vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
got extremely rude and talked down upon me as if I was beneath him. When I started to defend myself he hung up the phone. so discriminated agent. as I respect and talk to her nicely she doesn't have to be rude. I had emergency matter took my attention then the school send the debt to ability recovery to collect that money. iam so disapointed and depressed i have to go to my doctor to priscribe some medication because i been hurt.

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE DISPUTE ITEM AND HAVE IT DELETE OFF MY CREDIT FILE. 

PLEASE UPDATE MY ADDRESS INFORMATION IN YOUR DATA BASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter via certified mail to Experian on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. XXXX  tracking number XXXX XXXX tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX  XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE DISPUTE ITEM AND HAVE IT DELETE OFF MY CREDIT FILE. 

PLEASE UPDATE MY ADDRESS INFORMATION IN YOUR DATA BASE.

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE DISPUTE ITEM AND HAVE IT DELETE OFF MY CREDIT FILE. 

PLEASE UPDATE MY ADDRESS INFORMATION IN YOUR DATA BASE.

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 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
On XX/XX/XXXX I received a bill that was not in my name or my physical home address that I had owed money to the XXXX XXXX   XXXX. I contacted the company and informed them the address that they had on file was not mine, the first name was miss spelled and I was not going to pay for something that I never opened up. The company stated that the debt or the credit card had been open since XX/XX/XXXX. The address that it belongs to is my neighbor and who is charging from my social security # somehow they got my mail with my social security My neighbor who I thought was my friend passed away early in XX/XX/XXXX her name was XXXX but her husband XXXX is still alive. I told the company I never open up this account and I didnt understand why it was put in my mailbox, its not my address it probably was my neighbor who put it in my mailbox They sent it to a debt collector. I contacted the debt collector spoke to XXXX and mention that this is not my debt XXXX told me I have to go to the police station to file a report. I wish I could do so in XX/XX/XXXX I was hit by a car. I had been in the hospital for many months not knowing if I was going to XXXX or XXXX. From the accident my life has not been the same. I can XXXX XXXX, I have to use a XXXX  or a XXXX. I can XXXX XXXX, Im on XXXX. My XXXX  XXXX  has XXXX XXXX every where. I should have died when I was hit. I am constantly at doctors appointments. I have every single health issue under the sun. I wish it were so easy for me to just go to the police station and file the report. I had called the station and ask them if they could come to the house because its very hard for me to get around. And they will not do so. 
And in XX/XX/XXXX when I received this bill it was {$58.00} now they jacked it up all the way to {$290.00} I told the company I was not going to pay for something that Im not responsible for and they were on my side but yet they still sent it to a debt collector. I guess they have no consent if you have identity theft or not they dont care they just want their money. 
I looked at my credit report and I saw that it was put on there and I even wrote a letter to the credit report agency that it was not my debt but its still on there.

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 2019-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I been contacted from XXXX to help lower my loan monthly payments, XXXX XXXX an XXXX XXXX asked me to submit my financial documents like tax return, social security numbers, household income verification, I did submit all the requested document on XX/XX/XXXX, since then I was making monthly payment for {$100.00} every XXXX of each month. this year I asked my loan lender to send me the form XXXX  for tax purpose, they told me I never made any payment for XXXX and XXXX. 
I need to get back my money and pay it back to the loan lender. 
I have all the emails, bank statements shows my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Capital One /Executive Office of President ; I was shocked when I reviewed my XXXX , XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/2018 for 30 days? 

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Thank you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter via certified mail to XXXX on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. Transunion tracking number XXXX XXXX tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter via certified mail to XXXX  on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. XXXX  tracking number XXXX Equifax tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX  Delaware XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX  XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXX College of XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.

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 2019-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have just checked my credit history and saw the following negative impact on my report. Both were in red. Please explain why the balance has increased when I have not received a loan since XXXX. The information came from XXXX stating there has been an increase in debt reported to Navient. I have reached out to them in the past only to be dismissed by a representative saying the report provided was not credible. 
XXXX XXXX XXXX/NAVIENT Balance Increased by {$5300.00} XXXX XXXX XXXX/NAVIENT +Balance Increased by {$3400.00} Updated Account Information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Manager/Executive Office ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 
Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Sincerely yours ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXX XXXX XXXX   XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX**, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX   XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX****, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX****, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have had a current and good standing account with American Honda since 2012 and The loan is almost complete however I attempted a goodwill phone call to them to have my late payments removed from credit report. And was just told " no '' .. I feel this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi Sir/Madam, I have The Home Depot, Credit Card, that I have paid off in full. I have closed the account couple of months ago, but the company is sending me bill, every month after the closer of the account, with late fee of {$40.00} per month plus interest. As of today, they have billed me for about {$110.00} in late fee plus interest. I have purchased nothing in last few months, but I am getting bills for additional charges on late fee over late fee. This is an insane practice. This is a rip off which is like a termite. I have a family and I hardly make my ends meet every month. These big companies, out of their greed, are ripping off the fabric of this society. They are forcing people toward the poverty then prosperity. Please save me from their vicious scams. I have called them few times and discussed to resolve the issue but instead of resolving the matter, they are keep harassing me. 

XXXX

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 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Account : XXXX Balance : XXXX USPS Certified Tracking # : XXXX Mail Date : XX/XX/2019 I've requested that Portfolio Recovery Associates, LLC validate the debts they claim I owe which includes proof that I am indeed the party they're are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I specifically requested for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which included the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Student loan interest is deductible per the tax code. This includes capitalized interest, or interest that wasn't paid on time and that eventually was added to the principle amount of the loan. For several years, I couldn't afford to pay on my loans and apx. {$10000.00} of interest was capitalized. This increased my principal balance from {$25000.00} to {$35000.00}. I ultimately repaid my loans over the course of two years, but I never received notice on the amount of capitalized interest I paid off and, thus, I was never able to deduct it from my taxes. I did receive notice regarding the amount of uncapitalized interest I paid over the two years ; however, as I've previously stated, the capitalized interest is deductible also. I've been trying to find out the total amount of capitalized interest that I paid over the life of the loan so that I can file an amended return and take the deduction. I contacted the Department of Education, and they instructed me that this was an issue for my student loan servicer ( Navient ) I contacted Navient and they said they didn't have information on how much interest was capitalized because they had only been my servicer for three years and, as such, they didn't have information dating back to the time the interest was initially capitalized. I called the DOE back and filed a complaint with the Office of the Ombudsman there regarding the situation. They never got back with me. Despite continued calls to both Navient and the DOE, I can't get my issue resolved. The tax law is clear that the capitalized interest can be deducted and I want my deduction. But in order to take it, I need one of these parties to produce a formal record of the amount of capitalized interest that I accrued and ultimately paid back over the life of my loans.

Company response to consumer: Closed with explanation