vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: GA

Complaint narrative:
I called IC Systems collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX  report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : **An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants IC Systems authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. 

Today XX/XX/2020 IC Systems decides to report the same collection information on my XXXX  report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for IC Systems. I have provided documentation showing IC Systems being deleted from my XXXX  report as they could not validate this fraudulent debt ; proof showing this XXXX XXXXXXXX XXXX belongs to IC Systems and documentation showing them adding the same exact collect on my XXXX  report under " 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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems sent me a collection notice for a bill from " XXXX XXXX XXXX ''. I have never missed a payment for any bill, including my Internet bill. Further, my ISP is XXXX, which is a brand of XXXX XXXX. XXXX hasn't been around since 2016. I called XXXX to confirm my account is in good standing, which it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research and educated myself on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts in collections now and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts owed in hopes of starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet resulting in my credit being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
My complaint is with XXXX Bank. 
Asset Recovery Dept XXXX XXXX XXXX XXXX XXXX RI XXXX I've tried calling to resolve a past due account and was told by a representative on XX/XX/2020 that I owed roughly {$7000.00} more than the balance because I had not made a payment in 36 months. He stated I owed XXXX x {$440.00} XXXX my monthly payment ) which is not correct. It is not accurate to just take how many months since my last payment and multiply that by my monthly payment. My balance is {$9100.00}, he claimed I owed {$16000.00}. He did this as an unethical attempt to negotiate a settlement on an inflated balance, claiming that his company would settle for {$9100.00}. This was clearly a fraudulent statement and a scare tactic, not to mention illegal. 

After dealing with this unethical representative I demanded to speak with a manager and was connected to XXXX XXXX. We discussed an amicable resolution, yet I was lied to again. What we verbally agreed to and what I received in writing were vastly different. XXXX XXXX promised I would receive a settlement letter stating that once the settlement was paid it would reflect as such with the credit bureau 's and that the title would be released. This was not the case. The settlement agreement I've received states nothing about the title being released. I have called their company 14 times in the last week attempting to speak with XXXX XXXX as the letter did not match his statements, and have not been called back or reassured that this would be rectified. In addition to calling, I have sent daily emails to their recovery department. I've asked repeatedly to speak to managers and supervisors numerous times and have not been able to. 

I feel lied to, misrepresented, and bullied. Their collection tactics and practices are unethical and fraudulent. I am attempting very diligently and persistently to resolve this matter and I am not being met with the same commitment to resolve this in good faith. I don't know how else to get the help I need other than file this complaint and hope something beneficial comes of it as I've exhausted all other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MS

Complaint narrative:
I owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. 
They referred me to XXXX XXXX XXXX. 
XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. 
I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. 
I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. 
XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. 
When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. 
I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. 
I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.

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 2020-04-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Per the representative XXXX XXXX at Navient, the phone number XXXX belong to Navient 's department that services XXXX Loans. XXXX also confirmed that they have an Oregon address on file for me. It is known that Oregon is in the Pacific time zone. They knowingly called me at XXXX XXXX  on XX/XX/2020, which is unreasonable and violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: WI

Complaint narrative:
XXXX, XXXX of XXXX and XX/XX/XXXX I was late on payments for XXXX XXXX. During the month of XXXX I was very ill due to XXXX complications which caused me to be unconscious and missed payments. I gave birth in XXXX and shortly after I was on maternity leave without pay which also caused me to miss payments. Prior to this incident I have never been late or missed payment with this company. I did reach out to XXXX XXXX  to resolved this issue with no luck. As of today I'm current on payments and have been since XXXX. I'm asking out of good favor that the delinquent payment history be removed from my credit report because its preventing me from buying a home.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On or about XX/XX/XXXX, Bank of America posted three charges to my credit card for a subscription service from XXXX XXXX XXXX from MN. Each charge was {$210.00}. 

I subscribed with XXXX for one XXXX service contract for one year at {$210.00} only. It is a video web service for conferencing and one subscription is all that anyone would need. 

I contested the charge and BOA credited the account for the two additional charges and began an " investigation ''. On XX/XX/XXXX, they claimed they had resolved the dispute and re-posted the charges. I contested it again. They advised that they would respond in 30 days. In early XXXX, I sent a certified letter with full documentation of the transaction, their correspondence, and correspondence with XXXX that confirmed that I only have one service subscription. Moreover, XXXX also agreed that they had only been paid for one subscription. 
In my latest ( XXXX ) BOA statement, the dispute issue has completely disappeared. I call them again, protested the charges again, was told a manager would call me back- they never did. 

This is my last resort before I seek counsel and sue BOA for my time, legal fees, and costs. It will be much more than the {$430.00} that is contested. 

Finally. after corresponding with XXXX, they pushed me back to XXXX Technical Service who claim they can not do anything with the issue because BOA has locked them out. 

For reference, the BOA account is current and being maintained.

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 2020-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with SALLIE MAE, Account XXXX with SALLIE MAE. I am not responsible for any payments for this account. I do not have a loan or contract with SALLIE MAE or owe a debt to SALLIE MAE is attempting to collect a debt on the basis of fraud. This item was not being reported legally and lawfully. Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately. I will further pursue all of my legal remedy without further notice to SALLIE MAE. I will further pursue all of my legal remedy without further notice to SALLIE MAE. I have attempted to resolve this matter formally before filing a complaint and lawsuit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have a bankruptcy that has been on my report since 2013, I am wanting to see if I can get it removed early. it is suppose to come off in XXXX of this year

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research and educated myself on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts in collections now and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts owed in hopes of starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet resulting in my credit being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a bankruptcy that has been on my report since 2013, I am wanting to see if I can get it removed early. it is suppose to come off in XXXX of this year

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 2020-04-30 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: GA

Complaint narrative:
I called XXXX XXXX collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : **An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants XXXX XXXX authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. 

Today XX/XX/2020 XXXX XXXX decides to report the same collection information on my Transunion report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for XXXX XXXX. I have provided documentation showing XXXX XXXX being deleted from my XXXX report as they could not validate this fraudulent debt ; proof showing this XXXX XXXX XXXX belongs to XXXX XXXX and documentation showing them adding the same exact collect on my Transunion report under " 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 2020-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Desput the Credit Make on my report For the XXXX XXXX XXXX acc : XXXX. LEASE To Whom it may concern : On XX/XX/XXXX I called Toyota Finance to pay my account up to date. I spoke to a representative. I paid {$250.00} with this said representative which would have brought my account current. I NEVER pay my account though a representative I always pay online but do to the pandemic at the moment and trying to come up with funds from work being scarce I figured it would be easier to speak to someone to ecolate my payment so I would not have a bad on my report. 

I specifically asked said representative if my account was in good standing and if it would be reported to the credit bureau. She Said and I quote " No you're just under the wire '' ok good we hung up the phone not further action taken on this day. 

Later that day on XX/XX/XXXX a got an alert that my husband and I have a negative mark on our Credit report from Toyota stating 30 days late. I called right away to dispute it. I spoke to several representatives. They escalated my call to supervisors. One supervisor told me yes I see you called I have all the notes right here on the computer. I will lpull the call and listen to it because all calls are recorded. I will get back to you. Well don't you know this call in convently not recorded. They know I called they have the notes and my payment but they have no conversation between me and the representative. 

I feel I have been lied to and misresprented by there representative who they will now not give me her name to include in my report. 

Toyotal is refused to take the negative mark of the reports and told me even if the representative gave me that information it was fales and they CAN NOT take it off. Why would there representative lie to me? This is not fair to the hard working people who are trying so hard to keep up with there payments and bills ontime while the world has shut dowm making this acrion extreamly impossable. 

Please can someone help with this despite. Before this world went into a panic I have been working really hard to keep up my credit so I can buy a house on day for my XXXX kids. 


Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/20 & XX/XX/20 I attempted to contact citi bank regarding not working due to the corona virus. In the XX/XX/XXXX I went through their automated system for corona virus relief. It apparently did no good, as they started calling a few days later. Due date was on the XX/XX/XXXX. I sent them {$500.00} as soon as i could and they still continue to call and the outsourced representatives are of no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request a credit report from Experian and find that there are 3 inquiries that I did not recognize as followed : XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX ME XXXX ( XXXX ) XXXX XXXX Address ID # ; XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX/XXXX XXXX No phone # available Address ID # : XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX Address ID # : XXXX Date XX/XX/XXXX Reason Business. This inquiry is scheduled to continue on record until XX/XX/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 2020-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MD

Complaint narrative:
I have 8 loans with Sallie Mae. I refinanced 4 loans so that the balance should be XXXX. Instead of taking refinance and allocating it to the 4 specified loans, Sallie Mae took the money and allocated it across all the loans I have with them such that there is still a balance on the loans that should have been at XXXX. I am having trouble having them reallocate the money so that the 4 specified loans are at a XXXX  balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation