vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
After several phone calls and emails, I found that I was lied to by a staff member that told me to make a higher offer to settle my account. When I spoke with the manager, I was told that they do not accept pay offs and the only reduction I would see would be a couple hundred of dollars off the interest. I was told I needed to make a {$1000.00} deposit and then have payments of over $ 350/mo to pay off the balance. I am ( like most of their clients ) not able to pay {$350.00} a month after putting down such a huge deposit. I want to reasonable payments of $ 100-150/mo. This company does not respond to any emails, though they direct you to send emails to make offers and this company does not even accept offers for pay off, in other words, they run you around wasting your time whilst adding more interest every day. 

I sent this letter to XXXX : I am enclosing a payment of {$200.00} toward the balance on my account. I was informed ( incorrectly ) that you accept payoff offers, and made and offer of {$1800.00} ( the highest I can go is {$2200.00} as this balance will be moved to a credit card ) and that offer was declined XX/XX/2018. 

I will sending a copy of this letter to XXXX to let them know that I am attempting to resolve this issue by either making a payoff or setting up reasonable payments ( $ 100-150/mo ) in the attempts to settle this issue. I have also opened a case with XXXX since I believe that I was seriously mislead by one of the employees, and this can be confirmed by listening to the recording of the conversation. 
My intent is to settle this account, as my debt counselor advised me that having this account in collections is negatively effecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 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: NY

Complaint narrative:
this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit -  Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments

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 2018-03-09 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: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX has falsely reported to all credit bureaus that a HELOC that I had with them was foreclosed upon in XXXX. This loan was never foreclosed upon and I paid it off in full in XXXX of XXXX. I have the payoff confirmation letter from them. 

This has caused severe and irreparable financial and emotional damage. I can not even get a home loan because of this egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: NY

Complaint narrative:
I finally paid off my perkins loan through ACS in 2017. ACS sent me an email that my tax form is available online only. I go to sign in to retrieve the form and I learn that ACS is now managed by Conduent. 

Every time I try to sign in it says the site is currently unavailable for the past month. So I try to reset password and it says I do not have an account there. Then I try to register and it says I have an account already. 

I try to call their customer care center and it is just an automated service with only ONE option - to hear your account summary. But they can not find the account. 

I try to email them, but it just says " Thank you for your feedback '' and no response for weeks. 

I want my tax form for this loan I finally paid off! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I entered the XXXX XXXX XXXX XXXX on XXXX XX/XX/2017. At that date, I had a balance of {$24000.00} on my Wells Fargo ( WF ) Visa credit card. At the time of entering XXXX XXXX under Title 10 of the U.S.C., I provided WF with a copy of my Orders. WF acknowledged receipt of these Orders for my checking and mortgage account, but after nine months have still not applied the SCRA benefits to my credit card, which oddly enough is the only account that stands to benefit from the SCRA 's protections. I contacted WF about the incorrect interest rate in XXXX and again provided them with a copy of my Orders because they " never received them, '' even though they could see that my checking and mortgage accounts had the SCRA protections on them. WF now acknowledges via telephone that they have all of the needed documents, but are " still processing my request. '' As of this writing, they have been " processing the request '' for a month and a half. Since entering XXXX XXXX, I have not used this Visa card for any purchases, so all interest accrued on this card should have been capped at the statutory cap of 6 % rather than the previous 12.75 %.

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 2018-03-09 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: NJ

Complaint narrative:
I notified TransUnion Credit Bureau several times letting them know that my name was spelled incorrectly. My name is XXXX XXXX, XXXX. They keep showing in their system ( XXXX XXXX, XXXX ) I've sent them a copy of my driver 's license, social security card and a utility bill. I have never applied for credit under any other name. As of today they still don't want to correct my credit report. 

I also sent them a letter requesting that they sent me a copy of my signed authorizations for the recent credit inquiries. They sent me a letter back telling me that my signed authorization is not required in order for them to release a credit report.

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 2018-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XX/XX/2018, I received at XXXX XXXX cst I received a phone call from XXXX XXXX at XXXX. I was at work so when answering the call it took me some time to get up from my desk before I spoke. The initial things stated among answering the phone was Hi, My name is XXXX XXXX with XXXX XXXX trying to contact XXXX XXXX. Initially when hearing that I went into alarm. I kept asking who is this with what company and he stated that he would need to verify some information first. I stated no I would need to know with whom am I speaking. XXXX then stated he was with XXXX XXXX XXXX for Ace Cash Express. I then stated hey XXXX you know you can not represent your self when contacting someone and discontinued call. I refuse to disclose information to any one falsely identifying themselves to me. Later that same hour I attempted to call back in hopes that I can at least obtain a company name. Nope! Not to my surprise it went directly to a busy signal the first time. Second attempt went to a voicemail where XXXX just stated XXXX XXXX. And then a third time he answered I disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
I contacted all three credit bureaus regarding unverified debt appearing on my credit report. I sent a individual letters to each bureau asking for verification of debt regarding my credit report and score. On XX/XX/2017 I sent these letters with certified mail and the letters were received by each bureau. The letters simply stated that this debt verified and proof of documentation to be presented within 30 days. If not simply stated the following : Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX has yet to remove this debt from my credit reports which is adversly affecting my credit score and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I contacted all three credit bureaus regarding unverified debt appearing on my credit report. I sent a individual letters to each bureau asking for verification of debt regarding my credit report and score. On XX/XX/2017 I sent these letters with certified mail and the letters were received by each bureau. The letters simply stated that this debt verified and proof of documentation to be presented within 30 days. If not simply stated the following : Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX has yet to remove this debt from my credit reports which is adversly affecting my credit score and credit worthiness.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
A company called Diversified Consultants has called my cell phone 3 times in the past 3 days. I have not answered but have back-traced the calls. They are a debt collection service. I have no debt of any kind - I own my house, cars, etc and have for many years without loans or mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 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: NY

Complaint narrative:
this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments

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 2018-03-09 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: NY

Complaint narrative:
this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account   Original Creditor XXXX Company Sold-to - Original Amount {$440.00} Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has made it impossible to cancel my monthly membership. They only possible solution they offer is calling their service number, and you are placed on hold for hours and Ive never been been extended the courtesy of speaking with anyone. This entire process is clearly and maliciously engineered to hold the customer hostage for an unwanted monthly payment. Its extortion and Experian should be held accountable for their illegal business practices.

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 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA 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
Consumer complaint received 2018-03-09 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: FL

Complaint narrative:
while checking my recent credit report. I noticed credit inquiries that I did not authorizes made by the following companies. XXXX XXXX XXXX office locator at XXXX XXXX XXXX XXXX IL XXXX. I  contact XXXX XXXX and they state that they do not pull credit. I had notify Experian about this transaction they fell to removal it from the credit file. it was als o on my XXXX report but went I notify then they removal with no question and send me a Letter of removal. this a violation of the fair credit reporting act section 1681b ( c ) and a serious beach of my privacy.

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 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the West of XXXX ( see Receipt # 1 ) On XX/XX/XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by those Agencies : A.- XXXX XXXX XXXX B.- RECEIVABLES PERFORMANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX, WA XXXX PH : XXXX PH : XXXX and the last report was on XX/XX/XXXX. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX  receipt cc.

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 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA 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
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 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: Concord Servicing Corporation
State: GA

Complaint narrative:
I pulled my credit report from XXXX. XXXX XXXX XXXX is showing inaccurate information for timeshare maintenance fees. There is no account number on the report and the amount owed is questionable. Upon my research, I also found out that the creditor must report both positive and negative information. This report clearly does not.

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