vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: IL

Complaint narrative:
I am a victim of identity theft a victim of fraud my personal information has been sold to different individuals, and these individuals has used my personal information to obtain credit. under my name. I went to the police department to file a police reports concerning this matter. I was informed that someone fraudulent open up 12 cellphones XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, under my name and obtain credit to get the cellphones.I contact each vendor to let them know I'm a victim of identity theft and that my identity has been stolen. XXXX XXXX XXXX sent me a package to fill out and get notarize I completed the package and mailed it back to XXXX XXXX XXXX they deleted the fraudulent account but before during so they sent the account over to a collection agency and it keeps getting sent from collection agencies to collection agencies. I have the letter that XXXX XXXX XXXX stating they deleted the account but the collection agency is still reporting it on my credit report with XXXX XXXX, XXXX, and XXXX   this XXXX XXXX XXXX account needs to be deleted now. I have submitted the documents to the creditors showing them that it is fraud. I need this XXXX XXXX XXXX account off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: CA

Complaint narrative:
I have tried numerous time to dispute the late payment information on my account with both the lender ( XXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.

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 2018-01-31 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: CA

Complaint narrative:
I have tried numerous time to dispute the late payment information on my account with both the lender ( XXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: CA

Complaint narrative:
I have tried numerous time to dispute the late payment information on my account with both the lender ( XXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XX/XX/XXXX-XX/XX/XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.

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 2018-01-31 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
The payment history indicates that I have paid over {$4000.00} in principal on my {$5000.00} student loan yet Navient is still stating that I owe {$2300.00}. It appears that I am being overcharged therefore I am requesting a break down of how this current amount was determined along with a recalculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received recently onXX/XX/XXXX a notice/attempt to collect a debt from XXXX XXXX XXXX XXXX.. I sent midland via certified mail onXX/XX/XXXX a debt validation request letter. I received from midland on XX/XX/XXXX pretty much the same document which they sent in XXXX as a response for my request for validation. The package included a simple statement from midland saying they found their information in their notes to be correct. Midland also sent me a letter which anyone from their office or outside of their office could have typed which looks suspicious in nature saying midland purchased a debt of {$740.00} from XXXX XXXX  for a r us credit card ending in the last four digits of XXXX. Midland failed to provide sufficient proof of this debt owed and or rights to collect via an original signed contract by myself. I requested debt validation under the Fair Debt Collection Practices Act, which is established as consumer legal protection against abusive consumer collection practices. 

I am requesting that midland stop all deragatory credit reporting to all three credit bureaus and that midland removes the deragatory Collection account from all bureaus as well as cease and desist collections attempts and contact as they were offered legally the opportunity to validate this debt and failed to do so.i have also filed a complaint with the Illinois Attorney generals office under reference number XXXX. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attended XXXX XXXX  University from XX/XX/XXXX to XX/XX/XXXX. My parents did not have enough money to send me to school and I did not get a lot of money through Financial Aid so I was forced to get student loans to better myself. I was able to get a couple Federal Loans through the school but the amounts that they approved me for did not come close to covering room and board, books and tuition expense so I applied with my grandma as the co-signer through XXXX. After college I had numerous student loans that each had to be paid individually and the interest was variable and was killing me so I in XX/XX/XXXX I got online to see how I could consolidate my loans. Some were private and some were federal. I found a site XXXX XXXX who got me in contact with Navient. Navient financed my loans and no where in the entire application did it say that signing up with consolidation would I lose out on my XXXX tax deduction for student loan interest. They are not sending me form XXXX so I called and their customer service will not help me at all. I feel like I have been done wrong here and all I am trying to do is pay back my loans. I have been paying for almost 10 years now and this company is completely taking advantage of me and my hard earned money ... can someone please help me or direct me in the direction. Nothing that I signed said anything about not getting this tax advantage. Why would anyone sign away that advantage because it is the only perk to spending thousands in interested every year. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 my wife deposited {$1500.00} into a Bank of America ATM into my checking account. We used a drive thru ATM which was loacated outside the BofA branch on the corner of XXXX and XXXX in XXXX, TX. The ATM only credited me for {$500.00}, leaving me short {$1000.00}. I escalated this immediately to bank of America claims department and didn't think much of it as I was sure they would find the extra funds in the atm and return my money to me. This was not the case. The claims department sent me a note on XX/XX/2018 stating they could not find the {$1000.00} and bank of America is now unwilling to give me my money back. I have since escalated this twice to no avail and I truly feel robbed. I have made multiple ATM deposits and have never experienced this kind of ridiculous service. I'm appalled that BofA won't continue to research this and very frustrated that I'm on the brink of losing {$1000.00} of my hard earned money. The image that I have attached is the receipt of what was credited to me as well as the ATM id of the machine that stole my money.

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 2018-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop  all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HONOR FINANCE, LLC
State: NV

Complaint narrative:
{$4000.00} down payment, on a {$7000.00} loan. Crooks here is a copy of my XXXX   credit report can the company please explain how i owe this much?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: KEYCORP
State: CO

Complaint narrative:
In XX/XX/ I signed up for a new Key Bank XXXX, the web promotion on the application offered a sign up bonus of XXXX points after 5 eligible purchases within the first 60 days redeemable for {$200.00}. On XX/XX/XXXX, I fulfilled the requirements of the promotion, having made 5 purchases. One month later when I did not receive the promised bonus points I contacted the customer support on the back of the card, who assured me that I met the promotional terms and that I would receive the bonus within the next month. When another month passed without the bonus points posting I opened up a support ticket on XX/XX/XXXX and was told I would be credited the points by the end of the month. On XX/XX/XXXX I received the following reply : " After escalating your case it seems that due to not having a checking account the points have not been applied. We understand the fact that you were not advised that a checking account was needed for this reason we need you to refer to your local branch. '' My local branch was unable to help me. I was not advised a checking account was required for the bonus and I find no mention of this requirement in the terms and conditions from the original application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have a collection on my credit report from this company for {$150.00}. It states the original creditor is XXXX. I have service with them so this debt is not correct. I have had multiple companies add an account from XXXX and it is not valid. No letter or anything was sent. Just thrown on my credit with no proof. This error has messed up my home buying process. This is information is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I don't recognize this account. This is not my account. 
This is false!

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 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for an BBVA Compass checking account via a bonus promotion on XX/XX/XXXX. The promotion terms were as follows : 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus. 
2. Account must be opened within XX/XX/XXXX through XX/XX/XXXX 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option 2. 
5. After the requirements have been met you should receive the promotion within 60 days. I opened my account on XX/XX/XXXX and had an employer direct deposit of {$300.00} on XX/XX/XXXX. After meeting the requirements on XX/XX/XXXX, {$200.00} was suppose to be deposited into my account within 60 days. During this waiting period, I contacted BBVA Customer Service several times to confirm when the bonus would be deposited. I sent 5 secured messages because neither one was being responded to. I finally received a response 8 days later. The bank responded to me via secured message and confirmed that I met the terms and requirements of the promotion but they did not post the {$200.00} bonus. As it is now over 60 days, I have resorted to filing this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 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: OH

Complaint narrative:
I have disputed two charges and Bank of America denied disputes without a valid reason. The dispute for XXXX was unauthorized and Bank of America said they obtained the proof of the sales slip. When I asked to see it ( my signature ) Bank of America was unable to provide the proof to me but still denied the despute. This is a violation of fair credit billing act. The second dispute for XXXX was for XXXX rent a car, same company, for services not rendered ( my car  wasnt available for 3 days after it was promised yet the full charge was charged. I provided proof of reservation showing the correct dates, yet Bank of America still didnt do anything )

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 monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: TX

Complaint narrative:
TEX Collect Inc : Request a payment of {$140.00} which was covered by dental and health care insurance. This company has repeatedly wrongly place this on my credit report without any notification or knowledge that it was placed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. MY Bank of America account # XXXX is not mine. It is only reporting on XXXX credit bureau. I have attached. a copy of the documents I sent to XXXX and they have yet to fix the issue. I need assistance ASAP please so I can refinance my home. Thank you in advance for your help. 


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 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through Navy Federal Credit Union and one through XXXX. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX   still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
a debt was sent to collections that I do not owe.

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