vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is such a liar and so stupid that they told on themselves by including documents showing that I signed a 60 day notice stating that I was not re-newing my lease for XX/XX/XXXX. So why are they lying stating that I re-signed a lease I'm XX/XX/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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
On XX/XX/2019 my XXXX and XXXX Accounts were both flagged as collection from the company of Enhanced Recovery Collections. I attempted to dispute this collection on the XXXX of XXXX. On the XXXX of XXXX my dispute came back at validation of debt. I called ERC to settle the account ( which is not mine ) for {$290.00} to get it off of my reports. They were rude and very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
Multiple addresses that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Company : XXXX XXXX Date : XX/XX/2016 XXXX XXXX has been reporting that I had a delinquent payment on XX/XX/2016 on my Trans Union Report, but on my XXXX  Report it does not. I spoke to them and filed dispute 3 times but they refused to correct it from NOT being delinquent. I was told that they were migrating to a new system and that caused a missed payment on my account as it was on auto pay. They refused by saying that it was my responsibility of updating my account. I did not receive any communication that there was a new system being implemented. 

I have been trying to get a mortgage loan for the past year but this missed payment is causing issues for creditors as selecting me as a risky.

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 2019-07-09 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: Lake Area Collections, LLC
State: LA

Complaint narrative:
Lake Area Collection has placed an account in the amount of {$10.00} on my credit reports. When asked to validate the account they sent private medical data that was obtained without my consent. I have sent tried to dispute the information for violating my HIPPA rights and have received no response from the company.

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 2019-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX B of A called to say our card was compromised and would deny pmt to dating services. But still Ok to use card. XX/XX/XXXX I go to charge a airline ticket charge, but was denied approval. I used my sons credit card. XX/XX/XXXX I called B of A for new credit cards be sent to XXXX, Ne where we would be for a funeral. The agent wanted to know who died, if they had a B of A acct? She said she could help with probate and financial fees. I explained that I had no idea of my in-laws finances. XX/XX/XXXX the new cards arrived. XX/XX/XXXX I try to enter new credit card info into our monthly providers. After many attempts, I give up. Worried about our financial credit, Social Security checks being affected, I am frantic. I fly to XXXX after the services. Calling XXXX, the agent informs me that I am XXXX. After being on hold for 75 min waiting for the department that can remove the block, the agent gets back on the line to apologize and says it may take 2 days. Then I get disconnected. XXXX I receive a condolence letter from B of A regarding the death of my husband, XXXX. He is in XXXX helping his mother and not dead at all. I call B of A to find out I am not the primary account holder but he is. By XXXX, I can add my monthly providers with the cc number. XXXX I have a voice mail from B of A Estate dept.?? XXXX XXXX receives an apology letter. I believe Bank of America has unacceptable communication protocol between departments and the agent, who started all this, should be better trained/terminated. Two weeks of hours on the phone with B of A, and Internet hours trying to get our monthly providers paid without affecting our credit score, and wear and tear on my nerves should be reprimanded. Bank of America should be forced to provide an Efficient way of expediting their grievous company error instead of days and in this case weeks.

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 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Applied for loan on XXXX XXXX.Submitted all requested documentation within three days. Initial approval was on XX/XX/XXXX, no word from loan officer until I sent an email XX/XX/XXXX asking about delay. A insurance document was missing. Sent it. 

I received this email in response to is this all you need? 
On Tue, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote XXXX At various points during the loan process, we will send you information based upon regulatory requirements. 

I was told I would hear within 72 hrs. 

XX/XX/XXXX I asked again about the delay and for a decision within 48 hrs OnXX/XX/XXXX st I asked again and was told they couldn't proceed at this time, but the loan was still pending. 

The rate lock would expire on XX/XX/XXXX. They would not approve until after that date making the agreed upon loan terms void. 

At this point I'm out XXXX for an appraisal and XXXX for a demand letter and fax. There maybe other fees I will have to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There was an Amex Gold Card offer for XXXX membership rewards points after XXXX dollar spent. I applied it on XX/XX/XXXX, got approved on the XXXX. Nothing popped up says i wasn't eligible for the welcome bonus. I hit the XXXX spent with in one month, but i didn't receive the bonus. Then, I waited another month, I messaged amex in the app on XX/XX/XXXX, they said they do see the offer, and I need to wait 3 month plus 8-12 weeks to be the points be posted. On XX/XX/XXXX, I messaged them again, now they said my welcome offer was declined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
back in XXXX I started to check my credit report for first time and to get a better understanding with that being said I came cross a judgment from portfolio recovery associates llc they file back in XXXX or sooner while doing some digging I came cross a judgment from portfolio recovery associates llc but this time it came from XXXX , county for the amount of {$1500.00} and the judgment in XXXX county amount is {$1400.00} and when I ask portfolio recovery associates about it they wasnt it having it told me it to late that they dont need to show me anything and wasnt giving me the right information they just only send me a statement with my name and old address and for the amount of {$1500.00} and the date of this statement is XX/XX/XXXX from XXXX portfolio recovery associates Attorney now telling me I own {$2800.00} and when try work it with Attorney for portfolio recovery associates they wanted {$2400.00} I am so lost on what amount is right and I just think that portfolio recovery associates is just trying to get more big money profit than to work it out with the Consumer how can any amount given be 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
End of XXXX or early XX/XX/2019 on a Saturday while I was at work, Synchrony bank/ amazon credit contacted my fianc on XXXX. This telephone number has never been listed on any of my credit accounts as a form of contact and the only connection I have with this telephone number is that the line of service is in my name. The caller/collector began to disclose personal information regarding the attempt to collect an amazon credit card debt. This person violated privacy acts by disclosing information to persons not listed or associated with this account. They also contacted a telephone number which had never been listed on my credit account with synchrony.

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 2019-07-09 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
They called me claiming to be collecting a debt, which is non-existent, to Wells Fargo. She threatened to file suit if I didn't pay $ XXXX right then. XXXX at XXXX was her name. She contacted my estranged sister, a previous employer, said they mailed me documents 45 days prior. Threatened criminal charges and liens against my car, repossession of my car, and garnishment of my wages. She was vicious and aggressive. Claimed to be with XXXX XXXX XXXX XXXX. XXXX XXXX was who XXXX XXXX is with. She gave me a case number. Her number is XXXX. It's a scam!!! No legal action is pending against me. Vulnerable people might fall for it. She said they had hired a detective to follow me. She knew my social, phone, address, birth date, email, employers, relatives.

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 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2019 there was a charge made in my account from XXXX XXXX XXXX in the amount of {$180.00}. When I noticed the transaction I contacted Capital One and explained to them that this was an unauthorized transaction. They opened a claim and issued me a temporary credit on XX/XX/2019. On XX/XX/2019 the credit was reversed. I contacted the bank to find out what was going on because I hadn't received any correspondence regarding this claim. They told me that they contacted the company and they had my name, email, and address and that the claim is closed as being valid. I asked for the contact information for the company and when I contacted them they said that this charge was for an online school. I explained to them the same as I had explained to my bank and they told me that my bank had closed the claim in their favor and that there was nothing that they could do. the letter decision/non-factual conclusions based on circumstantial " evidence '' which draw no conclusions of FACTS regarding this matter is what Capital Oneis using as a reason to not refund my money. I previously stated to Capital One, that I did not benefit from these transactions Capital One 's unverified conclusions were based solely on circumstantial papers or hearsay. The decision of denial regarding the disputed transactions Is prejudicial to, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX account. without verified proof Capital One has a duty to replace the funds taken from the XXXX XXXX 's account. 
Sincerely, XXXX XXXX, Account beneficiary All rights reserved XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Bass & Associates, P.C., Attorneys at Law
State: MD

Complaint narrative:
My name is XXXX XXXX, since XX/XX/2019 i been in contact with Bass & Associates to try set up a payment plan to get in to Loan Rehabilitation program. Bass & Associates is a loan process for Department of Education. 


Since XX/XX/2019 i have being getting the run around to trying to complete the appropriate document, 1st i contact bass & associates XX/XX/XXXX, i was told to send pay stubs and student loan payment document, after submitting this documents Bass & Associates never contact me with my application update, 2nd i contact bass & associates XX/XX/XXXX to follow up regarding the document i submitted, i was my paper work is in process i will receive loan rehabilitation agreement in mail within 10 days 3rd i contact bass & associates XX/XX/XXXX to follow up regarding my status, again i was told everything is received i will receive rehabilitation agreement within 10 days 4th i contact bass & associates XX/XX/XXXX to follow up regarding my status, and again i was told all my document was received i will getting rehabilitation agreement within 10 days. 

5th i contact Bass & Associates XX/XX/XXXX, i was told i am missing one document i should be re-submitting Loan Rehabilitation expense form ( which i did XX/XX/2019 ). 

All above contact was made by me via a phone the hold time to get bass associates on the phone is average 1-2hr. 

It have/has been extremely difficult to try to communicate and solve the problem with bass & associates and department education, my life have been put unhold, This has been trumades stress on my life, to the point i am seeking a medical help. 

The lack of communication from Bass & Associates and Department of Education and not providing a proper customer service has been ruining my life, Mentally, physically. 

i greatly appreciate your assistance in matter Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a mortgage loan with NATIONSTAR/MR COOPER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NATIONSTAR/MR COOPER and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and NATIONSTAR/MR COOPER with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am currently still enrolled in classes with my school. I should be in Deferment status but for some reason I am in Repayment status. I was not aware that any sort of payment was due until I had a payment past due and another payment to be due in a few weeks. The amount of these monthly payments are almost as much as I pay in rent each month, needless to say, I can not afford one, let alone 2 of these payments in a month. I still have a year and a half left before graduation and I am terrified of the amount of debt that I am in to this company who has not been helpful whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I attempted to initiate a dispute in reference to an ongoing matter-reaged account listed on my Equifax report. I was unable to submit request via Equifax online or subsequently with a live Equifax representative in the dispute department even after going though a validation of existing credit lines on my report. 

Equifax continues to be difficult to deal with. XXXX XXXX has erroneously, validated a debt that should have fallen off my credit report. To illustrate my concern, XXXX XXXX was formerly known as XXXX XXXX XXXX who was formally known as XXXX XXXX XXXX. I took out a mortgage, XX/XX/XXXX with XXXX XXXX XXXX. As mentioned, XXXX XXXX become XXXX XXXX XXXX  and here is where the problems began. I filed Chapter XXXX Bankruptcy in XX/XX/XXXX- my mortgage with XXXX XXXX was included. I never made mortgage payments throughout XX/XX/XXXX and XX/XX/XXXX-see attachment because I was seeking a modification under HAMP. XXXX XXXX XXXX became XXXX XXXX, they reported mortgage lates for XX/XX/XXXX only when in fact the mortgage was not paid in XX/XX/XXXX-see attachment. In short, not only did Equifax validate on a prior occasion erroneous information ; they also prevented me from entering in the dispute today when speaking to a representative who validated my information via identity challenge questions. Going further, three mortgage entries are currently on my Equifax report- XXXX ( formerly XXXX XXXX XXXX ) ; XXXX who the mortgage was transferred/sold to and XXXX the final servicer of the loan in question. AS mentioned, the loan originated in XX/XX/XXXX- this is same loan being reported correctly by XXXX and XXXX and reaged and erroneous by XXXX XXXX XXXX I am distressed that Equifax and XXXX XXXX XXXX Bank have gotten away with reaging an account that has resulted in costing me hundreds of dollars in extra interest over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a mortgage loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-07-09 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: CA

Complaint narrative:
I have a mortgage loan with XXXX/XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CA

Complaint narrative:
I have a mortgage loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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