vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: MA

Complaint narrative:
I Paid What I Owe Them. but They Did Not Remove IT From My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Girvin & Ferlazzo, P.C.
State: NY

Complaint narrative:
I have been receiving calls from Girvin & Ferlazzo, PC within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: MS

Complaint narrative:
On XX/XX/2018 I applied for an apartment in XXXX XXXX XXXX, FL. The apartment complex used a company calling itself XXXX XXXX to conduct a credit/background check on me. 

I received a denial from the apartment based on inaccurate information furnished by XXXX XXXX. XXXX is saying I have numerous apartment evictions on my Equifax credit report, and after contacting both XXXX XXXX and Equifax, I received conflicting information. This libelous inaccurate information is preventing me from securing housing and has caused harm to my reputation. 

Moreover, Equifax states they have no record or public record of me having any evictions but XXXX XXXX used Equifax to run its report. 

Further, XXXX XXXX says it would be 3-5 days before they can release my credit report to me. 

I accepted a position in XXXX Florida and need to relocate without the worry of inaccurate information placed on my credit report by this bogus company. I need this corrected asap because I will be homeless if unable to secure housing based on the inaccurate information provided to apartment complexes by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I sent a Lease payment to my landlord via XXXX quick pay service by Chase bank account using the payee 's phone number associated with his account for the amount os {$1200.00}. 
The payment went true according to the bank records but on the 11 day my landlord contacted me asking why my payment haven't been sent, I inquired with Chase and they stated that the funds were taken but my landlord denied receiving any, we contacted XXXX customer service they sent us to complain with Chase bank, whom told us to check back with XXXX, they said that the funds were somewhere on XXXX  XXXX XXXX and we needed to file a claim with XXXX.whom sent us back to Chase bank since the transaction were originated within. 
we ended up paying double on our lease plus a late fee of {$100.00} a day from the XX/XX/XXXXday of the month to the XX/XX/XXXX day equals {$600.00} totaling {$1800.00} Dls So far it has been 3 months and this issue still haven't been resolved from neither part for them the issue has been resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, XXXX, Trans Union ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Trans Union : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in  XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( Trans Union ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your TransUnion credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc.

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.

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 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, Experian, XXXX XXXX ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Experian : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in XX/XX/XXXX/XX/XX/XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( XXXX XXXX ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your XXXX credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc. 

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.

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 2018-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I have disputed these charges numerous times & no validation with my signature has been provided. 
After viewing a copy of my credit report, I noticed a collection account placed on my credit from Gold key INC in for {$210.00} & {$53.00}. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.

This company only sent me a letter saying it was validated by the creditor does not show where I signed for anything nor any kind of proof or validation. I have disputed this debt numerous times. I have no knowledge of these charges nor do I have a contract with gold key. No validation has been provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been receiving calls from XXXX XXXX XXXX, XXXX within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I called Navient to let them know that i would pay off loan # XXXX in the amount of {$500.00}. They agreed. Then my credit score went down XXXX points for XXXX and XXXX points for XXXX. 
Turns out that Navient took it upon themselves to spread the money out across all loans tgen raised tge amounts for each one with derogatory remarks on every one. 
After arguing until I XXXX coat hangers, i got them to fix it. Today ( almost 4 weeks later ) i see that they increased a loan from roughly {$1400.00} to over {$5000.00}. That screwed things up again now I've got to deal with these people again to try and fix this AGAIN! If this is what they do when you try to pay off your loans, how the XXXX do they expect to ever get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AES/PHEAA
State: SC

Complaint narrative:
Several years ago, i was misinformed of my deferment period to repay my student loans. I later returned to score, and resume course work. I had my previously loans consolidated. Upon checking my credit report, i noticed several late marks that drastically damaged my credit score. I attempted to contact the company who reported this listing via fax, mail, and over the phone. I wrong goodwill letters explaining the situation, and contacted a rep via phone whom just kept transferring me and ultimately saying i needed to dispute this through the credit bureaus which i've also done. My records on file show that these accounts are all paid in full, {$0.00} balance but have several missed and late payments that i would like to be removed, especially due to the status of those accounts at the time. Please see that this request is honored and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I recently checked my credit report on XX/XX/XXXX XXXX and saw a collection account on my credit that I never had. The collection is from Navy Federal Credit union for 2 different accounts the amount of the first account ( # XXXX ) is XXXX. The second account number is ( # XXXX ) .I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/XXXX and it was received and signed for on XX/XX/XXXX. In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion File # XXXX XXXX Names Reported : There is no XXXX XXXX  XXXX XXXX and I have never applied for credit in that name. TransUnion has added or has a name on my credit file that is not no name I have used in any way to apply for credit at anytime

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 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
LexisNexis as of XX/XX/XXXX states that they verified Judgment & liens and the amounts are accurate. the documents I have from the State Lien are not correct nor is the amounts correct as showed on file. Lexis Nexis also does not report accurate information and I disputed the amounts 2 years ago and those was put into dispute and as of XXXX County has incorrect information showing and I hired an attorney to pursue the issue to the matter. 
The information that is on record is wrong. Lexis Nexis has and can not provide my information by law with my full social security number my full date of birth and full address as well as my full names attach with all this on public file. There was a law passed in XX/XX/XXXX that clearly states if all the full information is not on file for Liens, Lexis Nexis needs to Delete/Remove all information pertaining to Liens & judgements on file. Lexis Nexis also needs to provide full information on file with full social security date of birth etc in full not partial information to be valid or legal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: M&T BANK CORPORATION
State: CA

Complaint narrative:
We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with M & T Bank ( M & T ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. M & T was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) M & T started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) M & T has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!

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 2018-04-01 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
The following information either XXXX  or Ally are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either XXXX or Ally is showing the same Ally account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
.

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