vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
This my second time complaining about this company they simply respond to me stating the fact that I was righ that this dept was from XXXX XXXX XXXX my complain was that I never did business with this company or XXXX XXXX and I did a Id thief report Ill leave the FTC report number on here! Ill like for this company to remove this dept because its fraud and not accurate!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
My loan with Mariner Finance was paid in full on XX/XX/19. All 3 credit reporting agencies had my loan as paid in full on XX/XX/19. Then all of the sudden on XX/XX/19 my loan balance was put back onto my credit reports with XXXX and XXXX and XXXX negative comment added. How can Mariner Finance add my loan back onto my credit report when it is paid in full? My score dropped over 30 points on both credit reports. I need it fixed by XX/XX/19 so that I can buy a car!! I should not have to deal with all this stress!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have a loan with NELNET LOAN SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: AL

Complaint narrative:
I currently have about {$250000.00} from undergraduate and medical school in direct student loans serviced through FedLoan Servicing. My student loans were transferred to FedLoan Servicing in XX/XX/XXXX after I submitted documentation and certification for the Public Student Loan Forgiveness program. I have been making qualifying payments for this program every month since XX/XX/XXXX while working under federal non-profit 501c3 entities. This program requires 120 payments after which remaining student loan debt is forgiven. In order to assess progress, an accurate payment count is essential. FedLoan Servicing has been in the process of calculating my payment count since XX/XX/XXXX. I have called multiple times to check on the state of the payment count in the last year and have been repeatedly told that the process " just takes time. '' They can not give me any reasonable estimate of when the payment count will be counted. Their website lists 7 qualifying payments. By my record, I have made at least 60 qualifying monthly payments. In the meantime, I continue to make significant monthly payments in the hope that the FedLoan will eventually straighten my account out. After over a year of waiting, I would like to submit a formal complaint regarding the poorly efficient, inaccurate and incomplete customer service that FedLoan Servicing is providing to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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 — Problem with personal statement of dispute
Company: Collins Asset Group, LLC
State: OH

Complaint narrative:
I am making payments to pay this amount I owe I should have not still have a bad negative on this report I am making my payments on time please check this out thank you mr XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation
State: VA

Complaint narrative:
From XX/XX/XXXX to current time ( XX/XX/XXXX ) I have been back and forth with a third party company who another party sold my information to for another previous party. I have asked to make a settlement and they said I wasnt eligible to do so ; even though settlement documents were sent out a handful of times throughout the above period. This account is over 7 years old and they keep restarting it on my credit report as if it is recent. The car was repoed XX/XX/XXXX. The car was already auctioned off years ago. I have given them over {$300.00} but stopped to the fact on them trying to keep damaging my credit With no guarantee of removal of discrepancy even after payment. Company is located in Texas, I live in Virginia. Information is also inconsistent across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I received an addendum to notice of servicing transfer stating that as of XX/XX/XXXXthe principal of my account is {$13000.00} and on XX/XX/XXXXI received a statement showing my outstanding balance is {$15000.00}. I made a payment for XX/XX/XXXXand XX/XX/XXXXso how did my balance increase to that amount? Also what happened to the payments I made from XXXXXX/XX/XXXX? I have been paying on this mortgage for about 40 years and it should have been paid off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXXXXXXXXXXXXXXXXXXXXXXXXXX,OHXXXXDOBXXXXSSXXXXMyinformationisclearlyshownabove.Afterthiscreditfreezehasbeenfiled,pleaseforwardmeawrittencopyofmyfullreporttotheaddressIhaveconfirmedabove.
IwouldliketorequestasecurityfreezeplacedonmyConsumerDisclosureReport.
Ichoosetoopt-outofyourdisclosingfutureinformationuntilfurthernoticeincludingtheCreditReportandotherfurnishedinquiresregardingallpersonalinformation.
Thissecurityfreezerequestnotonlyrestrictscreditbureausandcreditors,butalsofuturepotentialemployersuntilIliftthisrestriction.UndertheFairCreditReportAct,youarerequiredtocomply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: IA

Complaint narrative:
There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX  : balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: Innovis
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOBXX/XX/XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
There is an account that has been reporting as deragotry on ALL of my credit reports, since XXXX. Name of company is CACH LLCz i disputed this with XXXX & XXXX. They will not provide proof and validation of the accused debt. Nor will they remove it. 

It is negatively affecting my credit score, and i can not get approved for any sort of loans. Including Secured credit cards that require no credit as you pay collateral.

Specific account info : - CACH LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX   XXXX XXXX , SC XXXX ( XXXX ) XXXX Also, over 5 inaccuracies in inquiries repoeted and affexting me negatively that are beyond the statue if limitations of length. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : INSURANCE UNDERWRITING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Please advise how CFPB can protect me as a Consumer against these predatory lending efforts to ruin my credit scores and affecting my family from obtaining a mortgage for a house to live in

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
On XX/XX/2019 I pay off and resolved the account in full with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX/XXXX XXXX   : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX  XXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX. XXXX/XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance 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 2019-07-29 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: IA

Complaint narrative:
There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX/XXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX : balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance 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 2019-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app is fraudulent they have no legitimate customer service they dont even get bak to ur emails. My brother in law and sister cash apped me funds accidentally thru ther account then requested them bak and now cash app is trying to charge me for the the funds I returned to the requested individual. Whether its cash app the bank or possibly my family members trying to rip me off whoever it is I returned the funds I have the proof theres a trail so cash app has to get the person who has the funds whos committing the fraud I gave bak the funds I didnt exhaust none of it so y am I getting a negative {$700.00} balance I will not allow this to mess up my credit I returned the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
This is XXXX XXXX address XXXX XXXX XXXX XXXX. I have sent several requests for proper debt validation to convergent outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX. I have not received it proper debt validation. They keep sending me information which is not relevant. This company received and signed for the letters I sent them. They are continuing to report this account in my name constitutes collection activity specifically prohibited by the FDCPA. 

Here are the statutes in which your company they are in violation : 1. Failing to cease collection of an alleged debt after the Defendant notified Plaintiff in writing that the alleged debt was disputed, therefore violating FDCPA 15 USC 1692g ( b ) 2. Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 
3. Failing to report an account as disputed on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 
4. The threat to take any action that can not legally be taken or that is not intended to be taken, thereby violating FDCPA [ 15 USC 1962e ] ( 5 ).

They are in violation of the FCPDA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been locked out of my online social security account from XX/XX/2019 that tried to log in and was unable to create a new account with the help of the SSA because Equifax data was breached and all my security answers to the questions to my file were wrong. 
the addresses, the mortgage loan, etc was unknown to me. 
I tried to contact Equifax as told by SSA to fix this issue but had no response in 4 months. 
Please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AR Resources, Inc.
State: VA

Complaint narrative:
This debt was discharged when I filed Bankruptcy. I also received 100 % financial help fr the hospital for the months of XX/XX/XXXX and XX/XX/XXXX. Please remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Independent Finance Company LLC
State: CO

Complaint narrative:
I recwntly purchused a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX   Colorado. I am a fist time car buyer so I used their in house finance company " Independent Finance ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, Independent is contractually bound to report payments to the two major credit agency 's, XXXX   and XXXX. This loan was opened on XX/XX/2019 and only one payment so far has been reported on XX/XX/2019 and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with Independent but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the American XXXX so I can begin litigation if these credit issues are not resolved. I believe Independent is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, Independent needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/2019 tells a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: NV

Complaint narrative:
applied for laser loan and was told i would get no interest for 2 years. been making my payments as agreed and i just notcied that theres interest being charged from day one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
the equifax computer web site is consisitently going out of service and i am getting a home and it is a reeal problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a strange letter from Chase Bank. It states : IMPORTANT : You or a joint owner DECLINE Chase Debit Card Coverage. This was pertaining to an alias account of Debit Card XXXX which is now account ending in XXXX. I never opened this account and again Chase Bank refuses to disclose who are the entities compromising my account without my authorization and then closing the accounts in my face. Then I received an email asking me to log into an alias account that then they say is closed to avoid getting paper statements. Like they are antagonizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I lived in XXXX XXXX at my parents house the utilities were never in my name I never received any bill or comuncation from them this was about 6 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation