vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been disputing an account XXXX XXXX that Equifax as on my credit report. This account does not belong to me. Ive requested for the last two years that Equifax send me proof that this is my debt but they still have not done so. XXXX XXXX does not handle my student loans. Ive spoken to a representative at XXXX XXXX which is now known as XXXX XXXX that informed me that I do not have an account with them. So which company is Equifax reaching out to, to attain there verification of this debt? According to the Fair credit report act, credit bureaus are to provide proof when a debt is listed as verified and Equifax as failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
to whom it may concern : Under federal law any collection company must posses : ,a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. 
Please remove this report from my credit or I will pursue monetary retribution. 
Thank you for you quick responds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: Credit Karma, LLC
State: NE

Complaint narrative:
Credit Karma refuses to update information on credit file # XXXX and # XXXX We have 2 mortgages. The house mortgage is not listed since 2016 after Bankruptcy.

Main resident not included. Does not show active on Credit Karma. Why? Balance owing {$58000.00} XXXXXXXX XXXX XXXX also with XXXX XXXX XXXX a remodeling loan balance of {$9700.00} balance. STILL OWING ON BOTH LOANS AND CURRENT. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
XXXX XXXX, the lender in question, claims that I applied for and received a loan in the amount of {$300.00}, ( {$250.00} plus {$45.00} finance charge ). I have applied and received loans from XXXX XXXX in the past few years, and never had any problems at all, until now. I don't understand what happened. I took out a loan from them back in XX/XX/XXXX, to be repaid by my bank, XXXX XXXX XXXX on XX/XX/XXXX. As you can see in the enclosed bank statement, ( highlighted in yellow ), XXXX XXXX debited my account in the amount of {$300.00} as agreed, on XX/XX/XXXX. It was the way XXXX XXXX and I conducted business ; I applied for {$250.00} loan, and they would debit my account on the 3rd day of the following month, period. I never had any issues with regards to not paying my loans with them. 
The loan I took out in XXXX was the last loan I obtained from them. No other loans were taken out. I attempted to take out more loans back in XX/XX/XXXX,  but they denied my requests stating that a loan was " not paid '', and that I had an outstanding balance of {$300.00} which had to be paid right away. I had no idea what they were referring to. I tried talking to them, to their manager at the store location, but they told me that the loan had to be repaid. I still do not understand what happened here, or why they're claiming that I owe such alleged loan. I have inquired with my bank, XXXX XXXX XXXX, to see if maybe I overlooked something, but they have had not " requests for payment ( s ) from XXXX XXXX   since the last payment was debited on XX/XX/XXXX. NO REQUESTS WHATSOEVER from XXXX XXXX. If I had in fact, taken out any loan ( s ), I'm sure XXXX XXXX would have had no problem debiting my bank account. At this point I do not know what to make of this matter. I am assuming that someone at the store location with XXXX XXXX made a mistake, because I have not taken a loan since the date above mentioned. One more thing, the name of the XXXX XXXX representative who signed the alleged contract at the alleged time of the loan, I do not recognize, since I remember most of the clerks ' names at this particular store location.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.

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 2018-06-18 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: AL

Complaint narrative:
I noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.

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 2018-06-18 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: CA

Complaint narrative:
I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX Mortgage. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( Trans Union, XXXX, and XXXX ). 
The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
If I have misinterpreted this statue, please advise.

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 2018-06-18 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 have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX Mortgage. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( XXXX XXXX, Equifax, and XXXX ).

The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

If I have misinterpreted this statue, please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: ECMC GROUP, INC.
State: AZ

Complaint narrative:
Was ill for many years. 
taxes were filed again me originally in the State of XXXX since XX/XX/XXXX State of XXXX  sold rights off to this account to a collection agent to date in XX/XX/XXXX ; this collection agency has taken payments each month in the amount of {$1800.00} per month for 9 payments.

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 2018-06-18 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I have paid for an account in my name that I believe does not actually belong to myself. 
This account was with Jarad Gallery of Jeweler. This was in XX/XX/2013. I do not believe this was my account but an account taken out by my fiane at the time. Nevertheless this account was paid in full and on time to the best of my knowledge. I have tried for 5 years to have this error removed from my credit report and Jarad refuse to remove the 30 day late payment. 
This has negatively affected my credit and I am unable to obtain a mortgage due to the error on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
XX/XX/18 : was notified of a collection. when notified i was informed i would need to make payment right away or they would take legal action right away. when i notified i wasnt paying them the person on the phone became aggravated and wanted to use scare tactics like going to court and paying legal and lawyer fees then hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I obtained a HELOC account with bank of America for emergency reasons. For the past several years I have borrowed and paid off account on several occasions using information on B of A online banking screen without any problems. I make payments through instant transfer between my accounts at B OF A. On XX/XX/XXXX I made a payment on amount owed of XXXX since then the account shows XXXX balance. Today I noticed an account notice for my HELOC account which indicated the following. 
Payment due by XX/XX/XXXX {$56.00} Past Due amount XXXX late charges XXXX Estimated Payoff XXXX XXXX. If my account reads XXXX balance and no payment is requested how I'm I suppose to know I need to make payment. 
2. If I made a payment of XXXX ( full amount ) 0n XX/XX/XXXX, how can I possibly be late on payment XX/XX/XXXX. 
3. How can I possibly ever pay this off with all this silly and charges and estimated pay offs if every time I think I paid off account hidden charges appear. 
4 Why I never had this problem before paying the balance on my HELOC account the exact same way I did in XX/XX/XXXX. 
I want CFPB to help me get this account paid off as I see no way I can ever pay it off.

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 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
first phone call was on XX/XX/18 and now XX/XX/18 and no letter to inform me of the debt or the fact that i can dispute it or ask for validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a negative credit reporting about a collection account that National Credit Adjusters reported to the credit reporting agencies. I have never received any information pertaining to this account from NCA, nor had NCA every contacted me about the account. On XX/XX/XXXX, I submitted my first debt validation dispute to National Credit Adjusters ( NCA ), XXXX XXXX XXXX XXXX, XXXX, KS XXXX. NCA received my dispute on XX/XX/XXXX ( See Attachment Exhibit # 1 ). NCA responded to my dispute via a letter stating that they received my dispute ( See AttachmenXXXX Exhibit # 2 ) and would investigate it. More than 45 days lapsed and NCA did not provided the requested information outlined in my initial debt validation letter, however, NCA has continuously reported negative information to XXXX, XXXX, and XXXX. NCA has gone as far as notifying the credit reporting agencies that it has validated the account. Upon learning this from the credit reporting agencies, I requested XXXX, XXXX, and XXXX  to provide me with what NCA provided to its company that validated this account, however, each credit reporting agency instead re-started a re-investigation dispute. In an attempt to validate this account, I again submitted a follow-up letter to NCA requesting the information pertained in my initial request, and informed NCA that the information was to be provided within 10 business days from receipt of my second request ( See Attachment Exhibits # 4A and # 4B ), and further explained in the letter that it is a violation of my rights if the company fails to properly validate the account while continuing to report negative information. NCA received this second request on XX/XX/XXXX ( See Attachment Exhibit # 3 ). To date of XX/XX/XXXX, NCA has disregarded my initial request and my follow-up request to properly validate this account, but continues to report negative information about this account to XXXX, XXXX, and XXXX. More than enough time has elapsed for NCA to properly validate this account. The only option now is to ensure my consumer rights are protected in accordance with the FCRA, FCBA, and FDCPA. I hereby demand that NCA stop all negative reporting of this account to the credit bureaus, to remove all negative reporting to the credit bureaus, and issue me a letter confirming its intentions to stop and remove the negative reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I request twice debt validation to Aldridge Pite Haan LLP but I did not proper answer but they want to be get paid {$1100.00}. ( Attachment )

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 2018-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ID

Complaint narrative:
I have submitted multiple Public Service Loan Forgiveness certification forms over the years, and have received a letter back indicating that my payments were counting toward PSLF eligibility. However, when I finally made it through all 120 payments and should have been eligible for forgiveness, I was told by XXXX that, in fact, my repayment plan does not qualify for PSLF, and that I'll need to select a new repayment plan and start over on those 120 payments. This is shocking and devastating news, and I feel like I was misled here tremendously. I feel like I'm being denied loan forgiveness based on a technicality that I wasn't even made aware of. I've stayed in public service all these years, accepting lesser pay, believing that at least I'd get a break on my student loans. I feel betrayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
XX/XX/18 : claimed to have documents that have been lost since the original creditor sold the loan. the document was something that no longer exists in an attempt to trick me into agreeing to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AZ

Complaint narrative:
Global Client Solutions is contacting me on my job when my employer strictly prohibits calls from debt collectors or third party entities. I have already warned them call my office, currently I am working with XXXX  to settle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company has sold and giving false personal information to XXXX XXXX and its fraud. I did not give my personal info to that company or consent. they are harrassing me. i would like XXXX XXXX XXXX  removed off my report before lewgal actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX  EQUIFAX, XXXX  and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, EQUIFAX, XXXX are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from EXPERIAN XXXX, XXXX and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till 202. All 3 credit bureau EXPERIAN, XXXX, XXXX  are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).

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