vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.

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 2020-02-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Noticed an unauthorized charged form a cell phone company I have no account with disputed it funds were returned then the following it was taken out my acct again contacted the bank and was told that the investigation was done and my chip was tracked to location which is impossible I contacted the merchant who also offered to give a statement to police stating they never received transaction from me or on the day in question period and I have a case number I'm able o provide which the bank refuse to acknowledge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Delta Management Associates, Inc.
State: NM

Complaint narrative:
For over 5 years now : This company is BULLYING me, my family, my friends, and my inlaws with phone calls using threats and profanity trying to find me to collect student loans that I am currently paying off to another company ( XXXX ).  XXXX XXXX is the person doing it. XXXX ext XXXX Tactics used : 1 ) Misinformation.

2 ) Bullying : harsh language, threats, profanity.

3 ) Giving my private information to others.

4 ) Harrassing non relevant people like my friends and in laws.

5 ) Harrassing my place of work asking for social security information, wages, and health issues.

6 ) Now they are threatening wage garninshment using a different company called XXXX, If I DID owe Delta money, why is XXXX being used for illegal wage garnishment? This is a scam.

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 2020-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.

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 2020-02-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I paid off a no interest promotional account with XXXX XXXX/TD Bank account with XXXX XXXX on XX/XX/XXXX. I had to cancel the automatic payment I had set up in order to pay this account off. It would not let me schedule a payment without canceling this. I received a notice that my account was due on XX/XX/XXXX through email notification that I had set up. I checked my account and it showed a XXXX balance. On XX/XX/XXXX they added a deferred interest charge that I was unaware of of around XXXX. When I received a phone call in XX/XX/XXXX I was told that the account had to be paid off by XX/XX/XXXX I believe in order to have not accrued any interest. On XX/XX/XXXX I paid XXXX to pay this account off again. They were refunding a XXXX late fee. In actuality they did refund this and reapplied it to the account the same day without my knowledge plus 1.35 in interest. XX/XX/XXXX they charged a late fee of XXXX plus 1.00 interest, XX/XX/XXXX XXXX late fee plus 1.00 interest and XX/XX/XXXX XXXX late fee which brought my balance back up to XXXX. I spoke with a representative once again, who advised that this was due to the initial late fee being applied back to my account on the same day it was removed and she would take care of this. Two weeks later I received a message again about my past due account. I called back and spoke with an extremely rude representative and once again I paid an outstanding balance of XXXX. Now 8 months later they have reduced the credit limit from XXXX dollars to XXXX and attached a negative notice on our credit report. I will never again use their service but I am requesting that this be removed from our credit report. I had this set up on automatic payments so as to never be late, had to cancel this in order to pay the account off, and then had to actually pay it off on three separate occasions due to what I feel is deceptive policies and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Threatened to provide information to my grandmother after being advised not to call her phone number anymore. The debt collector repeatedly keeps on calling her and advised her that I owe debt and call past XXXX in the evening sometimes XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: MD

Complaint narrative:
I received an email from XXXX XXXX ( XXXX ) on XX/XX/2020, requesting that I change the address of the payee ( Sierra Pacific Mortgage ). 

After complying, my mortgage payments were being debited from my checking yet not received by payee. 

I believe this email from XXXX XXXX might be a phishing scam. This is now effecting my payment status and credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ERC
State: OH

Complaint narrative:
This company has called me after XXXX and before XXXX on several occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I am having a problem with a collection agency which has called family and friends as well as my employer and left harassing messages and threatening orders of location and arrest. I have no idea what this even means. These messages have been sent to my employer and resulted in my employer bringing it to my attention alarmed. The recording of one such call was transcribed by XXXX and is provided via our company email. 

I have no idea of this collection agency and have called them and asked them numerous times to stop calling family and friends and to definitely stop calling my employer, every time I reach out to the company they tell me that they can do whatever they want and can call whoever they want and there is nothing I can do to stop them because the law is on their side. The women I have spoken with have been abusive and rude on the phone and have repeatedly threatened me with arrest and having a sheriff come out to arrest me. I tell them to provide validation of the collection and they tell me they are the validation! 

I am reaching out to this agency to help me put an end to this behavior from this company and to get them to provide proof on the original account or to remove this collection from my consumer credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
I submitted a request through the LexisNexis website to receive a complete and total copy of my consumer report. I received a letter dated XX/XX/2019 with a link and a PIN code and instructed to use these in order to obtain my report. The PIN code never worked so I contacted LexisNexis via telephone. The representative who answered my call said they would email me a new PIN code. The email never came. I called again and was told the same thing again and the PIN code never came again. I checked ALL folders of my email. I still want a COMPLETE and TOTAL consumer report of any information LexisNexis has to me but I want it printed out and mailed to me at my address as indicated in this complaint. No more PIN codes that do not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION
State: MN

Complaint narrative:
Onemain Im filing a formal complaint on your company due to the fact that per the Fair debt practices act your company is in full violation of the federal law after reviewing my credit report I noticed that you failed to enter the required noticed of dispute on the tradelines that you are reporting on my credit report. XXXX   and XXXX have both Certified that you have indicated that the account is reporting correctly on my credit files. I beg the different due to the fact that you have violated the federal law but not entering the required noticed of dispute with out this information this can not report on the consumer report I will he sending in months of dispute with both reporting agencies state that you verified the information and it was your responsibility to note this anytime a investigation has been conducted via the credit reporting agencies and the creditor the way this looks to me is their was no investigation was conducted please delete this account from all four of the credit reporting agencies for violation of the FCRA you have hurt my ability to obtain jobs and to get anything in my name by your negative and inaccurate reporting. Let me know when you delete this tradeline as the law is very clear about 100 % reporting. So I can obtain a new and updated credit report. 

Onemain account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
AFNI Last reported XX/XX/XXXX Open balance XXXX Opened- XX/XX/XXXX Account status- open Remarks- places for collections Original creditor name- 11 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
I submitted a request through the LexisNexis website to receive a complete and total copy of my consumer report. I received a letter dated XX/XX/2019 with a link and a PIN code and instructed to use these in order to obtain my report. The PIN code never worked so I contacted LexisNexis via telephone. The representative who answered my call said they would email me a new PIN code. The email never came. I called again and was told the same thing again and the PIN code never came again. I checked ALL folders of my email. I still want a COMPLETE and TOTAL consumer report of any information LexisNexis has on me but I want it printed out and mailed to me at my address as indicated in this complaint. No more PIN codes that do not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Assistance Inc
State: WA

Complaint narrative:
i9 went to court over XXXX XXXX XXXX becouse the XXXX lord that owned my building expected me to shell out XXXX dollars a month to live in a building that was falling apoart around all the tenants mold in the walls growing out the bottom ants every were no mater hoe clean everything was black oily substance leaking into my bath and shower water wich made it imposible to clean urself went to court and paid XXXX dollars to get out of the lease they shouldnt be able to charge me for fixing all those problems after i moved and thats what this collection is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sklar Law LLC
State: NJ

Complaint narrative:
On XX/XX/2020, I received a letter from Sklar Law stating that my wages are going to be garnished. The was no reason given, no prior notification regarding the debt. I did not receive any invoices, documentation of money owed or any other notifications relating to this debt. They added in this letter the name and address of my employer which I found extremely alarming. 
Also, the date of this letter was XX/XX/2020 stating I had ten days to respond. However, this document was mailed out after the date my response was required. 
I mailed a letter to Sklar Law and Superior Court certified return receipt requesting documentation relating to this debt and Sklar refused. His response to my request to provide proof was to call his office. However, I do not want to speak on the phone, I want everything documented. I am apprehensive asto whether this debt is fictitious. lso I'm inquisitive as to why the are hiding all information pertaining to threats of taking money from my paycheck. 
Most of all Sklar Law transferred my case from XXXX county Court to XXXX county Court for garnishment without notifying me I found out when I called the court and XXXX the court clerk said it was transferred to XXXX XXXX XXXX county. I  called his office and his assistant refused to provide me any information. Why are they withholding information as to why they are switching my case to various courts to take money from me without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank aka XXXX XXXX XXXX. Two accounts of the same type, marked " closed '', but were never open and never inquired about. One inquiry was on XX/XX/XXXX and the other inquiry was on XX/XX/XXXX. Then another inquiry from XXXX XXXX which is showing inquiry from XX/XX/XXXX. I have not made any attempt to apply for any of these services at any time. This is impacting my credit as a hard inquiry and I would like them removed. I have not contacted the company as I have looked up the issue online and came straight to 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 non-monetary relief
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cheadle Law Firm
State: TN

Complaint narrative:
I am going to cut / paste their latest response and break it down. You are attorney 's and don't seem to understand math : " The date of the initial communication was XX/XX/XXXX. The initial scheduled court date is XX/XX/XXXX. This is clearly more than 60 days from the validation notice. 3. There is simply no requirement that suit be delayed more than 30 days from the initial validation notice. The debtor merely has 30 days to dispute the validity of the debt and request verification. '' It doesn't matter if the court date is 5,231 days after the initial letter. Your previous responses, including the one yesterday specifically states : " The debtor merely has 30 days to dispute the validity of the debt and request verification '' Again, as I've said before, this law firm DID NOT afford me the entire 30 days to dispute this debt or contact them. They gave me 23 days ( from the date of the letter, not actually when I received it 8 days later ) and on the 24th day they filed a lawsuit in XXXX County. They robbed me of 7-8 full days to respond as required by their LEGAL signed letter as well as the law allows. I was robbed and not given that legal amount of time to respond as they filed early. In fact, I responded after I received their letter on XX/XX/XXXX through CFPB to dispute this debt with no response from them or their shady client ( XXXX XXXX XXXX ). Technically, since I didn't even receive their letter until XX/XX/XXXX I should have legally had until XX/XX/XXXX or later to respond. This date is proven by USPS Informed Delivery. I didn't receive this letter until 8 days later, 8 days past the date of the letter. 

It doesn't matter how you want to twist and turn the way you are trying to spin it ; the math comes out the same every time. YOU FILED 7-8 DAYS EARLY AND DID NOT AFFORD ME THE TIME TO RESPOND REQUIRED BY YOUR LETTER AND THE LAW. 

I'm not sure how more CLEAR I could be. This law firm thinks they are in the legal right to do what they did, however I have been told that their letter is a legal document and the letter even says I have 30 days. It does NOT say 23 days, it says 30. The law also allows me to dispute a debt within 30 days. The law does not say 23 days then we're filing a suit, it says 30, which I WAS NOT AFFORDED. 

CFPB : Please do something about my complaint instead of letting them respond with XXXX non-relevant information regarding my case then closing it like everyone has moved on. I am not letting this go.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, Since XX/XX/2020 Navient has reported me to as in default 43 times. I've called the company MANY and tried many times to lower my loans to an amount that I can afford but Navient refuses it. 

The matter here is that I've never taken more than 8 loans total for college and yet I've been reported 43 times in less than one month. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ftc report numberXXXX filed police report filed for XXXX XXXX credit card account numberXXXX amount XXXX date opened XX/XX/2018 credit buearu removed then it came back

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