vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX  at the telephone number XXXX on XX/XX/2018 at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX  sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I Co signed for a loan with my cousin. She has not made payments. So it falls on me. I have ask Credit Acceptance to send me what I signed and what I owe 2 to 3 times. They have my updated and old address and have never sent me anything. It has been I've 6 months since I requested information. I was not present during the loan process so I never received paperwork. However upon request they have never sent written notice of debt or bill. By law they are suppose to do that. I want loan removed from my credit bc how do I know it's not being taking car of if they don't send proper documentation

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 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I underwent a surgical procedure in 2012 in XXXX, Florida. The entire charge was supposed to include all doctors and services. The bill was paid in advance in cash. Notwithstanding that payment, some doctor or other medical service provider charged for services already paid. I tried to resolve this matter for several years however, the hospital was sold and the new entity was either unable to, or refused to, provide all records and payment history. I do not and have never owed any sum to any medical provider. In addition, the statute of limitations has long passed on this purported debt. I have protested this fraudulent charge on several occasions and have received no response or records regarding this matter. Both the debt collector and the initial alleged creditor are engaged in a joint conspiracy to collect a debt not due and owing. I will next refer this matter to my congressman and senator together with the appropriate state authority governing hospitals and physicians in the State of Florida. This has damaged my credit for years and requires restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX Card Ending : XXXX I closed one of my Blue Cash preferred account. I paid my membership fees for the year, when I cancelled the card, it wasn't the end of the year, so when I closed it, they prorated my membership fees and I ended up getting a refund of about {$100.00}. Everything was good and there was no issues. Few months after, I get a letter from them saying that I owe {$6.00}, called them, they said it is interest, from here to there, they said they are going to waive it and they did. Few months after, I get a notification from XXXX that a delinquent account was added to my record and when I checked it was the AMEX closed account. How did this affected me? my credit score declined by 90 points. I called AMEX multiple times, they transferred me from one line to the other and nobody helped me, I was caught in a limbo. Please assist me with this, I don't know where to go with this. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & R Collection Service, Inc.
State: TX

Complaint narrative:
I have tried over and over to request documents, a contract or any form of proof that the debt is mine. R and R Collections refuses to validate this debt. I have sent them certified letters month after month. I also have requested that the 3 credit bureas send me proof that this debt is mine. All I know is that its a " vet bill '' I have no further information in the amount of {$2000.00}. R and R collections did not send me an early warning notice so that I may have time to dispute. With out my knowledge they placed it on my credit bureas. dates I have sent over disputes to the bureas and the collection agency on the following debts. I sent them letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and as early as XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
I have Sent several letter 's asking for GLA Collections to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail onXX/XX/XXXX allowing them 30 days to provide proof.. On the 31st day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I  have never done business with XXXX XXXX XXXX and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies  as they are in violation of the FDCA/FCRA acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Earnest Inc.
State: IL

Complaint narrative:
I applied for a student loan refinancing, provided direct access to my bank account, provided a personal bank statement, business bank statement, personal tax forms, business tax forms, and other personal info. I called during my application process to make sure that my individual situation would be okay in being approved for the loan. I got denied for a reason that does not even apply to me " income variability ''. They falsely denied me, did a hard credit inquiry, which they won't even reverse, and lied about the application and approval process. I received terrible customer support after trying to figure out what was going on because they did not even contact me with an email or phone call to go over my documents. I believe this is a scam company that is harvesting very private information with employees who are untruthful, scammy, and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In 2014 I purchased a bed and accessories from XXXX XXXX which was serviced by XXXX XXXX on a merchant 's store credit. In addition, I paid for accessories by separate individual credit card not associated with the store, XXXX XXXX or XXXX XXXX. Upon delivery, it was discovered that the salesperson at the store had incorrectly allowed for the size of the bed frame built in to my bedroom. While the installers were still on the premises both the installers and I placed calls with regard to this situation. The installers were instructed by their company to return all items and cancel the transaction. XXXX XXXX advised me that the transaction was being cancelled and reversed. All accessories purchased separately by me were returned to the store and I was advised that ALL charges would be reversed. I eventually received a refund for those accessories. Since then, XXXX XXXX has attempted to re-charge me for the returned accessories or other items. I have communicate with multiple debt collection services over the years and with XXXX XXXX. XXXX XXXX continues to report this as a debt and has damaged my credit standing significantly for several years. This ongoing attempt to collect a non-existent and false debt has amounted to harassment. At this point, I intend to file an action against both XXXX XXXX, XXXX XXXX and any debt collection agency in accordance with the provisions of the FDCPA, FCRA and state laws governing attempts to collect a debt not owing and damage to my credit standing.

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 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have multiple student loans, one specifically through NelNet. On Monday XX/XX/XXXX, I was receiving information from them to my email that my payment was due that I was unaware of so I called nelnets customer service specifically to get my account up to date and figure out what was going on. As expected, they asked me my answers to my challenge questions that secure my account which is standard so I didnt think much of it. Since my account was locked out for 30 minutes, they said they would call me back. When they did, they started charging my account for large fees claiming that I needed to stop making my student loan payments because they were going to consolidate them. They also said in doing it this way my loans would be forgiven in 240 months. They charged my account XXXX, and my fathers account XXXX ( CO-signer ). This is obviously a student loan scam, as nelnet called us directly on XX/XX/XXXX, telling us that our payment was still overdue and that the department of education would never charge an upfront fee because this is something you are able to apply for free of charge. This is how we came to find out that this was indeed a scam and the previous company was NOT nelnet we were working with directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Due to economic downturn, my business declined and my family went through hardship and fell behind on mortgage payments and eventually had to file bankruptcy. In keeping to our financial responsibility, we worked hard to improve our financial situation through additional employment. In the process most recently, we requested a loan modification to get back on track with our mortgage company Fay Servicing. After a lengthy, stringent process, they approved us for modification only to find out that they want to almost triple our interest rate - from 2 % to 5.5 %, a 175 % increase. Meaning our payment would go from approx. {$3100.00} to {$5200.00}. The whole idea of a loan modification is to receive some type of modification, generally more time to repay or reduction in the interest rate - NOT an increase in the rate. If it was unmanageable at {$3100.00}, how does the lender expect us to make a payment almost 3x more? It is illogical. Also, it is evident they are raping the consumer to make a profit and forcing the homeowner out of their home by making it unmanageable and foreclosing on them. Manipulating the rate during the modification process is very deceptive. The account manager stated that the rate had to increase because that is the market rate and that they could not offer a government program or rate. We knew for a fact that we weren't in a government program or rate at 2 % because we were told that back in 2014, so by making that statement and standing behind it was clearly an excuse. In 2014, Fay Servicing confirmed to us that we had a conventional loan and did not qualify for any of the government programs because of the loan amount. Also, at that time we were told we needed to come up with approx. $ 25K to avoid foreclosure, and when we told them we had the funds, they informed us it was too late to stop the foreclosure - when it was 5 days away. Again, we knew that wasn't true. So we know what the account manager recently stated was not true. Also, I researched the rate with local banks to be sure and they confirmed my belief as I was told the rates were below 4 %. We find this discriminating and illegal - because we filed bankruptcy and imposing an acceleration of our interest rate, respectively. Also, our house is upside down by $ XXXX and the lender didn't even consider a principal reduction or forgiveness. The lender is well aware of this as they recently completed a market valuation of the house. I hope CFPB can assist us in the process to keep our rate the same and get a longer term to repay our lender so we can stay in our home and also work out a principal reduction after they chose to not work with us before and force us into bankruptcy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: AR

Complaint narrative:
XXXX XXXXXXXX XXXX 5 accounts are reporting inaccurately. 
The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late. 
XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.

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 2018-06-21 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: AR

Complaint narrative:
XXXX XXXX XXXX 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late.XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: AR

Complaint narrative:
XXXX XXXX XXXX 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX  and was paid, closed, never late.

XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.

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 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a credit card from capital one for 12 years. I have never made a late payment and I normally pay my bill in full to avoid paying interest. Since I opened my account, Capital One has never agreed to increase my credit card limit. For the past 4 years I have actively requested an increase at least one or two times per year and my request is always denied. They provide generic reasons which none apply to me. I have called customer service but they can not do anything over the phone. Over the last 4 years my income has tripled but this doesnt not positively affect my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have an issue with EXPERIAN. My credit records exceed 20 years and I have never had an issue with a mortgage, a loan or a delinquency, and I keep a very small credit card balance. I never paid late my credit card bills, since all my credit cards are on autopay and get paid in full before the due date. As my credit score at XXXX and other credit agencies are well above 800, my credit score at EXPERIAN has remained fixed at XXXX for years. I checked the records submitted by EXPERIAN and they all show that I always pay on time. I contacted Experian for an explanation, and I was told that they are using a different method of calculating the score than the others. However, when I tried to use EXPERIAN 's score simulator and configured it to simulate that I pay all my credit card bills on time, it updates automatically my credit score to XXXX. Since all the other credit score companies are showing similar numbers, there must be a glitch with EXPERIAN 's system that results in lowering my credit score. Since Experian does not want to do anything about it, I am kindly asking for your help to resolve this issue.

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