vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Equifax : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: MT

Complaint narrative:
I own and am responsible for a substantial amount of student loan debt. The burden of my debt is held by XXXX XXXX. I am a full-time XXXX XXXX  at a XXXX, XXXX XXXX  in XXXX Montana. I am attempting to participate in the Public Service Loan Forgiveness Program. Although I have been told countless times via phone conversations and through written correspondence that my loans are now consolidated and held by XXXX ( the last of which I know to be true as I make monthly payments to them ), I have been waiting for more than a year to hear back on which of my payments count towards the necessary 120 that need to make in order to receive forgiveness. I have had multiple attempts to contact XXXX and PSLF representatives and have received nothing other than, " what you are doing is right, your paperwork looks good, we do not need further information from you at this time. '' When I query them as to why I have had to wait so long to see how many qualifying payments I have made thus far, I am told, " It just takes time. '' When I state that some of the first paperwork I received from XXXX after they pulled all my loans over and made themselves my servicer was that it would take up to 3 MONTHS to get notice of what payments qualify for PSLF, they sit in silence on the other end of the line and offer no further guidance. Immediately after becoming my servicer, they put my loans into a forbearance state with no explanation. I received correspondence via mail thanking me for MY choice ( which was never mine ), saying that I had authorized this. They do not have my signature on anything stating this was okay. 
I am hindered in my life choices by my student loan debt. I take responsibility for my XXXX,  XXXX XXXX   childhood. I have worked unbelievably hard to pull myself away from all of that. My present and future life choices were meant to be relieved of the burden of this debt for the dedication I have given to raise myself from poverty and for the determination I have to continue to keep away from it. Now, this program has become a punishment and I am made to pay all over again for the mistakes of my family, of myself. I should not have to settle for average, for " barely scraping by '' when, given an opportunity, I could be extraordinary. I want to fly, I want a life unencumbered by the student loans that suffocate me, I want the American dream. This program was supposed to be the springboard to those next steps. Without it, how can I help Make America Great Again?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
My problem with the loan was the monthly payment of {$900.00}. As I started to try a way to negotiate the loan do to my personal income dropping drastically it lead me, to call and try to negotiate for a lower monthly payment. But they suggested to surrender the car instead, so we did. Now Ive been sent a summons for an attempted to collect through a XXXX court order the amount of {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Lincoln Educational Services Corporation
State: IN

Complaint narrative:
XXXX my son was recruited to attend XXXX XXXX in XXXX. We were pressured into attending this school. A rep came to my home to talk to my son and I. When my son and I went to enroll him, I was told to sign a parent loan in order for him to attend school. The school was brand new. After my son attended for about 6 months, he decided to leave, it was not what he was told it was and he informed me that the teachers did not tech him anything and it was a waste of money. To this day am still paying back {$15000.00} dollars in a parent loan for 6 months of attendance. I was charged the full price as if he graduated. I try to talk to someone in the office and made several calls, No one assist me and stated I was stuck with the parent loan. I was misled along with my son and I need help. This has been damaging my credit for over 10 years or more

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc.
State: FL

Complaint narrative:
In XX/XX/2018, I filed a complaint with this organization regarding Professional Credit Analysts of MN , Inc. My complaint ( XXXX ) centered around the fact that they placed a collection on my account, and never responded to my letters ( XX/XX/XXXX and XX/XX/2018 ) regarding my request to validate the debt. To date, they still haven't provided any information that validates this debt as mine, yet they continue to have this collection on my account. As of XX/XX/2018, I have confirmed via XXXX, that this company isn't even registered to do business in the State of Florida. They don't have an office nor a registered agent in the state. So they are not only filing erroneous collections, but they are also acting illegally by not being registered with the state of Florida as a debt collector.

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 2018-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
XXXX XXXX Has Been Notified Several Times They are Attempting To Collect On A Phantom Debt. It Is An Act Of Attempted Grand Larceny To Illegally Seize Private Property And Attempt To Collect On A Debt Related To a Forged Quitclaim Deed And a Fraudulent Grant Deed That Was Used By My Ex Husband And His Current wife To Obtain The 2 loans in Question. I Submitted A Police Report Documenting The Forged Quitclaim Deed A Copy Of My CA ID identifying Who I Am And Relevant Copies Of The Quitclaim Deed And Fraudulent Grant Deed and Supporting Documents While XXXX XXXX Investigators Have Not Acknowledged Receiving This Information I Have Submitted Several Times Including By PDF Number 25 Through The CFPB System. The Debt Collection Agency On This Complaint Never Contacted Me directly To Validate The Debt Nor Did They Acknowledge That I Served Them With A Letter To A Debt Collector With Required Documentation Attached, Which They Never Responded to In Violation Of FDCPA and FTC REGULATIONS. That Was Notice For This Debt Collection Agency To Cease And Desist The Default Forclosure Action On My Home As They Have Not Validated The Debt They Are In Violation Of California Penal Code 115 PC Which States Filing A False Document Under California Penal Code 115 PC Makes It A Felony To File Any Forged Or False Document With A Public Office. I Submitted To XXXX XXXX The Identity Theft Forgery Questionnaire, They Did Not Acknowledge This Or Any other Documents I Submitted As XXXX XXXX Was Served On XX/XX/2018 Via USPS via Certified Mail And The Debt Collection Agency In This Complaint Was Also Served On XX/XX/2018 Via USPS Certified Mail with Relevant Documents. XXXX XXXX  Has Never Addressed Or Contacted The XXXX COMMERCIAL CRIMES DIVISION TO CONFIRM THEIR FINDINGS OF THEIR INVESTIGATION THAT IS PROOF THE QUITCLAIM IS A FORGERY VIA STATEMENTS RECIEVED FROM THE NOTARY WHO, S INFORMATION STAMP ETC WAS ILLEGALLY USED IN THAT TRANSACTION AND THE NOTARY SAID I NEVER APPEARED BEFORE NOR IS THEIR ANY LISTING OF THIS DOCUMENT IN HIS LINE ITEM SEARCH. I WANT A DIRECT EXPLANATION FOR THIS VIOLATION OF THE LAW AND FDCPA AND FTC REGULATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Credit Plus Inc
State: TX

Complaint narrative:
All my inquiries have been hard pulls and its affecting my credit I got a full credit report and dont recognize none of these inquiries done by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: 1st Franklin Financial Corporation
State: TX

Complaint narrative:
XX/XX/2018 I filed a claim on 1st Franklin Financial Corporation. I sent them a intent to pay and cease and desist all communication letter in XX/XX/XXXX which is dated XX/XX/2018. They claim to never received a letter from me however, they are sending me letters with my current address on them. I did not update any information with them so there for they only got my address from the letters I sent. They are destroying my bank account with overdraft fees, transfer fees and withdraws of money that is not there. I also sent this company 3 or 4 messages on their contact form online XX/XX/2018 approximately XXXX this is 4 weeks before actual letters went out no response within 24 hours. I did however get an email back within 10 hours of writing another complaint XX/XX/2018 at 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 2018-10-17 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
New information ( proof ) that a new card was issued to me. I was working with XXXX XXXX with not much luck, she advised me that she never saw any notes that would verify what I have been saying that two managers have submitted request so that I could get this account reopened. I never on this account because I was advised by your management not to pay on this account until it was resolved. I received a new card that my neighbor got in the mail they were out of the state so I'm just receiving it. They have the same address but different on a different street then me, so a new card was given. I am more than willing to pay the balance due on this account but I would like the account to be reopened based on the previous managers saying that because my account was closed after I made a pmt without being advised. XXXX XXXX did not listen to me to really help me. Please reassign my account so that we can stay in business together, I would appreciate it. Contact me at XXXX XXXX XXXX. See attached cc and reissued cc that has not been activated as proof one was indeed issued

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 2018-10-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was stolen according to a letter from the Equifax and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is 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 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Me and my brother owed a apartment complex we stayed at. Right now it's hindering us from getting a place to stay. My mom called and payed off his remaining balance and asked can she get a letter saying that it's been payed off. The lady tells her " Oh we can't send you that until the other account is payed off because they are linked '' How are they linked? They accounts have 2 different account numbers. And his account is paid in full yet they haven't removed it from his credit. It's been over a month. I chatted online with a rep and was told I owe XXXX. Then she begins to tell me my balance is due in her office no later than XX/XX/18 or collection efforts will still continue. Then she changed the date to XX/XX/2018. I told her so she expects me to pay XXXX in 3 days. Then she says if it is in her office by XX/XX/2018. Then my mom called the other after a payment was taken out for my account. They proceed to tell her the payment was posted to my brothers account. She asked how in the world was it posted to my brothers account when his is paid off? The told her it would be fixed and his account will be marked as paid off. Then they told her my account balance was XXXX. But in the chat I was told XXXX ( which I have the chat saved for that purpose ) .The original creditor XXXX XXXX XXXX XXXX was just bought so shouldn't the debt be cancelled?

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 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I filed for Bankruptcy in XX/XX/XXXX I converted my Chapter XXXX case to a Chapter XXXX and I filed a motion to dismiss my BK case and it was approved. I have never had an account with XXXX XXXX   XXXX XXXX nor have I ever heard on this company. Portfolio Recovery is trying to collect money from me on this account. They put a collection activity on my credit report with the date of XX/XX/XXXX when clearly at this time I was in Active Bankruptcy which means under Title XXXX of the U.S. Bankruptcy code they are in violation because the Trustee for my case made payments to all of my creditors and this company was not listed as my creditor. They bought this account from a lender to try to get the debtor to pay when I live in the State of Maryland and the STATUTE OF LIMITATIONS has expired to collect on this debt. I contacted them and told them this and they changed the date to XX/XX/XXXX I had no luck disputing this with the credit bureau. I want this collection removed from my credit report because it's illegal for them to try to collect on an expired debt this is the 4th collector that I have told this too and this company decided to place this collection on my credit report I want it removed from all 3 of my reports. Collection Agencies should not be allowed to treat any body in this way. I have documentation to prove on XX/XX/XXXX my attorney had already filed a motion to start my Bankruptcy proceedings and no collection activity was in effect when you file Bankruptcy they are not allowed to call you or try to collect on a debt when you are in an active Bankruptcy case which I was. I am hopeful that you will assist me with this urgent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One is reporting an account on my credit report as opened on XX/XX/XXXX. I sent them a letter on XX/XX/XXXX requesting information on this account. They replied that the account was opened over the phone or via de internet. I replied that this is a fraud account and I requested an investigation. they replied they see no signs of fraud because they received a payment. I replied that if they received a payment I need a copy of the form of payment they received so I can investigate since this account was opened in my name without my authorization. They replied the same thing " We see no signs of fraud ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: AL

Complaint narrative:
firstly, I never remember taking out a non-federal loan with anyone while in XXXX schoolbut they said it is private so I guess I have to believe them. I have refinanced all of myfederal loans into one payment that I can afford. They started calling me about these and Ihad no idea what I would do. They worked with me at first and gave me low payment that I could afford then the servicer changed from XXXX to AES. The amount doubled and when I asked why they said something about interest and said next month would be lower it wasn't. The next month they called and said it was a temporary plan and this was my new amount. No one in customer service seems to know what they are talking about. I asked if I could refinance this in my federal loan since AES services federal loans and they said " no '' then I explained that I am paying my other loans and have a child and have had to take money from savings to pay the last 2 months. I can not continue to do this- I simply do not have the money and I work 2 jobs. If they can not do something to help me I will have no choice but default. Last year when I did not know I owed them they had a 3rd party  collection agency call me multiple times a day wanting to know when I would be making a payment. They really do not understand the concept you can't get blood out of a stone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
On XXXX, XXXX XXXX XXXX  contacted me at work on my work line. I informed them that I could not accept personal calls at work and gave them an alternative number. I received a second call on XX/XX/XXXX18, and a third on XX/XX/XXXX18. I have informed them that this is a business line and I am not to receive personal calls, yet they persisted with asking me for information despite my repeated warning that this was a corporate line. They kept saying " It will only take a moment of your time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 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: PREFERRED CREDIT INC
State: GA

Complaint narrative:
My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: CA

Complaint narrative:
Capital One informed me card was frozen. Some unknown person used my personal information to add him/herself as an authorized user of my VISA card. Capital One has cancelled that card, is issuing me another. Advised me to file fraud alert with XXXX ; have done so. Advised me to file same alert with FTC whose website directed me to your agency. 
I will now have to contact the many organizations whom I pay by charge ( to the cancelled card! ), as well as the many e-tailers with whom I do business. Until my new card arrives, I have NO credit card.

Company response to consumer: Closed with explanation