vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
A third party collection agency had a debt listed on my credit report. I research, the alleged debt, it was from XXXX XXXX and for the amount of {$57.00}. I am a responsible adult, i pay my bills on time, and would have paid a medical bill for {$57.00} if i had received notice or invoice for it. I don't recall receiving either, or have i been told what the debit is for. I have no financial agreement with this company, no contractual agreement, nor do i understand how they have the right to have this item listed as a collections account on my credit report, which has now caused me to be denied credit. I've reached out to this company several times through via mail, USPS, and I've called their contact number listed on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: VA

Complaint narrative:
After almost a dozen written requests you still have refused to acknowledge or correctly apply the forbearance requested in 2017 despite your approval same. You now claim that my account is delinquent. Please correctly apply the 2017 forbearance request. If you need assistance in reconciling your records, or reconstructing records you may have misplaced, please refer to prior CFPB complaints and related documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by XXXX XXXX XXXX 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 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX XXXX XXXX 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 2018-03-25 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: NY

Complaint narrative:
RE : NAVIENT STUDENT LOAN SOCIAL SECURITY NO XXXX ; Account # XXXX Hello : Navient Student Loan Company has mistakenly listed my student loan amounts due, twice, thus doubling my balance from approximately {$150000.00} to approximately {$300000.00}. 

See the attached. 

They also have not sent my invoice for the next student loan payment amount, purposefully so that I default and have to pay additional " collections fees. '' Please investigate and advise. 

cc : Pennsylvania, New York & Delaware Attorney Generals, US Department of Justice, Delaware XXXX XXXX XXXX Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I have sent them two letters asking them to properly validate this debt, they have sent me back nothing more then generated computer copies that does not validate what I asked for in anyway. 

I keep getting the run around with useless reply letters that do not properly validate in anyway. 

I have also have sent them stated that I am exempt, because my only source of income now is from SSI, with no regards to this letter. 

Amount is {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: NC

Complaint narrative:
Hello again, My name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

-XXXX XXXX XXXX XXXX  : {$75.00} XXXX XXXX XXXX XXXX  : {$59.00} -XXXX XXXX XXXX  : {$150.00} XXXX XXXX XXXX  : {$1000.00}

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 2018-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Service
State: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > ACTION COLLECTION SVC Not Proven Compliant Account -- > XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed my Checking Account for no reason. I was never overdrawn. I never bounced a check. Then their Corporate Office tried to tell me that they were freezing the money in my account and would not release my money to me except through a check that they would send me in about 15 business days. This involved my total balance as well as a pay check that had been directly deposited into the account. The letter that I received in the mail warning of the closure that would occur on XX/XX/XXXX was post marked for XX/XX/XXXX and was not received until XX/XX/XXXX I stood firm and got my money out but there are others who are not as strong minded as I am.

I have since learned that this has been happening to people here in California and in other states for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: VA

Complaint narrative:
After almost a dozen written requests you still have refused to acknowledge or correctly apply the forbearance requested in XX/XX/XXXX despite your approval of [ " of '' inserted as correction to previously submitted complaint ] same. You now claim that my account is delinquent. Please correctly apply the XX/XX/XXXX forbearance request. If you need assistance in reconciling your records, or reconstructing records you may have misplaced, please refer to prior CFPB complaints and related documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: NC

Complaint narrative:
Hello again, My name is XXXX XXXX XXXXr from XXXX XXXX XXXX XXXX  NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

XXXX XXXX XXXX XXXX : {$75.00} -XXXX XXXX XXXX XXXX : {$59.00} -XXXX XXXX XXXX : {$150.00} -XXXX XXXX XXXX : {$1000.00}

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 2018-03-25 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: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX  Not Proven Compliant Account -- > 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 2018-03-25 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: World Acceptance Corporation
State: TX

Complaint narrative:
This is the 2nd official complaint against XXXX XXXX XXXX   regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XXXX XXXX XXXX  is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm.

Original CFPB complaint # XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
Me and my husband both have Jared the Galleria of Jewler accounts we had been paying accounts and some confusion happened and payments were accidentally made to the wrong accounts. We are trying to close on a house and were made aware of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I am having a lot of issues with XXXX XXXX/ XXXX XXXX XXXX store card account. I have charges on my account that I know are not mine and XXXX XXXX will not dispute accordingly to my standards. They sent me a letter in the mail stating the process is in dispute, then three days later they stated in another letter that the dispute is now closed and that I owe more money than what is actually on my account stated. This all doesn't make sense. I informed them that I will not be paying for something that is not mine. Also they have no proof of the purchases, how is this my problem? Also they state that they will not credit my account and I owe {$2000.00} on the account when it states {$1700.00} is on my account. This is clearly a mistake. I have no other option to rid this debt on my behalf. My account is closed with them also I will not be doing business with this company ever again in my life. I was treated poorly, unfair, unprofessional. I was laughed at on the phone by 2 of the customer service people. This is a serious situation and I will not be out thousands of dollars to their stated amount that I owe, in which I do not owe a cent to XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: I.C. System, Inc.
State: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > I C SYSTEM INC  Not Proven Compliant Account -- > 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