vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not let me re-dispute inaccuracies on my credit file via the Experian website. 
a number of accounts are not mine and are lowering my credit score

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 2018-05-15 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.

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 2018-05-15 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: CA

Complaint narrative:
I have multiple Parent Plus loans for XXXX of my XXXX children serviced by XXXX  XXXX XXXX AKA Pennsylvania Higher Learning The interest rate is 7.9 %!!!!! This is predatory its been double the prime interest rate for 8 years. 
They absolutely refuse to lower the rate My children and I were told they could refinance the loans into their name which is not true As an example for a ~12k loan have paid over 20k and thats one loan. 

How can the Federal Government allow this its a horrific situation in America our kids n parents drouning in debt while XXXX attend at no charge. 
I have been trying since XX/XX/2012 to get XXXX XXXX to be reasonable but they told me only my death resolved the debts other than paying them off, the large amount has lowered my credit score from XXXX to XXXX despite a perfect credit history. 
I pay on time but the loans are getting larger. 
The Federal Government needs to step in and put an end tp predatory practices and SCAMS by XXXX XXXX XXXX agencies We should be able to get our American children the best education in the world without such immense debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
ON XX/XX/2018 PORTFOLIO RECOVERY ASSOCIATES RESPONDED TO CONSUMER FINANCIAL PROTECTION BUREAU CLAIM # XXXX. 

ON THE COLLECTION OF XXXX/XXXX. THEY STATED TO YOUR DEPARTMENT, PER THEIR RESPONCE THAT THEY REQUESTED TO ALL CREDIT BUREAUS THAT THE COLLECTION BE DELETED. HOWEVER THEY HAVE NOW REPORTED THE SAME COLLECTION WITH A DIFFERENT ACCOUNT NUMBER TO XXXX. 

XXXX IS REPORTING THIS DERROGETORRY ACCOUNT UNDER THIS ACCOUNT NUMBER. ( XXXX/XXXX PARTIAL ACCT # XXXX. ) IT IS IMPERATIVE THAT PORTFOLIO RECOVERY ASSOCIATES DELETES THIS NEW ACCOUNT, AS IT IS THE SAME COLLECTION THAT REPORTED TO THE C.F.P.B THAT THE COLLECTION WAS TO BE DELETED. 


PORTFOLIO RECOVERY ASSOCIATED HAS DAMAGED MY CREDIT WORTHYNESS, AND THE C.F.P.B SHOULD PROSECUTE THESE PEOPLE FOR MISLEADING AND PROVIDING FALSE INFORMATION THE A FEDERAL AGENCY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The XXXX XXXX XXXX called my husband and he gave me their number to return their call. When I did it never rang and the man who answered knew who I was before I gave any identifying information. He never identified his name or that he was calling to attempt to collect a debt. He then claimed he was calling on behalf of an attorney to collect a debt owed to XXXX XXXX from XX/XX/2008  in the amount of {$370.00} dollars. This information can not be confirmed by the bank or the consumer reporting company they utilize. When I disputed the debt as I've never been notified of it or had it on my credit report he claimed the bank could never report the debt because I had moved multiple times since XX/XX/2008 and that they contacted me at an address in Florida I've never lived at. He also claimed they had preformed a federal background check on me because they're a law firm and they can do this while the bank can not when I questioned why I hadn't been contacted in the last 10 years. He then went on to threaten me stating that he was putting me down as refusing to pay and they would be reporting this debt to every one of the credit bureaus as well as XXXX and my current bank account would be shut down immediately. He went on to state he knows I'm very intelligent and that I don't want my credit ruined over this.

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 2018-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
Reference Account Number XXXX VIN XXXX Per my lease with BMW Financial Services , I am allowed to transfer the lease to another individual via the lease assumption process. 

Upon attempting exercise this option in XX/XX/XXXX, I was informed by BMWFS that they would not allow me to move forward as BMW had temporarily stopped new vehicle sales for this model. 

The lease does not allow BMW to prevent the assumption of a lease due to a voluntary stop-sell of new models. Despite informing BMWFS of this, I was told I would have to wait until sales resumed.

Once BMW began to sell the vehicles again, they permitted the assumption to proceed in XX/XX/XXXX. At  this point, their breach has caused me to incur financial losses. 

I am requesting BMW refund all payments made during the period during which they would not allow the assumption to proceed ( which I perceive as the breach period ), as well as refund the assumption fee to cover some of the additional holding costs incurred during that time ( insurance, vehicle registration, etc. ). 
Request BMW refund : Assumption fee : {$540.00} Lease Payments during Breach Period : {$1200.00} ( XXXX XXXX ) Total Request : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: TX

Complaint narrative:
XXXX XXXX XXXX  is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.

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 2018-05-15 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
A charge of XXXX from XXXX was charged to my USAA visa XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. This was to oay the XXXX and {$100.00} toward a balance transfer that is not currently accruing interest. I was charged interest om the XXXX for XXXX and XXXX. USAA denied my right to pay this interest bearimg charge, and claims that I was unable to pay this until the XXXX statement, when I spoke with them today, XX/XX/XXXX. I believe this is an unfair practice. I should be allowed to pay interest bearing purchases as soon as they are charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account was original with XXXX 's XXXX and they was sold to another company. I have paid this account with the collection agency. I have called and let them know so far nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took out a loan from Wells Fargo to pay for my XXXX  XXXX XXXX in XXXX. I made the first payment in XX/XX/XXXX as scheduled. The loan is for {$36000.00} private at a rate of 8 % and a Federal loan of {$5000.00}. I paid Wells Fargo on time each month for ten years and then the loan was transferred to XXXX in XX/XX/XXXX. The paperwork I have says the starting balance was {$37000.00}. In XX/XX/XXXX the loan was sold to XXXX and the balance was {$28000.00}. I called XXXX this last month and they sent me all the payment information from the date that XXXX took over the loan. I called Wells Fargo for payment information from the inception of the loan and they deny that I ever had a loan with them as did XXXX when I called them even after I explained that I was looking at a total accounting of the payments I had sent them. Using an amortization table I found on line I estimate that this loan should have been paid off over three years ago with what I have been paying each month. XXXX says I still owe {$19000.00}. I strongly suspect that when Wells Fargo rolled the loan over to XXXX ( which I believe is owned by Wells Fargo ) they started the loan over again - but when I questioned them about the loan they deny I had one with 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 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid off my credit card with Capital One online, an amount of roughly {$10000.00}. I was told that I had a pending charge of {$23.00} on XX/XX/XXXX, so I spoke with a representative to pay the balance off, and I was told that my account was paid-in-full and there were no additional charges/fees.

On XX/XX/XXXX, I received a notification from Capital One stating that I have an interest charge of {$41.00}, even though I was told there were no additional charges/fees on my account. I spoke with a manager, and I was told the charges were applied because of residual interest charges, and the charge would not be waived. I explained that telling customers their accounts are paid-in-full and then applying an interest charge after the fact is misleading and not a good business practice. Supervisor responded by saying the charges will stand. 

I was a customer of Capital One for well over a decade, and this is how I was treated. I was given misinformation, and the company couldn't understand their wrongdoing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
on XX/XX/XXXX loan depot, agent XXXX XXXX, called me while I was driving to see my sister who was very ill. Note : loan depot had called me several times and I had informed loan depot that I was not interested and did not listen to any offer. On XX/XX/XXXX, a XXXX XXXX me telling me what Loan Depot could do for me. XXXX informed me after getting info from me that He would be able to refinance my home. The end result is that Loan Depot did the bait and switch. ( refi amount, interest rate, etc. ) XXXX said no problem getting the loan, BUT, he would need {$490.00} for the appraisal. I did not feel good about this but XXXX was very aggressive and informed me that I would get the money back at the closing. I FEEL XXXX XXXX WAS FRAUDULANT IN HIS APPROACH. I could write several pages as the only thing I want back is the {$490.00} appraisal fee. I have contacted Loan Depot and gave me a song and dance about why I would not receive the money back. 
I do not want any more contact from Loan Depot as they are fraudulent in trying to get owners to refi. ( can not be trusted, preying on seniors. I have contacted ATTORNEY GENERAL of STATE of MINNESOTA. I want Loan Depot to be banned from doing financing in Minnesota. I want {$490.00} back plus a penalty because of their fraudulent approach in my case. please contact me ASAP. I am a senior on limited income, I can not work due to injury. I received no copy of an appraisal. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: TN

Complaint narrative:
NPAS continues to make collection calls to me for a non-existent debt with XXXX Hospital in XXXX Tn. 

I do not have any outstanding debt with XXXX Hospital. I have told them MANY times, I have filed complaints with the XXXX. 

NPAS continues.

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was original with XXXX XXXX XXXX and they was sold to another company. I have paid this account with the collection agency. I have called and let them know so far nothing has been done.

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 2018-05-15 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: NY

Complaint narrative:
Experian is reporting two ( 2 ) collections on my credit report that has been paid and this is causing my scores to go down. 
The accounts are XXXX XXXX and XXXX XXXX XXXX in the same amounts of {$140.00}. They are not reported on XXXX  and XXXX   because they were removed as payment was made for these accounts.

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 2018-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I purchased this home approx 10 years ago and was initially required to pay PMI because of the low down payment I made. Now, the LTV is approx 65-68 % and the company ( Mr Cooper ) is fraudulently refusing to discontinue the PMI deductions. In fact, the LTV Passed the 80 % mark several years ago so Mr Cooper has  illegally taken my money for quite some time. When I tried to get them to fix this they made up facts and tried to tell me I should refinance with them using their streamlined process and that if I agreed to refinance with them theyd see what they could do about the PMI. They also told me there had been no recent sales in the area ( this is absolutely untrue ) - This all sort of sounds like extortion to me. There have been several homes sold in the neighborhood, some that they have services the loans for, so they know the truth and yet they still take the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
amex has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
I leased furniture with a company called Acceptance Rentals I returned the furniture all of it they keep stating that I kept a mattress which I did not I have a invoice from them that states all items were returned they keep harassing me telling me I owe them monies for leased furniture I have asked them several times to stop contacting me and they keep sending me emails and asking me to pay what owe they are even reporting incorrect information on my credit report. I have asked them to provide proof that I have the furniture they claim I have but they do not the emails are on a daily basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
WFHM is conducting business as usual, once again laughing in the face of the CFPB and customer. 

As you recall XXXX XXXX did not recall the name of the settlement company, their telephone number and only had an email address which was confidential and not provided when I requested. 

It was never mentioned to Pay Off the Debt. It was stated that WFHM do the right thing by its customer, settlement was even addressed. XXXX XXXX pretended not to know what the situation was, avoided this main issue, and provided 50 plus pages to do so. 

Today XXXX XXXX vindictively and maliciously trying to be hateful and hurtful discloses what has been the truth all along? 

Had XXXX XXXX came forward with this Pay Off the Debt, information there would have been no foreclosure. 

In addition, XXXX XXXX is now disclosing that the settlement was in fact enough to Pay Off the Debt, pay off the mortgage. The million dollar question is why did WFHM not Pay Off the Debt?

Why did WFHM not disclose this Pay Off the Debt information before the foreclosure took place? I had no idea it would have paid off my mortgage. Isnt that what would have happened? While I was begging to have the foreclosure put on hold until WFHM make Good their mistake, error and bad treatment of a customer? 

XXXX XXXX even called me today to say I have a solution, and tell me they WFHM are not going to Pay Off the Debt?

An answer needs to come forth as to why WFHM thinks it is OK to conduct business this way? This answer needs to come from XXXX XXXX and XXXX XXXX XXXX. In addition, why was this not done during your first thorough investigation and fifty plus pages?

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I made payment arrangements with Client Services regarding XXXX XXXX XXXX, XXXX. to settle the account in full under the condition that they would remove the account from my credit report. The company agreed. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a year. They also have told the credit bureau that the account is reported accurately and that is not the case. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having XXXX XXXX XXXX XXXX/Client Services remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so it needs to be removed from my report. Account Number XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : XXXXXXXX XXXX XXXX, took payment to close this account on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation