vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 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: IL

Complaint narrative:
I DID NOT AUTHORIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation
State: RI

Complaint narrative:
I was, briefly, a student at XXXX XXXX in XX/XX/XXXX. My student loan balance was taken on by XXXX XXXX XXXX XXXX. I was advised by a member of XXXX XXXX staff that I could temporarily defer payment on said loan due to financial hardship which I did via a 3 way phone call between the school employee, a XXXX representative and myself. At a time when I became able to make payment, XX/XX/XXXX, I made arrangements to pay an agreed upon monthly sum towards my balance with XXXX. As of today 's date, XX/XX/XXXX, my balance from XXXX  is listed as {$850.00}. XXXX XXXX. called my personal cellphone several months ago and stated that they had acquired my debt and I currently owed a balance of over {$5000.00}. I asked for more information and they were either unable or unwilling to provide me with the name of the company they had bought my debt from and they had no access to any of the previous payments I had made with XXXX. The representative from XXXX XXXX threatened me with imminent legal action unless I made immediate payment. They offered to take a substantially lower payment, on the spot, to wipe out my debt and I declined. Again, I was told that legal action would be pursued. I then proceeded to contact XXXX and they assured me that they still retained my debt and they had no knowledge of XXXX taking over said debt. They advised me to disregard the payment demand from XXXX and continue paying my loan off with XXXX, as I had been doing. I was content to follow this advice until I checked my credit report today and it showed an open account with XXXX XXXX with a balance of {$5200.00}. I do not believe this to be correct. I receive multiple phone calls on a nearly daily basis from a number I believe to be associated with XXXX XXXX. No voicemail is ever left. I would like the phone calls ceased and the account stricken from my credit report as I believe it to be erroneous. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Called Bank of America XXXX on XX/XX/2018 Spoke with three different departments. Very helpful all three departments. 
Ended up with the Charge Off department. 
My question to her what and why a Account Charged off? When each month for the last three years a reacurring payment were paid directly to the collection company. 
Twice once from the Company and one from the Collection Company to neogiate amount that is due. My reply to both was no it is my debit and I need to pay them off. 
Account Charge off defination from Bank of America, " Any Account that has become deliquent ''. My understanding of Charge Off is the amount that was agreed by me and the company to write off, which would generate a XXXX Cancellation of Debt. 
Interest being low I was looking to modify my Mortgage. After speaking with the Mortgage Company their concern was the write off and no payments being shown. 
Balance due changes with my payments. But no payments are shown. Report shows " 0 '' payments received for the past three years. This is incorrect and if needed I will send copy of bank statements showing all my payments. 
The Bank Of America with this statement on my Credit Report has caused me very large problems. They might of Charge off the Account, but I feel they are not reporting the correct information when they do not show all of my 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 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
Our loan was transferred XX/XX/2017 from XXXX XXXX XXXX, a fairly reputable institution, to Specialized Loan Servicing SLS ( not so reputable ). Upon conversation with new agent he recommended we sign up for autopay that directly drafts from checking to the loan, we signed on. I went online and entered an amount of an even {$900.00} to be drafted on the XXXX of every month. On XX/XX/XXXX they took out the {$900.00} AND {$900.00} which is the TRUE payment but I always pay {$900.00} to keep my records simple. They took 2 payments for 1 month and left me without monies to pay the rest of my obligations for the beginning of the month! ( TOOK WITHOUT PERMISSION TO TAKE MORE THAN I AUTHORIZED! ) I phoned immediately Friday XX/XX/XXXX and was told the money would be refunded. I phoned today to verify this to be true and I was told it was sent for further review and may or may NOT be refunded and there will be an answer by XX/XX/XXXX. I feel this is unfair lending practices as they no right to take more out of my personal checking without my consent.

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 2018-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
To CFPB I decided to check my credit report and surprise surprise I find some company called XXXX XXXX has placed multiple fraudulent charges on my report through Paramount Recovery Systems. I do not owe this company anything, I DON'T EVEN KNOW THEM!!! 
I am hereby requesting a formal federal investigation into this company and I want them fined XXXX XXXX XXXX dollars as you have done to other companies that have violated the law. I am further sending this report to the Attorney Generals office for an investigation and will pursue criminal charges against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Debt Collector : IQ Data International ( Phone : XXXX ) Debt Owed to : XXXX XXXX  XXXX XXXX XXXX  in XXXX TX IQ Data spoke with me on XX/XX/XXXX and XX/XX/XXXX about a debt I owed in the amount of {$3900.00} with my previous apartments. I explained that I had a loan dispersing soon but did not have the funds yet. XXXX XXXX stated that I should give payment information for the amount now, that IQ Data would attempt to collect the debt from my bank even without available funds, and an NSF would just " buy me time ''. As we expected, the payment came back NSF. I reviewed my debt and wanted to contest the reletting fee and make payments on the rest ; I explained this to rep XXXX XXXX when I called today XX/XX/XXXX. I offered a payment in the amount of {$1000.00} which was not accepted. XXXX XXXX transferred me to her manager, XXXX, I believe, who stated that I would be charged for the bounced check and my debt would now be tripled. The manager stated she would not take a payment from me and that further collection actions would be put on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) acting on behalf of Citibank contacted me between XX/XX/XXXX-XX/XX/XXXXto  settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to XXXX. 

My credit improved. ByXX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX this debt from Citibank reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either Citibank is mistaken or XXXX has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM XXXX XXXX XXXX ( 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 2018-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I lost my job so i went on a extended payment plan and i made the first payment. I had to close my bank account because i could not afford the bank fees. I told them at time of extended payment plan that i had lost my job. A week later i informed them i had to close my bank account but i wanted to pay my payment before due date. they have refused payment, my second payment is due XXXX, 2018. i do not want to be in default as i am trying to pay them, California Check Cashing XXXX XXXX XXXX XXXX, Ca

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 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The apartments was over 10 years ago that has been removed from my credit report. I tried to tell the representative that my sister also called to explain to Pro Collect about the nature of the un owed debt which has fallen off my credit report and she wouldn't speak to her. I recently pulled my credit report and XXXX XXXX isn't on there. I wan them to remove my number and stop calling me before I purse legal action against them.

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 2018-02-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX reporting on Equifax and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I printed my credit report called XXXX XXXX  on XX/XX/XXXX. I spoke to XXXX at the Consumer Financial Protection Bureau on XX/XX/XXXX. Last year when the Credit Breach happened to Equifax I became a member of XXXX XXXX. Between XXXX XXXX and XXXX XXXX they show my credit history is 6 years in the making. I have a XXXX XXXX Account that reports to all 3 Bureaus Equifax, XXXX, and XXXX every month. I have had this account since XX/XX/XXXX. That's 7 years and 10 months. I have a XXXX XXXX Account since XX/XX/XXXX. That's 16 years and 2 months. I also have had a XXXX XXXX Account since XX/XX/XXXX. That's 12 years and 2 months. I have XXXX XXXX  and their credit Monitoring shows my 16 years of perfect credit. Never late, never missed a payment, never paid one cent of interest. I printed out the credit XXXX XXXX and XXXX XXXX from Equifax and XXXX XXXX only give me credit for 6 years even though these companies report monthly and they are on the XXXX XXXX. All I'm asking is to give me the years ive spent creating a wonderful history for myself. Please fix this. I'm waiting for the letter from you so I can send copies. Thank you for your time. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
When loans were presented by school was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that we have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: LendUp Loans LLC
State: IL

Complaint narrative:
did not authorize credit inquiry

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 2018-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Control Technology, Inc.
State: PR

Complaint narrative:
Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) This company is harassing me my family and friends and my employer, in relation to alleged debts. 
I sent a Cease and Desist letter to this company for their alleged collection attempts but they continue, I want immediately file a complaint. This company need to stop with this harassment practice in violation of the FDCPA and the Consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 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: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to XXXX XXXX, XXXX. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent -- a document of which was merely created by them reflecting several entries, but nothing to substantiate their allegations. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS XXXX XXXX IS VIOLATING MY CONSUMER RIGHTS. 

I have no recollection of ever owing XXXX nor ever doing business nor receiving any correspondence from them whereby I signed a contract. The company should provide proof of all HIPPA information whereby I gave XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, XXXX, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company prior to the correspondence they sent in XX/XX/2017 responding to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: CO

Complaint narrative:
I have a remaining balance of {$3600.00} on a school bill I paid out of pocket for. Months ago, in fact almost a year ago I was contacted by Key 2 Recovery for this balance which was originally XXXX.. I have paid {$100.00} to {$250.00} a month since being contacted. At this time the past few months I have paid {$150.00} a month with no missed payments. And now they are calling me trying to state that even though the account is current and is being paid some how they state I have a hardship now against me. They are wanting me to pay a large lump some of money more then what I am paying now. File # XXXX this again is through Key 2 Recovery and the girl that is handling my account at this collection agency is named XXXX who can be reached at extension 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 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I currently have a mortgage with Wells Fargo. The mortgage is currently 9 years old. I phoned the company and asked them to remove PMI due to time paying into the mortgage. They said I have to pay until XX/XX/2019. XXXX note with XXXX owed. 
Perfect payment history. Loan was absorbed from 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 2018-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
When loans were presented by school was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that we have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: IL

Complaint narrative:
did not authorize credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I frequently check my credit through XXXX XXXX, and today I noticed my credit dropped 96 points in my Equifax due to someone reporting a false address. Please help me sort this out. Thank you! 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I received my direct deposit on XX/XX/XXXX for {$890.00}. I was notified on XX/XX/XXXX by a text alert that my balance was {$.00} I immediately called American Express Serve and reported the 2 fraudulent transfers {$400.00} & {$490.00} and was told there would be an investigation. I followed up with them and was told i was being declined the reimbursement because of section 15d of the user agreement ( fraudulent activity ) That is what I called to report. I received a check from American Express Serve for {$.00} with a note on the stub saying " Your American Express Serve account is now closed. As you requested. we are providing you with a check for the amount of your available balance. '' I never requested the account be closed I requested my money be returned that was fradulentlly removed. Now when I call customer NO service they have no account to pull up. Please help I litterally lived on peanut butter and jelly and the graciousness of my co workers for 16 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Social security administration reporting on XXXX and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.

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 2018-02-05 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:
TRANSUNION, XXXX, XXXX ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!

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