vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
The debt collector is Southwest Credit Systems. The amount is {$320.00}. It was posted on my credit report on XX/XX/2018. It supposedly for XXXX equipment that returned. I have contacted XXXX on numerous occasions and have had no help in determining the cause of this incorrect credit posting. I returned the equipment approximately 5 years ago. I do not have a receipt for the returned equipment, but I am quite sure XXXX  would be able to resolve this by checking their records and serial numbers of the equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.

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 2018-09-03 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 Karma, LLC
State: FL

Complaint narrative:
I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I am aware that in recent years XXXX, XXXX and TransUnion announced the National Consumer Assistance Plan to enhance their ability to collect complete and accurate consumer information and provide consumers more transparency when interacting with consumer reporting agencies about their credit reports. The plan was announced after cooperative discussions and an agreement with the Attorneys General of multiple states. 

The agreement provides for updates to mandatory data reporting requirements and data collection procedures. The resulting initiatives will impact Data Furnisher reporting. 
The agreement prohibits : Collection Agencies and Debt Buyers must report the Original Creditor Name and the valid Creditor Classification Code according to the Metro 2 format. These fields are required for each account or item reported. 

Collection Agencies and Debt Buyers will not report debt that did not arise from a contract or agreement to pay All Data Furnishers A new minimum standard has been established to expand the CRAs capabilities to match credit data to the file of the appropriate consumer. Furnishers of newly opened trade and collection data must report the full name ( First, Middle, Last Name and Generation Code/Suffix ), address, full Social Security Number and Date of Birth ( mmddyyyy ). If full Social Security Number is not available, full Date of Birth ( mmddyyyy ) will be required.

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 2018-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC

Complaint narrative:
After checking my records, it appears that XXXX XXXX XXXX, XXXX. 
doubled me using my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: AES/PHEAA
State: TX

Complaint narrative:
Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: TX

Complaint narrative:
Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.

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 2018-09-03 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: TX

Complaint narrative:
Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: TX

Complaint narrative:
Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.

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 2018-09-03 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: IL

Complaint narrative:
They are saying I am out of school as of XX/XX/2018. They did not do their research. The new school session started on XX/XX/2018 and I am currently a XXXX   XXXX. Also, the school on the loan needs to be updated to XXXX XXXX, they have the wrong school attached to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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:
I disputed a reporting of my Experian credit report in XX/XX/XXXX. The account in dispute is XXXX XXXX XXXX/XXXX XXXX XXXX. I provided the following documents to Experian at the time of the dispute. They were uploaded to the Experian dispute page via PDF attachment. 1. Copy of signed settlement agreement dated XX/XX/XXXX between myself and the XXXX stating they agreed to take payment of the full balance of {$6300.00} to close the account ( see attached ). 2. Proof of payment ( payment statement ) showing I paid the full amount the same day on XX/XX/XXXX and the payment was processed by my bank account on XX/XX/XXXX ( see attached payment statement and attached email confirmation of payment recieved by federal government ). 3. A summary record from XXXX stating the original date of the loan was XX/XX/XXXX not XX/XX/XXXX as reported and the original amount was {$6200.00} ( see attached Summary Letter from XXXX ).  4. A detailed letter by me explaining the situation, outlining the attachments and a requested outcome ( see attached ). On XX/XX/XXXX my dispute was update as " resolved '' by Experian even though it is not. ( See attached dispute results ). 1.  Experian never changed the total owed from {$1300.00} to {$0.00}. Experian payment history showed I owed {$6300.00} but only paid {$4900.00}. I never owned {$1300.00}, the paperwork I provided them showed I never owed that. Experian is still reporting the account as open/charge off instead of closed paid in full and they are still showing I have a balance of {$1300.00}, which I do not. How do I owe {$1300.00} still, when I originally owed {$6300.00} and I paid the amount of {$6300.00} in full and provided both the signed settlement letter and proof of payment?

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 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I contacted over 4-5 times over a year by mail also provided them with the Identity theft and police report and after several attempt they agreed to remove the information and block my report. I tried to open a new checking account and I was notified by the bank that my application is denied because of the information on my early warnning report and also too many inquiries on your EWS report. It was my first tine applying and shouldnt have tok many inquirues report and not sure what information they have added to their file but since I was a victim a identity theft and previously had account reported under my information and is possible new activities added to my report. 
I previously notified by early warnning that they block my report and supposedly it prevents new activity but looks like they still contain some information on their report that Im not aware of and it prevented me from openning a neq checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX has violated FDCPA 809. Validation of debts. The day after they received my response in XXXX disputing the alleged debt they entered false information on to my credit report. 

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. " I have been requesting the signed contract for this account for over 5 months now and they have not been able to produce it because it doesn't exist! They keep showing statements -- - statements do no establish who took out this alleged debt! Where is MY SIGNATURE?? Who took out this debt??? Where?? At this point I consider this harassment and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
Our mortgage servicing was transferred to Loancare in XX/XX/XXXX. 
We have had our mortgage for 5 years and pay via EFT. Since transfer of servicing, our payments have not been applied on the day they were received by the Servicer. ( See Enclosure " B '' for detailed schedule of delays ) We called Loancare several times and contacted them via their website twice and could not receive an explanation as to the delay or resolution. On one occasion, we were told by a Loancare employee that Loancare had no obligation to apply our payments until they process them, no matter when they are received. One of our online contact attempts was closed without answer. Receiving information was impossible via the means usually relied on by consumers.

We sent a formal letter of discrepancy asking for resolution. ( See Enclosure " A '' ) We received a response from Loancare dated XX/XX/XXXX stating that because our EFT payment has the prior loan number attached, they did not and will not apply our payment on the day they receive it. Instead, our payments have been and will be applied on the day that a Loancare employee looks up our loan number. ( See Enclosure " C '' ) We believe Loancare is in violation of CFPB rule 15 USC 1639f ( a ) and/or any other rules that apply to the proper crediting of mortgage payments received by a mortgage servicer.

1-Loancare has confirmed the dates of our payments are known to them 2-Loancare states they will not apply our payments on the day they are received but only after an employee looks up our mortgage number.

3-This gives Loancare no impetus to look up mortgage information for such payments 4-We do not agree with Loancare holding our funds as theirs and not reducing our mortgage balance while they look up a loan number.

5-We have taken reasonable steps to identify the error and were only able to receive meaningful information after sending a letter of discrepancy.

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 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kenneth, Eisen & Associates, LTD.
State: OH

Complaint narrative:
I received a correspondence from a company I do not recognize ever having done any business with nor have I enter into any contracts with KENNETH , EISEN & ASSOCIATES , LTD . I have never receive any notification 30 days prior to being reported to the credit bureau. I fail to receive any documentation showing any transfer title of ownership between from the original creditor to KENNETH, EISEN & ASSOCIATES , LTD. under Ohio Revised Code Title [ 13 ] XIII COMMERCIAL TRANSACTIONS - OHIO UNIFORM COMMERCIAL CODE Chapter 1319.12 Taking assignment of debts, I fail to see anything that would show they are in compliance with OHIO LAW.I declare Myself competent. I am not a Corporation or a Public Entity.As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, KENNETH, EISEN & ASSOCIATES, LTD. are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
purchased XXXX XXXX XXXX financed thru XXXX XXXX  XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/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 2018-09-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
purchased XXXX XXXX XXXX financed thru XXXX XXXX XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be.

Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
purchased XXXX XXXX XXXX financed thru XXXX XXXXXXXX XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/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 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: GA

Complaint narrative:
The llc company XXXX XXXX has reported a debt that is past statute of limitations from XXXX XXXX. I want validation and removal of this debt from my credit report. And all copies and documentation forwarded to me. Again, this company is commuting fraudulent activity by reporting fraudulent information on my credit report, which effects the quality of my life. I expect the removal and full validation and investigation within 30 days. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief