electrical issues which took the electric company almost until a couple days ago to have the whole county at 100 % again. Due to the closings, I was forced to pay a lot of money for additional childcare costs, food expenses and I lost some days of work which I was not paid for. I called on today 's date at about XXXX because I was a little worried that I would not be unable to pay my next car payment on full and on time. When I called I was greeted by a XXXX who presented herself as a " recovery manager ''. I explained my situation and my concern and the first question she could ask me was that if I could maybe manage to " play '' around with my other bills, ask for extensions. I was shocked. She then explained to me that my loan was not a conventional loan, my loan had no such things as a grace period or deferment options. After expressing my shock not only of the inconsideration on their behalf even with the natural disaster but also with her tone of ridicule she stated that maybe I need to refinance with another company. She even stated I maybe needed to apply for XXXX assistance and unemployment to help pay my car note. I was already flabbergasted enough let alone not ready for the next thing to come out of her mouth which was " you see a regular loan has better customer service ''. I am appalled and disgusted with this company and the cold halfheartedness of their employees. This company preys on individuals who have low credit scores and their practices should be monitored and controlled. Their employees require much better training and coaching. I called back the company to get the " managers '' name I spoke with earlier all she can tell me was XXXX and stated " Report me i do n't care, the answer remains the same you need to make your payment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over the summer, I had two packages of " beauty serum '' mailed to my house using a name very similar to mine. The envelopes had no return address and the packing slip had only a phone number that no one answered. They also began charging my credit card {$89.00}, XXXX, and then XXXX. I disputed the charges. My credit card disagreed and said not only was I liable for the charges, they would not stop these fraudulent charges on my account unless I closed the account. My credit card company also informed that they could not tell me any information on the company charging my card. Eventually, my credit card company sent me the address of the fraudulent company, and I returned all of the merchandise to them via certified mail. I then asked my credit card company for a refund, and they told me I am liable for all charges because I did not return the merchandise in a timely matter. I had to close this credit card to prevent any more charges, hence closing an account I had open for over 17 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX credit card charge off with the last activity date ofXX/XX/XXXX. Portfolio Recovery Associates, a junk debt collection company purchased this charge off in XXXX and have reaged it to reflect XXXX and XX/XX/XXXX instead ofXX/XX/XXXX. The following is listed on my credit reports : XXXX - Date Assigned (XX/XX/XXXX ) XXXX - Date Assigned (XX/XX/XXXX ) Portfolio attempted to sue me and I got an attorney and the lawsuit was dismissed, however, they continue to list the XXXX reaged account on my credit reports and respond to the credit bureaus that the dispute has been resolved. 

I am requesting that this XXXX reaged Portfolio Recovery Associates collection account that has been reporting on my XXXX and XXXX credit reports since XXXX to be removed/deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened a free checking account through PNC 's virtual wallet program. A couple months later I was informed via E-mail that my account was overdrawn do to a calculated service charge. I have been charged now 3 times in the amount of {$7.00} per month. I never agreed to the terms of this fee or have been informed in any way. After researching the matter it is my understanding that my bank has the right to change its policies. To do so however, the account holder must be notified at least 30 days in writting of changes. I have recieved nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On my credit report with Experian, they are continuing to show accounts that have been proven not to be mine. An Account with XXXX XXXX listed as a Charge Off. I 've repeatly told them, the account is NOT MINE! XXXX and XXXX have both removed this charge off account from my report after being deemed that it is a fraudulent account. 

They are also showing a Public record from XXXX County Illinois that I 've researched on my own, spoken to the actual courts and they can not find anything, I 'll attach a screen shot with proof proving the account is not mine. 

I have submitted police report to the agency and they are still allowing my credit to be ran fraudulently, I now have numerous credit inquiries from various lenders that I did n't authorize. I have n't had my credit ran since XXXX of 2016 so anything after that, are fraudulent and should be removed. I have a credit fraud alert on my reports and it 's not stopping them from being ran. I finally asked for. Credit freeze today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been working diligently with Select Portfolio Servicing to preserve my home since XX/XX/XXXX. I applied for the request for mortgage assistance ( RMA ) on XX/XX/XXXX. The process was 3  months, and I was denied the RMA. At one point, I waited for over three weeks to get a response from my relationship manager, XXXX XXXX ( **email dated XX/XX/XXXX ). I work closely and regularly with XXXX ( **emails titled My email Correspondence XX/XX/XXXX- XX/XX/XXXX ). The emails will show my due diligence and the lack of communication from SPS, to genuinely assist me in preserving my home. At the same time, I was receiving a barrage of mailings daily from SPS ( **email dated XX/XX/XXXX ). I sent an email to XXXX stating this was redundant, causing confusion, and stress with no response from her. In addition, I sent an email ( **dated XX/XX/XXXX ) asking about these erroneous charges to my mortgage account. I sent an email ( ** dated XX/XX/XXXX ) asking why a {$100.00} pyt. I made in XX/XX/XXXX was not applied to my mortgage and why there was a {$15.00} fee, and XXXX explained the fee is for a drive by. They are aware I am living at the property. I sent email ( **dated XX/XX/XXXX ), because I did not receive a scheduled call from XXXX . I received two mailings ( **XX/XX/XXXX & XX/XX/XXXX ) and a call about an outreach event in XXXX XXXX . I informed the caller, my RMA was denied in XX/XX/XXXX. I received a certified letter from SPS ( **XX/XX/XXXX ). I have returned every message/call I received promptly. I emailed XXXX ( **XX/XX/XXXX ) about harassing phone calls ( XX/XX/XXXX & XX/XX/XXXX ) about my account being in default. I informed the SPS Rep. that I have been in close contact with XXXX. I sent an ( **email on XX/XX/XXXX ), questioning why my {$600.00} pyt. was not applied to my XXXX statement. I received another call ( **XX/XX/XXXX, XXXX XXXX ) after I filed a complaint regarding these calls. I informed the Rep ( XXXX ) I was working with XXXX. The Rep informed me, my acct. was on auto dial And, If I remove my number, there wouldnt be able to contact me. She questioned me about my intentions for the property. In addition, I have received three SPS letters ** ( Add Date ) The {$600.00} and {$300.00} payments were not automatically applied to my XXXX and XXXX payments on my Mortgage Statement ( ** XX/XX/XXXX ), as I was informed by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of XXXX XXXX . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD XXXX LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND XXXX REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. XXXX is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of XXXX failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: AL

Complaint narrative:
XX/XX/XXXX I noticed a inquiry from a company by the name of XXXX. I called XXXX and they confirmed that I do n't have any information in their files from XXXX at all so they are unsure why Transunion is reporting that inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked for a credit freeze with Experian. However, anyone can recover my PIN : https : 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