vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard, LLP
State: CO

Complaint narrative:
I had submitted a complaint against Nelson & Kennard last month due to various totals sent to me to pay, then they told the court I wasn't paying, which I submitted proof I had paid every month since they contacted me in early XXXX. 
As a response to the complaint they sent me the attached, which contains outright lies. I have been willing to pay but I will not pay a company who sends me different letters with differing amounts and then tries to lie in the response letter to my complaint. 
As you will see in my 2 attachments dates XX/XX/21 and XX/XX/21 that they list the SAME file # but 2 completely different amounts, and the only payment made right after was XX/XX/21 was for a small amount that wouldn't account for that difference. Then in their letter, responding to my 1st complaint, dated XX/XX/21 they state that I have 3 accounts with them and that XXXX was paid in full, but that they grouped XXXX & XXXX together when they mentioned the total on the XX/XX/21 letter, but as you see on that letter the ONLY file # listed is XXXX, that is the sole # listed on both of the initial letters. 
Since they said in the attached letter dated XX/XX/21 that the amount I owe on XXXX is {$720.00} then I will pay that. But since they are saying they grouped XXXX into the amount shown on letter XX/XX/21 WITHOUT ever mentioned that file # in that letter I want that amount reduced to {$0.00}, how can I trust a company that can't get their numbers straight?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: FL

Complaint narrative:
Transunion credit reporting agency. Reporting in my credit record a collection account that was paid in full XX/XX/2021. Their investigation results ware wrong and keep reporting this account as past due and open.

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 2021-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
AUTO LOAN WAS PAID IN FULL AFTER AN ACCIDENT TOTALLED THE VEHICLE. ALLY FINANCIAL INCORRECTLY STATED WE ORIGINALLY STILL OWED A FINAL PAYMENT ON THE ACCOUNT. WHEN WE HAD ALL THE PAYMENT HISTORY PULLED, IT WAS PROVEN WE DID NOT HAVE ANY REMAINING PAYMENTS DUE. I REACHED OUT TO ALLY FINANCIAL AND WAS ADVISED THE TITLE WOULD BE RELEASED TO THE INSURANCE COMPANY & OUR ACCOUNT STATUS WOULD BE UPDATED. THIS WAS BACK IN XXXX  AND AS OF TODAY, XXXX, ALLY FINANCIAL IS STILL REPORTING TO THE 3 MAJOR CREDIT BUREAUS THAT THE ACCOUNT IS STILL IN DISPUTE AND MY CREDIT REPORT IS STILL REFLECTING I OWE A REMAINING BALANCE. I HAVE ATTEMPTED TO REACH OUT TO ALLY BANK NUMEROUS TIMES OVER THE YEARS AND I GET NO RESOLUTION.

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 2021-05-28 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Apple Card ( issued by Goldman Sachs ) has frozen my card for over a month now. When I call into customer service no details are given and no timeline is given. Simply that my account is under review indefinitely. The last time the customer service team reached out to me was XX/XX/XXXX and it has been a month now with no movement and I cant use my credit card. This feels fraudulent / unfair. What is the purpose of a credit card if in fact you cant use it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: KS

Complaint narrative:
Firstmark Services claims I owe them for a student loan debt that was purchased from XXXX XXXX. I was made aware of this on XX/XX/2021. On XX/XX/2021, I requested validation of the debt within 30 days and was advised on XX/XX/2021, that a copy of the promissory note would be sent to me with 2-3 business days. It is now XX/XX/2021, and I have been provided absolutely no documentation to validate this debt is mine. Firstmark has since reported the debt to credit bureaus ( even without the ability to verify its validity ) and has continued to attempt to collect the debt while it is in dispute. I received notices this week via both email and physical letter that the account is past due, even though the validity of the account is in dispute an unresolved. It has been almost 45 days since I requested validation of the debt and I have been provided nothing while Firstmark continues to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Last year I applied for a VA Streamline refinance for an interest rate deduction with my mortgage lender, Navy Federal Credit Union ( NFCU ). Shortly after I signed my closing documents, I received an email from NFCU stating that there was a short and that I need to pay an estimated {$4500.00}. I complained to NFCU and submitted a complaint via CFPB. According to NFCU in a follow-up call, the issue was created from monies deducted from my escrow account to pay XXXX property taxes. NFCU further stated that the problem was resolved and that I did not have to pay the money. In XXXX, I received a final notice from the XXXX County tax collector 's office requesting payments for the property taxes. I contacted NFCU about the issue, and during the initial conversation on the phone, an agent assured me that the taxes were paid and there was documentation to back that up. Not being satisfied with the answer, I decided to conference the property tax office to discuss the issue. The property tax office denied receiving payments from NFCU during the call, which lead the agent to conduct further research. It turned out that NFCU had not paid the taxes ; therefore, they could not provide the proof of payment that the tax office was requesting. NFCU has since settled the tax bill on XXXX XXXX, XXXX ; however, they're requesting that I pay the money back. I feel they misled me because I paid {$5000.00} during closing for the refinance, and now I'm asking to come up with additional funds. My closing disclosure clearly states that taxes and insurance updates were part of my loan estimates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TX

Complaint narrative:
I CONSUMER XXXX SENT PORTFOLIO RECOVERY ASSOCIATES A VALIDATION LETTER IN RESPONSE TO THEIR CLAIM THAT I LAWFULLY OWED THEM ANY MONEY. THEY DID NOT RESPOND IN A LAWFUL / TIMELY MATTER ALLOWED BUT RESPONED WITH A NON CONSTUTIONAL/LAWFUL RESPONSE. NUMEROUS DAYS AFTER DEFAULTING ON RESPONDING TO MY DISPUTE LETTER. THIS COMPANY HAS CONTINUED TO BREAK THE LAW AND TAKE UNFAIR ADVANTAGE OF ME. CAUSING ME STRESS. I HAVE INCLUDED COPIES THAT I HAVE MAILED CERTIFIED WHICH ARE 1. NOTICE OF FAILURE AND OPPURTUNITY TO CURE DOCUMENTATION, 2. A FTC REPORT AND 3. EVIDENCE OF DECEPTIVE FORMS THEY HAVE SENT ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I acquired a XXXX XXXX XXXX in a lease option thru XXXX XXXX of XXXX XXXX California. My lease expired on XX/XX/XXXX so before the expiration date, I applied for a new loan with XXXX XXXX XXXX XXXX XXXX, my loan was approved and they send the check in the amount of {$14000.00} to Nissan Acceptance Corporation, they financed the lease. Nissan received the check on XX/XX/XXXX but they rejected the payment because they say that the check was supposed to be issued to XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX. 
Until today Nissan Acceptance Corporation has not sent the check to me or the XXXX XXXX and that is hindering the possibility to pay my car, Nissan has retained the check for the payoff of my car for 1 months. 
XXXX XXXX XXXX XXXX is sending me texts ordering me to bring the car because my lease has expired even though I am making the monthly payments.

What I can see here is tha Nissan Acceptance Corporation is playing games so I am not able to pay my car and be obligated to buy a new car. 
Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2021 I contacted the collection agency ( XXXX ) who is handeling a charged off credit card-Cash rewards card for Navy FCU. I spoke with the representative with XXXX and set up a settlement and made payment according to the settlement agreement in full. I was todl there was a delay in sending the correct information to Navy FCU to update my credit report as such. I've contact both companies Navy FCU and XXXX  and I am constantly told my profile will be updated within 30 days and talk to the other company. It has been over 60 days and I am still being reported as delinquent with a balanced owed. I have disputed this information with the credit bureaus and the same informaiton is being reported. If an agreement of settled in full was reached the account should be updated as settled in full zero balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have tried and tried to get Experian to show a Credit Score on their site which shows me my credit card accounts etc. 
I just received an email saying : Hello XXXX, Important information about your FICO Credit Score We wanted to let you know that we couldnt automatically update your FICO Score from Experian this month based on the data we pulled on XX/XX/2021. If youre planning on applying for credit soon, we have seen members in similar situations generate a FICO Score by ruling out the below items. Do any of them apply to you? 

( I have a credit score on my XXXX  account and also on my XXXX card under XXXX so I don't see how the " Items. Do any of them apply to you? '' would make a bit of difference since I have scores on those sites. ) Now I happen to know they are lying to me due to the following. 
I have a XXXX XXXX account and with that account they also give me access to my credit called XXXX XXXX. 
On that XXXX XXXX I have a FICO Score of XXXX and do you know where that FICO score comes from? 
It says it right there on the page : Powered by Experian!  Yes it does! 
So why if Experian can allow access to my score on my XXXX account they won't show it on their site? 
Because they keep offering me, for a monthly fee to give me access to my FICO score. 
They are lying to me and preventing me from obtaining the credit I am trying to get to improve my credit score. ( The one I have on my XXXX account ) It basically amounts to extortion. Pay us money or we won't list your fico score. 
Creditors go to their site to check my score and not my XXXX account. 
I am very very upset with them and have called and called and emailed and they just keep lying to me! 
Please Please Please help me to get them to stop lying to me and put my Score on their site. 
Thanks.!

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 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: CA

Complaint narrative:
I am redoing my complaint because the company is referencing incorrect dates on complaint : XXXX which was closed after companys response. 

Here is my original complaint : Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account. 

This company is saying that they received my account on XX/XX/XXXX when per the attached they clearly sent me a letter on XX/XX/XXXX. They contacted me after receiving my letter. They received my letter on XX/XX/XXXX per the USPS tracking, screenshot attached as well, and they did not pick it up until XX/XX/XXXX at XXXX XXXX It is not my problem if they choose to pick up their parcels a week after they receive it. So the controller is claiming that they received my letter XX/XX/XXXX which would have been after the 30 days but they got it on XX/XX/XXXX again per USPS tracking info. On top of that they are stating that they sent me an itemized letter with the original letter. Per attachment they did not. THEY VIOLATED MY RIGHTS AS A CONSUMER PER THE FDCPA!!!! They should not just be able to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 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 — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to fix and raise my credit score to get a better interest rate for a home mortgage loan. I got a secured credit card from Bank of America a year ago with a {$1000.00} limit. I was getting a high balance reporting to the credit bureaus, so I raised it to {$5000.00} two months ago in may. The credit bureaus indicated with a higher credit limit better chance to get a higher score on my reporting, along with paying down any balance on XXXX before the billing statement that is generated on the XXXX of each month this would reduce the high balance. I then raised it again to XXXX the max it would allow me. I found out Bank of America was not reporting on the  XXXX  of each month on time as they indicated. I get weekly statements from XXXX  and called in to see what is happening? They stated bank of America has not being reporting on time for the last two months? to get me my current score with the additional increase of {$10000.00} limit? I called in to complain two months ago about there reporting and again on XXXX-2021.

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 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: OH

Complaint narrative:
I previously filed an identity theft dispute regarding accounts on my credit reports that do not belong to me. I have attached the documents.

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 2021-05-28 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: OH

Complaint narrative:
I previously submitted documentation regarding Identity Theft. I have attached them again. There are accounts on my credit that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: London & London
State: NC

Complaint narrative:
I sent to this company a letter after calling them for about 3 hours, when you call the company they tell you that they have limited staff because of the covid. I have been working on my credit for about 4 months, I had advised the credit bureau that I had no knowledge of this company or this bill that they were collecting for. The credit bureau took it off of my credit report. Checking on XX/XX/2021, I found this company back on my with a different number and now the company has me owing 3 times as much. When I originally contacted the credit bureau 's I asked them for the original paperwork that had my signature listed on it and the status. If it was my debt I would have paid it off, but the credit bureau 's took the company or shall I said the company who bought my supposedly account. XXXX XXXX who bought my account had an attorney 's office collecting it for them. When looking at my credit report on the XXXX, I was fabregessed and sent to the floor. When I saw what XXXX XXXX and London & London had done to me. Even today today is the XXXX of XXXX and I called and London & London a couple of times today and still no answer trying to get in touch with these people. As I stated earlier in this I was on the floor, from such a blatant lie. I could not believe this, all they had to do was show me the original paperwork and this all could have been taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Regarding information about a said ( bankruptcy that never happened ) ... ... Please update this file to show that XXXX has removed the data from MY CONSUMER REPORT ... ... See File ... ... .The Fair Credit Report Act outlines 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ... ... This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report. 
As stated before ( a bankruptcy never happened ) This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE

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