vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax, XXXX and XXXX have a Bankruptcy listed in my/our Credit Files ... ... ....!! 

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XX/XX/XXXX, the same year someone filed a XX/XX/XXXXFederal Tax Return in my name only, and we have filed a JOINT Return since XX/XX/XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XX/XX/XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Dear CFPB Leadership Team, I am the co-signer on 3 private student loans regarding my son 's ( XXXX XXXX ) attendance at XXXX XXXX College where he graduated with a XXXX XXXX XXXX   degree in 2011. Since then, my son has worked very hard to be accepted into the XXXX Department at the XXXX XXXX XXXX. 

After he graduated from XXXX XXXX, and before going back to college, he landed a full-time job and faithfully paid on his student loans for about 2 years. At some point the 3 private XXXX Bank student loans were combined into one payment. Later, there was a transfer of his accounts to XXXX XXXX. XXXX had returned to college by then and XXXX XXXX did not know he was again a student when the accounts were transferred to them. I had to plead with them to no avail about his need for deferred status while in school and eventually the MN Attorney General 's office became involved to help advocate for a student deferral and XXXX XXXX granted the deferment. Now we learn the transferred accounts have been taken over by XXXX and they want immediate payment. I pleaded XXXX 's case again with XXXX and explained that XXXX XXXX granted the student related deferment, but now XXXX phone people state that XXXX follows the original XXXX Bank arrangement and won't help XXXX with a student related deferment. The three combined payments they want is approximately {$480.00} per month. 

My son does not have that kind of money right now and neither do I. Again, he faithfully paid on his loans after graduating from XXXX XXXX. Also, it is much more difficult to secure student loans for a second XXXX XXXX degree compared to loans offered for upper level degrees which are more generous with the dollar amounts given. An XXXX XXXX degree is much too difficult to achieve when XXXX  wasn't your XXXX degree, hence my son is working for his XXXX in XXXX XXXX. 

Thank you very much for your time. I have also written again to the MN AG office and they advised it is wise to also contact your office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
On XX/XX/2018, I, XXXX XXXX called Fair Collections and Outsourcing ( FCO ) in an attempt to have a paid collection removed from the XXXX credit report. Operated stated that Fair Collections does not remove such information, I asked to speak with a supervisor. In speaking with the supervisor, the same statement was repeated, that Fair collections and Outsourcing does not or can not remove or update information. I informed FCO that I would be filing a complaint.

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 2018-10-24 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: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
I was a student at XXXX college and paid {$5700.00} for first quarter and second quarter I took out a loan in the amount of $ XXXX.XXXX College closed their doors without notice to students. XXXX attempted to do a teach out but was denied by state XXXX XXXX. Students have lost credits which are not transferable to other colleges and we will not get our money back on previous amounts paid to that school. Never once was I informed I had a balance while attending school. They closed their doors, no one can be reached to answer questions, and they send students to collections without explanations to why balances are owed. When I contacted Key 2 recovery on the collection balance I was told by XXXX it was in my best interest to pay or it would be reported to the credit bureau. I am seeking help to resolve this issue. XXXX never notified me I had a balance thru email, mail or as a student. I think it is unfair as to the way everything with the closure has been handled and at the end we lost credits, money and now threats from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Inquiry XX/XX/2018 - XXXX and Experian is reporting - This was an unauthorized inquiry not authorized by me.

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 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Clark County Collection Service
State: NV

Complaint narrative:
Hello.. 
I was living on a XXXX XXXX XXXX XXXX  for 2 years, I decided to move out cause that manager on charge give to much stress when left an apartment she comes to supervise and I am not left an apartment dirty, left some furniture cause no to much time for move out they charge for everything they do in that apartment, that manager that time threat me they gon na suid me for a lot money I told them I have my security deposit and she continues yellow me is gon na be more I reply her is no nice she yellow me and treat me, after few months I find out they sent to collection with hight amount the XXXX without noticing me. they keep my security deposit plus my dogs deposits, I try to contact them to ask where my security deposit they say they suppose sent to a collection department, I was call collection department they say they did not get it any security deposit from them they put one vinyl change some other charge damage was done a maintain guy who working for XXXX XXXX I go attach a breakdown charge and collection number, I I appreciate you guys help in this case Account Details Bureau Name XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$4200.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported phone number XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX NV

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
About 2 months ago I applied for a Loan Indulgence which was not approved to me, the same day, the same representative who answered me by phone told me that I could apply for a Payment Arrangement and that when it was approved all the late payments that already I had accumulated, that they were like 2, they would disappear. I was waiting, 15 days, I had no answer and I called them, supposedly the application was pending. They spent almost 2 months, which I have been calling every 10 days to know about the application and they always told me that it was pending. It turns out that today XX/XX/2018, almost 2 months later a representative tells me that the payment arrangement had not been approved because " I ALREADY HAD NO BENEFITS '', that is, why did not the first person tell me???? It turns out that I ask to speak with a MANAGER and I explain everything again, in the end it tells me that my PAYMENT ARRANGEMENT application had not been approved because I had not put in the form how much I was willing to pay!!!!!!! How is it possible!!! That is, if I lack information in the document, what is fair and professional is that THEY call me and inform me!!!!! NOOOOOO, I kept accumulating late payments, they were reporting to my credit and finally they sent the account to a collection agency. 
I want to make a retroactive work in my account, to listen to ALL MY CALLS MADE IN THE LAST 2 MONTHS, to see that I have not stopped communicating with them trying to find a XXXX solution to that account. After they explained to me that my benefits were exhausted, they invited me to apply for a Payment Arrangement in which I had to fill out a form and send it. Apparently 2 months later, I discovered by one of the managers, that my application for a Payment Arrangement was not approved, BECAUSE I DID NOT PAY THE AMOUNT OF MONEY THAT I WAS WILLING TO PAY EACH MONTH! It is my responsibility to fill out the form correctly, but it is also the responsibility of this company to inform its customers when there is an error like this. I was never informed that my application was incomplete, I was never informed that my application was denied, after 2 months and after my account was sent to collection, after requesting to speak with a Manager, I learned all this. It is a lack of professionalism on your part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XX/XX/2018 I have spoken with XXXX to inform, I receive XXXX/XXXX benefits. I am also a veteran. XXXX informed me she would take of the account. I have not heard from XXXX to confirm account is taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
PLEASE READ. 

I purchased a XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX.with an interest rate of 14.99 %. Financed with Santander Consumer. It is now four years later and I still owe {$17000.00}. This is for a 72 month term. 

This interest rate is just to high and they have charged me {$810.00} in late fees. 
. 

*I 've asked them to refinance the interest rate to 8 % and they refused. The car doesn't even appreciate at the balance they say I owe, I will be upside down $ XXXX and with XXXX kids I can't afford ... and they keep adding fees.. 
( CAR IS OVER PRICED ) IT WAS A RIP OFF..AND THEY KNOW IT. 

*I have asked them to remove the negative late remarks from my credit report so that I'm able to buy my home and they refused.. I can't get them to do anything ... I don't know where else to go except the News media. 

*I 'm currently trying to buy a home and have several late charges from them due to circumstances with my divorce. The late 's that they have reported to the credit bureaus on my credit report are stopping me from buying a home ... This is the only thing on my credit report that's hurting me and my kids. my lender said that unless they have them removed from my credit report, I can't buy a house for 3 years ... .This would affect me and my kids lively hood. 

Can someone please carefully read this and research. I DON'T THINK THIS LENDER IS FAIR AND I THAT THEIR PRACTICES ARE FRAUDULENT ... .THIS IS LOAN SHARKING AND A SINGLE MOM CAN'T AFFORD THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I've been told by my point of contact XXXX XXXX # XXXX my file has been in underwriting since XX/XX/2018 and I would have a decision within 30-45 business days it is now XX/XX/2018 and still no resolution of response. I have called weekly to check on the status of the modification and I get the same response week by week there is no resolution we will escalate the issue but no response and XXXX point of contact has failed to reach out to us. We have been complaint to all of the request and would like a resolution asap. I also requested to speak manager XXXX XXXX # XXXX and he is never available to speak to according to representative. I need your help in resolving this issue. I feel they keep prolonging the decision to collect more money from me. I am more and more delinquent on my loan the longer they take to give me a resolution.

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 2018-10-24 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NV

Complaint narrative:
Lexisnexis removed bankruptcy from my credit file for XX/XX/2015 bk XXXX Al. XXXX  is stating when they verify with lexisnexis it shows accurate. I need them to communicate and get resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: TN

Complaint narrative:
" " '' I have disputed this collection on thisXXXX & XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello. I am filing a dispute against Capital One with the claim of False Advertisement for one of their products ; the Capital One Quicksilver card. In XX/XX/2018 I applied for this card because it was advertised 0 % APR on purchases for 15 months. Here is a hyperlink to the offer https : //www.capitalone.com/XXXX In the terms and conditions sections of the offer, which could be found in the hyperlink, it also states 0 % APR on purchases for 15 months https : //www.capitalone.com/XXXXXXXX XXXX XXXX. I applied and received the credit card based on that advertisement. 
In XXXX this year I was charged an interest payment of {$54.00}. I called Capital One on this date and spoke with XXXX ID : XXXX. She notified me that I received terms of conditions in the mail that stated my 0 % interest rate expired, and that I received terms and conditions which reflected my 0 % APR was only good for 9 months ( I do not recall receiving this notification ), not 15 months. She also stated that only qualifying members receive 15 months of 0 % APR on purchases. My disputes can be summarized with these points : After discovering the interest charge, I was notified by multiple representatives that the 0 % APR on purchases was for " up to '' 15 months ; however all advertisements state 15 months with no asterisks. I applied for product under terms and conditions that the 0 % APR on purchases was for 15 months, and all advertisements and terms and conditions of the application state that. Finally when Capital One states that I received terms and conditions that state my introductory period was less that 15 months, I not only deny that claim but again direct you to the terms and conditions that are stated online. Once again, no where in the Capital One Quicksilver Card disclosures does it state that the 0 % introductory rate is " up to '' 15 months ; the card was applied for and received based on the advertisements and the disclosures. I would not have applied for the card if 0 % interest rate for 15 months was anything other than advertised. I request that you review the hyperlinks and conclude whether or not there a reasonable person would believe that the Capital One QuickSilver Card comes with a 0 % introductory rate for 15 months. Thank you. 
https : //www.capitalone.com/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc
State: OH

Complaint narrative:
I have received two phone calls from Eastpoint Recovery Group ( XXXX ) for a debt that belongs to my mother ( XXXX XXXX ). The first call was on XX/XX/18 and the caller left a message. Message stated that I " needed to contact the office of XXXX XXXX regarding a formal complaint filed by one of my clients. Please be advised that my client is adamant with respect to their assertions. I'm hoping you can come forward and provide a statement. I'd like to speak to you before this becomes a public record. '' This message never mentioned a collections agency or that a debt was being collected. After searching the phone number on the internet, I assumed this was a scam by someone pretending to be an attorney. 

The second call was on XX/XX/18, which I answered. The call came from the same number and was the same voice. I told the caller that I was the daugther of the person he was trying to reach, to which he said I needed to make her call him back. I then asked who he was with, and I was given the Eastpoint name. The caller stated that he had tried to reach my mother XXXX stated correct cell phone number ) and had failed. And that if she didn't contact him, they would serve papers. The caller implied that a lawsuit had been filed in XXXX county OH ( family lives in XXXX county OH, original debt was owed to a company in XXXX County OH ). I told the caller that he wasn't giving me any information that couldn't be found on the internet and I didn't trust him. I told the caller that I couldn't verify their phone number or find a XXXX XXXX in any attorney database online, the caller started shouting at me that " this call is recorded and I never said I was a lawyer '' ( see voicemail above, caller implied he worked for an attorney. Has also now stated he was filing a lawsuit ) and screamed that I can't rely on the internet, that if I had called back, I would have been able to verify the number - to which I responded that scammers use that tactic. As he continued to yell at me, I told him not to call my number again and that I would forward any future calls to my attorney then hung up. 

After speaking to my parents and relaying the above information to them, I was told this is in regard to a debt that has already been settled directly with the original company. This information has been relayed to the collector on multiple occasions. This XXXX XXXX continues to harass me, my mother, my father, and also calls the family business. He often shouts on the phone and implies that he works with a law firm, that he will be filing a lawsuit, and other harassing tactics. 

I have reported this complaint with Eastpoint Recovery as well.

Company response to consumer: Closed with explanation