vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 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: ProCollect, Inc.
State: LA

Complaint narrative:
I sent a certified letter to ProCollect regarding a collections account they placed on my credit report asking them to validate the debt. In response I received a detailed bill and a " copy '' of a lease that was allegedly signed by me. The information they sent me did not include a copy of my ID or drivers license and the signature is not mines however this company continues to report tradeline to the 3 major credit bureaus. This is creating major issues for me such as job declines, higher interest rates, lower credit scores, and application rejects for balances owed. I believe this account DOES NOT belong to me, under the Fair Credit Reporting Act all unverified accounts must be deleted. I contacted the apartment complex XXXX XXXX XXXX directly which they advised they don't have any information pertaining to previous residents. That also stated that XXXX was a previous apt management company that managed billing and is no longer in business. I contacted the corporate office which stated they have no information due to XXXX managing in the past and they are no longer in business. They stated they are under new management and unable to assist me, so HOW DID PROCOLLECT PROPERLY VALDATE THIS DEBT? The only information I received from ProCollect was a copy of a application, detailed bill, and a copy of a lease that I allegedly signed which I DID NOT. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the proper evidence as requested. A fraud alert has been on my credit report due to my identity being stolen, so a copy of my ID or Drivers license should be on file for verification purposes, and none was sent with the information Procollect sent me. The information on the application DOES NOT belong to me, THE SIGNATURE is NOT MINES. I never lived on XXXX XXXX which is listed on the apartment application, anyone can have my employment information. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I tried to send monies to my mother of {$150.00}, & {$2500.00} and she did not receive it. She went online looking for a number to call for customer service to XXXX. After she called a number that was online this is when she was connected with this guy named XXXX. XXXX explained to her that she needs to get me on the phone. Once I got on the call, I was told that he needs to secure my account. The guy sent me a request for another {$2500.00} and I asked why he stated again needed to secure my account and the money will be transferred back to my account. He sent several more requests and I declined because, at this point, I felt something wasn't right. After contacting my bank, they stated nothing was refunded only withdraws. I checked with my mother 's bank that day and she did not receive any of the funds totally {$5100.00}. 
In the beginning, my mom felt this guy was part of XXXX because he sent links to her phone asking to verify her information. He did the same with me. He used this number for me to copy and paste the link and send to him at this # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
There is a public record on my credit report that has to be deleted, the FCRA says that everything on my credit report needs to be 100 % accurate, and Equifax, XXXX and XXXX XXXX  are breaking the law by reporting this in inaccurately. I know that XXXX  XXXX is providing this information to the credit bureaus and not the bankruptcy court like they keep telling me. I disputed this bankruptcy before and it was ignored by these three companies. These credit bureaus are giving me a hard time and I am very upset at the fact that they think, they can just report whatever they want. I contacted the bankruptcy court and I asked if the courts shared or validated bankruptcy information with third parties and they said no, I requested this in writing and it was sent to me by mail. This public record is being reported in accurately because on my credit report it says that the bankruptcy court is the data furnisher for this and that is not true. I want this public record deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I have contacted these collectors several times in regards of medical debt I have received they are in violation of HIPPA which protects my information in details. they have sent me a breakdown of the fees and patient report history which is a violation of HIPPA I did not consent for third party to have access to my personal health information they are in violation and will need to remove these debts. From all reporting credit agencies and a letter of deletion. SCA collections for ( XXXX  XXXX in the amount of XXXX and City Of XXXX for XXXX ) needs to be deleted again in violation of HIPPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was with Sallie  Mae  in 2007 when I attended XXXX XXXX. I didn't not anything about Navient taking over for Sallie Mae until I seen it on the News. I have asked Navient to send me documentation stating that I authorized them to take over my loans and I would continue to pay them instead of Sallie   Mae. I have sent letters and talked to customer service reps and all they send me are the loans from Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They call every morning while Im in class or at work and continuously tries to talk when I tell them now is not a good time. Always try to get me to talk AFTER saying at least 3-4 times I CAN NOT TALK. Highly annoying and disrespectful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LAW OFFICE OF HALL AND ASSOCIATES
State: TN

Complaint narrative:
I am currently being garnished for my payroll at XXXX XXXX XXXX the first garnishment was {$570.00}. I disagree with this garnishment because I received no notification from the XXXX XXXX before they started garnishing my check and they did not do the proper check to find out my current address to ensure that I received notification for this garnishment. The company did not try to contact me before they started garnishing my check this judgment was set on XX/XX/XXXX the total of the garnishment was {$3500.00} this is past the six-year statute of limitation that they are not supposed to be trying to Sue or garnish anything out of my check. I would like to file a complaint due to the circumstances that I received no notification no court date I sign no papers for them to start garnishing my check this just started the first garnishment as I stated was effective XX/XX/XXXX any amount of XXXX XXXX. I only found out about the garnishment from my check stub and then I started making phone calls to ask to find out where this was coming from and HR provided me with the documentation that they received and I had no knowledge. On the document I received there is an old address that I have not been living at at least 11 years now and also the sheriff wrote on that form refuse to sign. I disagree because that was the incorrect address and I'm sure the person living there refused to sign because it was not for the correct person. With this being said I disagree because of the statue of limitations for the state of Tennessee has exceeded for XXXX XXXX XXXX to try to sue me or garnish my check for the amount is owed. In this complaint I am requesting for the XXXX XXXX to stop garnishing my check to stop trying to sue me because the statute of limitations has exceeded and it is past time in the state of Tennessee for them to recoup any funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2019 I mailed a dispute letter to Transunion. I disputed the Chapter XXXX bankruptcy from USBK COURT XXXX XXXX. The court did not verify with Transunion that a chapter XXXX was discharged. Transunion also received the dispute letter on XX/XX/2019 and it was signed off by XXXX XXXX. I never received a letter that they were investigating the dispute. It has been over 30 days and I still have not received a response from Transunion. They did not reply in a timely manner to my initial letter on XX/XX/2019, they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have proof XXXX deleted the chapter XXXX bankruptcy discharge because they did not verify with the court. The court stated they do not report to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
I have contacted the collectors several times in regards of a medical debt I have reporting on my credit. They are in violation of HIPPA which protects my information and details. They have sent me a breakdown of fees and patient report history which is a violation of HIPPA I did consent for a third party to have access to my medical records and personal health information they are in violation and need to remove this debt from all credit reporting agencies with a letter of deletion. Wakefield and associates ( XXXX   XXXX  XXXX for both accounts in XX/XX/2015 for XXXX and XX/XX/2015 for XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX who would not provide her last name that works for Huntington Bank in XXXX Michigan would not provide me an explanation to why my account was closed. She would also not provide me a explanation to why I never received a letter on why. She would not provide me a copy of the letter for why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
Hello : I am filing this complaint against Jefferson Capital Systems , LLC. They are a debt collection agency that is reporting on all three of my credit reports ( XXXX, XXXX and XXXX ) and they should not be. 

I want them to delete their tradeline from all three of my credit reports immediately. 

This account is closed and should not be reporting anymore. 

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX This is a result of an old account with XXXX XXXX and it is closed and old and I think because of Jefferson Capital Systems , LLC it is reporting twice on my credit reports. Please remove this information from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Loan care billing system is not updating their system to reflect up to date payments made on my account and customer service has been unable to help and fix it since XX/XX/XXXX : Hello can you all please pull up the notes on my account with loan number XXXX XXXX interest only loan )? It has been escalated ( reference/ticket number is XXXX ) but no one person I have spoken with has been able to fix the issues with my loan account. I have called and spoken with customer service reps on several occasions since XX/XX/XXXX as well as a manager finally by the name of XXXX XXXX on XX/XX/XXXX. He said if a payment is made on the same day, Loancare 's system voids it out. That is not clearly expressed on the website or the mobile app. This is what happened in the case of my XX/XX/XXXX payment. On the site I made two payments on the same date but the system only accepted the {$50.00} principal. Unbeknownst to me the {$24.00} was never drafted out of the account. He apologized and said to rectify things he would split the {$50.00} principal only payment received and reapply {$24.00} to the interest only payment that was due for XX/XX/XXXX and the difference to the principal. I see where the reversals were done on XX/XX/XXXX and XX/XX/XXXX but my account is still marked delinquent. Now when I log in to the system it says my XX/XX/XXXX mortgage was never received although I paid it XX/XX/XXXX. On the payment screen it says I now owe {$60.00} ( {$49.00} for mortgage payment and {$10.00} in fees ). At this point if you all applied a payment for {$24.00} on XX/XX/XXXX and I have already made a {$35.00} payment on XX/XX/XXXX I do not understand why it is showing that Loancare hasn't received up to date mortgage payments. I last spoke with one of your agents on XX/XX/XXXX and after placing me on hold for 22 minutes she kindly hung up on me. Your help would be appreciated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX inquiry on XX/XX/XXXX Bank of America inquiry on  XX/XX/XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX- XX/XX/XXXX The inquires were not authorized and I dont recognize them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I mailed a dispute letter to Transunion and XXXX XXXX signed with his signature on XX/XX/3219. I have not received any documents stating an investigation was made or if the the dispute was deleted.The credit bureau has to respond to your inquiry within 30 days, or they must remove the negative item listed, per Fair Credit Reporting Act regulations. I disputed the inquires below : XXXX/XXXX, Issue : The inquiry was not authorized XXXX, Issue : The inquiry was not authorized XXXXXXXX, Issue : The inquiry was not authorized XXXX XXXX, Issue : The inquiry was not authorized XXXX/cont, Issue : The inquiry was not authorized XXXX/XXXX, Issue : The inquiry was not authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
I sent a certified letter to RentDEBT regarding a collections account they placed on my credit report asking them to validate the debt. In response I received a detailed bill and a " copy '' of a lease that was allegedly signed by me. The information they sent me did not include a copy of my ID or drivers license and the signature is not mines however this company continues to report the tradeline to the 3 major credit bureaus. This is creating major issues for me such as job declines, higher interest rates, lower credit scores, and application rejects for balances owed. I believe this account DOES NOT belong to me, under the Fair Credit Reporting Act all unverified accounts must be deleted. I contacted the apartment complex ( XXXX XXXX ) directly which they advised they don't have any information pertaining to previous residents. The only information I received from RentDebt was a detailed bill and a copy of a lease that I allegedly signed which I DID NOT. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the proper evidence as requested. A fraud alert has been on my credit report due to my identity being stolen, so a copy of my ID or drivers license should be on file for verification purposes, and none was sent with the information RentDebt sent me. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I just called FedLoan Servicing today, XX/XX/XXXX to ask for an update on my qualifying PSLF payments and why they weren't consistent from loan to loan ( out of 6 total ). The service rep stated that they're " still working on the manual review '' that I requested back in XX/XX/XXXX. This is unacceptable and I need a complete and thorough review of my payment history because I have a lot more qualifying payments than on file with the new servicer ( FedLoan received my loans in XX/XX/XXXX ). Also, they have no information on my XXXX payments ( should have been PSLF-qualifying ) made in XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I received a {$50.00} Vanilla VISA gift card last XX/XX/XXXX. I made sure the balance was there and put the card in my wallet. However, when I tried to use it on XX/XX/2019 it got rejected. I called customer service number at XXXX, logged a case number XXXX and then emailed pictures of the card and my ID as they requested. Today, I called them asking for an update but they asked for receipt. This is a gift card means I received it as a gift. They then claimed the card was never activated. A lie after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Constar Financial Services, LLC
State: CA

Complaint narrative:
Hello, On XXXX XXXX at XXXX, I was contacted by Constar collection agency regarding a auto loan debt of {$9800.00}. I asked him why he was calling me here at my job and he stated that this was the number he had and in a rude tone he said " you owe my client {$9800.00} ''. I told him the original company has my cell he said well this was the only way I was able to contact you. I then let him know that he may contact XXXX XXXX XXXX as my account is with them, he said he has not heard anything from them and that I should contact them as they work for me because I am paying them. The agent then asked for my cell number and XXXX XXXX XXXX number. I provided him with both numbers. This agent was very rude to me during the entire conversation, and not only was he rude but he was deceitful in contacting my employer by not stating who he was or where he was calling from. When he called the person who answered she asked him what type of call this was and he said personal. 

Please note I do not want this person to contact me but he is to go through the debt relief consumer. 

Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX  XXXX XXXX inquiry on XX/XX/XXXX JP Morgan Chase inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX The inquires were not authorized and I dont recognize them

Company response to consumer: Closed with non-monetary relief