vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was involved in the Transunion glitch where they deleted inquiries on my report then reinserted them without giving me a five day notice I have yet to receive a notification. After a long phone call to Transunion that included an argument with two different representatives one claiming to be the manager they told me that I wasnt a victim and would not remove the inquiries from me report. There are 15 in total!! 
XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX card ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX )!! 
I didnt authorize these and I would like them removed.

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 2019-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Good Evening. Can you help me understand this? I recently noticed a collection accounts on my credit and I immediately called and make the payment to get the item removed from the credit report. So under duress, I went ahead and paid as agreed anyways> PLease ensure that this is removed from all the 3 major credit bureau. Also, there are multiple errors with the way this account is reporting on the 3 credit bureaus. How is it possible that same account is reporting different information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: VA

Complaint narrative:
For a couple of years now, Penn Credit Corporation out of Pennsylvania has been seeking compensation for a debt that has been settled. In XXXX, I left my previous college institution of XXXX XXXX University. I transferred to my current college institution in XXXX, which required a transfer of my official transcripts. After I left XXXX XXXX, I paid off my tuition to the college as in order for them to make the transfer of my transcripts ( as it demonstrates within their policy ), I needed to have fulfilled my financial obligation with the University. In XXXX, the aforementioned Penn Credit Corporation contacted me stating that I owed a debt. Which is not possible, based on the information already provided. Though they ceased contact after I demonstrated to them twice that that debt was fraudulent, they recently in XX/XX/XXXX, re-attempted to collect money for this fraudulent debt. In my letters, I not only used their client 's own policy, I also informed them that I have my transcripts available ( which I do not have to share based on the Privacy Act ), and I also provided information directly from the U.S. Department of Education. 

Early XX/XX/XXXX, I also reported this organization to the XXXX XXXX XXXX for their tactics and attempt to collect a fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
My mortgage has transferred to different servicers a few times. I had set up bi-weekly payments to reduce my interest burden. 

However, I recently noticed a message reporting partial payments are not applied to the loan but instead held in a separate suspense account until the balance is fulfilled and then it is applied to the balance. 

Is this legal? We live in Hawaii. I would think they must be benefiting from my extra money being held in there suspense account, in the form of interest in their favor. They surely must be generating interest on it. 

This defeats the purpose of bi-weekly payments. This strategy by the mortgage servicer is impeding the client/consumer/home owner from reducing interest on the mortgage and the length of the loan. 

I am very upset to just learn this. I feel this is wrong and should be illegal. It is my understanding that I am allowed to pay off the loan early and this practice inhibits it. 

I am upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I placed a freeze on my credit reports through XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX which covers both XXXX and Equifax on XX/XX/2019. 

On XX/XX/2019 Equifax allowed allowed an unauthorized inquiry of my credit report. I emailed their customer service on XX/XX/2019 when I was notified and let them know that I did NOT authorize this and that my file was supposed to be locked and wanted the inquiry removed and no further inquiries allowed without my permission. 

They emailed back and said to file a complaint online but their online system will not let me file a complaint. I emailed back and told them this and got no response. In addition I called them and they won't file a dispute or remove the inquiry. They won't even assure me that this won't happen again even though I have a freeze on my report through XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PMAB,LLC
State: SC

Complaint narrative:
Hospital XXXX and doctor care. This been take care by my insurance company therefore they need to stop call me late at night and harass me about this outstanding bill therefore it need to be removed off my credit report immediately and permanent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have Received a loan I applied To from Oportun. They have been harassing me and my family in regards to payment. I had Lost my job, my father passed away, my interest went up and it keeps going in even tho Im doing payments, I dont think Its fair that they are harrassimg me and my family when I am Trying to work things out. I am Being threatened that I will Go to jail or that they will sue me. I consider that as being illegal when I am Working with them in paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have reached out to the company and explained to them that I had moved out of residency well over a month until the bill was canceled I also had issues as far as mentally and as well as emotionally with the death of my grandfather and such as well they have record that on the date I moved out I had called to set up a payment plan but evidently not to cancel my bill I have expressed that I have written letter from the landlord stating I had moved out on the XX/XX/XXXX if I have written documentations from the apartment management stating I moved out on the XX/XX/XXXXXX/XX/XXXX2017 they should at least have the decency to retro act the bill for the times I was not living there essentially they are billing me for services that were never used do to the fact I was not living there at least if the company in my opinion and any class and any respect for the customers they would rectified the amount due but they don't want to do it because I supposedly did not cancel for another 1 to 2 months ...

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 2019-02-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}

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 2019-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
My credit card account was suddenly and unexpectedly closed. The company cited my credit score as  the reason why it had closed the account. I've always paid the account on time and did not authorize any credit checks. The company XXXX is located in XXXX XXXX XXXX, Utah and uses the name XXXX XXXX XXXX. This is further part of harassment that I'm being subjugated with while in Arizona.

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 2019-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MN

Complaint narrative:
On XXXX i spoke with a total of 9 representatives from Discover on trying to seek an answer. The departments they were from was Account Managers and Account Opening Specialists continuing to bounce myself back and forth. I am trying to figure out if my husband and i are permanently blacklisted from ever having another Discover card again. 

My husband and I both had Discover cards in XXXX which were closed back in XX/XX/XXXX if i recall correctly, by Discover. Per a rep i was advised our accounts are marked as " Revoked/Closed. '' My husband has a XXXX balance with 100 % payments with Discover. Only remark is " Account closed by XXXX XXXX. '' I am in a similar boat only difference is i am still paying my balance off but 100 % payments made with every lender including Discover.

Any time one of us tries to apply with Discover or attempts a Pre-Qualification we receive the same denial reason " Unable to offer due to existing or prior relationship with Discover. '' I have spoken to quite a few reps and spent quite a bit of time trying to figure out an answer but can't receive a definitive answer. Are we both blacklisted from Discover now because our accounts were closed by Discover? One rep suggested applying in 7 years since thats when bad remarks fall of credit reports. However our Discover accounts never went to collections, never missed payments, weren't charged off. Just closed and either paid off or currently paying off. I called again and asked how long Discover keeps the " Revoked/Closed '' Status in their system and was advised its permanent. Essentially my understanding is we will never be able to obtain a Discover card again if i am understanding correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}

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 2019-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc
State: CO

Complaint narrative:
Bay Area Receivables is a collection agency from the State of Maryland who is reporting two collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2018 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Bay Area Receivables is not a licensed collection agency in the State of Colorado. The address for Bay Area Receivables is XXXX XXXX XXXX XXXX, XXXX MD XXXX, telephone number is XXXX. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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: TX

Complaint narrative:
XXXX was my loan servicer provider for almost 4 years, my loans were consolidated before I started to make payments, and Ive been making consecutive on time payments under an IDR plan ever since. I applied for PSLF ( Im a XXXX XXXX XXXX ) and I got into the program, so my loan was transferred to XXXX on XXXX, XXXX. As soon as my loans were transferred I received a letter welcoming me to XXXX and to let me know that I was going to be receiving a letter stating how many payments were going to count towards my forgiveness. I never got the letter, but I did noticed on my statements that my loan was showing in two parts, the subsidized and the unsubsidized portion. The subsidized portion showed 0 payments and the unsubsidized showed 44. I did not understand why was that happening so I called them and they were not able to tell me the reason, so they submitted a review for my account, I called them once a month for a whole year and they told me that it was taking longer than usual to review the accounts. I finally got a call from them on Monday, XX/XX/XXXX they wanted to let me know that the review was ready and that the number of payments remained the same, but they were not able to give me an explanation. I didnt got a letter or anything from them. I still dont understand what is happening, I have all my payment history and my bank statements showing all the payments and it makes no sense to me that if the loans are consolidated they have a different number of qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX  Credit Card - secured and silver are reporting my credit cards ever 7 days lowering my credit score and lowering my ability to maintain my credit. 
Please see attached how TransUnion refuses to properly add back my points even though I am paying off my credit cards and have lowered my debt-to-income ratio!

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 2019-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed a dispute for an unauthorized charge to my debit card, the charge was made on XXXX for 100.00, I contacted XXXX and was told that they will no reverse the charge, I contact Navy Federal credit union and filed a dispute. I receive a notice on or about XX/XX/2019 stating that their investigation was completed and the temporary credit was charges back to 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 2019-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Joseph M. Tobin, PC
State: CT

Complaint narrative:
I had debt on a credit card in XX/XX/XXXX-XX/XX/XXXX. I was in a financial nightmare. I still am trying to dig out from the debt. XXXX XXXX had sent me a credit card ( XXXX XXXX Card ) I used it iin faithfulness of trying to keep up with the minimum payments. When it became to much I called them and they wouldn't work with me therefore I went into collections. Im XXXX and lived on a fixed budget. I can not hire an attorney so I wrote the CT Attorney General concerning this law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N.YXXXX. They sold this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. These attorneys sent me a threatening letter saying they can garnish my wages and they are taking me to Court for this debt. They attached some of the charges I used and the amount that I owed {$2000.00} They have failed to mention the attempts of me contacting XXXX via phone. I have sent their names to the Attorney General XXXX in CT but I want the whole story clear. The Attorneys in above lines have made me very upset and as I struggle to make what was a bad time right now with paying other credit cards that were willing to work with me these Attorneys are causing me undue stress as well as the collections company who hired them XXXX XXXX. There is a statue of limitations and this is XX/XX/XXXX, when in fact XX/XX/XXXX all communications with XXXX  back stopped.Please advise I am placing a complaint against behavior as this. I tried to come up with a plan on the phone with XXXX XXXX  but it couldn't happen they destroyed my credit and now they are trying to destroy what credit I have built back up.

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 2019-02-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a potential debt for XXXX XXXX XXXX XXXX on my credit report from XX/XX/XXXX. It says that it is from XXXX XXXX XXXX in which I was not in an ambulance in XX/XX/XXXX. I requested more information on the debt from all credit bureaus and have not received anything. With all disputes resulting in the collection saying that it is verified but no information AT ALL. The beginning of XX/XX/XXXX, It was deleted from all reports after filing another dispute in XX/XX/XXXX asking for more information again. Today it reappeared on my Experian report. I have not received any notice of this account being added back. The account is still not on the other two but do not know what to expect. Why am I being denied more information on an account that is on my credit reports?

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 2019-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
XX/XX//2019, I was checking my credit report and there was an account that was given to collections about a bill that I do not know anything about and I never received any statements from original credit - for health care services. I've worked on cleaning up my credit report so that I could purchase a home and this account was not on my credit report ; now it is showing on the report. 

I never received any statements or letters about this and I was unaware of this account. I have tried handling this on my own, except my complaint is with the Original Creditor and the Collections Agency. 

I do not appreciate a place of business XXXX XXXX that does not send you notification or statements pertaining to a bill ; especially if you are not aware of it and they turn it over to a collection agency.

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