vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XX/XX/XXXX- I mailed a certified letter requesting validation to XXXX XXXX and XXXX XXXX . ( I have copies of receipts ). I requested proof that I was the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay. 
I stated that this was not a request for verification, but a request for validation. 
I requested the following : Agreement with the client that grants you the authority to collect on alleged debt Agreement that bears the signature of the alleged debtor where he/she agreed to pay creditor Date alleged debt became payable Date of original charge off or delinquency Verification that the debt was assigned or sold to collector I disputed with Experian credit bureau. They wrote back stating they verified accuracy. I sent another letter XX/XX/XXXX disputing inaccuracies, requesting validation not verification, was only sent verification again. I sent another letter around XX/XX/XXXX requesting Experian method of verification and they sent me a letter stating they previously processed a dispute and the credit grantor verified accuracy and they would not reinvestigate the same dispute at this time even though the information requested was not sent and according to the FCRA this is a clear violation. If the credit bureau can not validate the accuracy the account must be deleted from the consumer file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
My situation with Southern Management is they put a debt in my credit and I explain the situation yo several times that somebody deft my identify including my taxes but I do n't know why they insist to continue with this. 
Appreciate everything to can do for help me with this particular Many Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Tried to book a flight with XXXX XXXX, upon booking I received a notification if I sign up for an XXXX promotion Credit Card, I would be entitled to a {$200.00} discount. Thinking this would be acceptable due to the promotion ad, I signed up. Upon notification I was approved, the discount was never applied therefore I paid full price. In addition, I was supposedly expected to click a travel number to access although this was not clear nor present when applying. When my wife called, she was explained that since this option was n't clicked, we must wait for it in the mail and ca n't be given over the phone which is completely ridiculous since they can verify the information I just provided. 

I would never have chosen Delta without that discount as I have a family emergency to attend to and at this point I thought I would be able to resolve with the XXXX customer service. After 7 calls between my wife and I to cancel the card since it was moot, we were passed around and hung up on each time besides the last, which the department I needed already closed. The customer service department repeatedly asked us to explain the situation, which took about 3 minutes, then said we could n't help you and new accounts would. If the situation was handled properly we would have been able to communicate our concerns with new accounts prior to there closing. After 7 phone calls, the situation was so frustrating we asked for a Manager to speak to. We were given XXXX, who was quite unhelpful and disrespectful. I advised the associate on the spelling of my name, XXXX, several times but she decided to call me XXXX XXXX which after I corrected her, she still continued to call me by that name. This transacation clearly violates UDAAP and validates XXXX is predatory, stating they can do one thing while they clearly could not. 

All I wanted tonight was to cancel my credit card and ensure it did n't affect my credit since I we did this under false pretenses and within 20 minutes of the application. After delaying this request through transferring and hanging up, it surely was a tactic to ensure that my credit and their fee would be affected. 

They recorded each call of mine, therefore should there be a dispute of this. XXXX, the " supervisor '' of " customer service '' stated they ca n't review the calls. A decent debt collection/customer service company should have a quality assurance/compliance dept. that examines this but above exemplifies they do not value this aspect of business or their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX WHO IS A DEBT BUYER IS REPORTING A ALLEGED DEBT THAT I DO NOT OWE THEM, I HAVE NO CONTRACT EXIST THAT I OWED SUCH ALLEGED DEBT. THIS INACCURATE REPORTING IN MY CONSUMER CREDIT REPORT HAS HARMED AND DENIED ME FROM OBTAINING CREDIT AND PREFERRED RENTAL UNIT. 
XXXX XXXX XXXX works with its affiliate, XXXX XXXX XXXX ( XXXX ), to service accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XXXX/XXXX/XXXX XXXX XXXX reports invalid fraud lent information stating a address I did n't live within I also have proof to prove my report and also they reported I owe something to them but I do n't owe anything because I left due to domestic reasons and it was on the news. The original report was made back in XXXX/XXXX/XXXX but I am no longer even in that place and still putting unverified information on my report this information is not correct and not valid. Date of my last activity was not 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 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed in my Experian credit report still showing XXXX XXXX XXXX credit card that should have not been there and I contacted XXXX XXXX XXXX as to why they are reporting this inaccurate information to experian and they dont know where they get that information from and it should not been in my report. This information has been reporting in my credit report for decades and should have been removed by now.

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 2018-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
My car payment is due on the XXXX of every month. It 's handled 100 % electronically. I do n't receive paper statements. 

On XXXX XXXX, XXXX, I went online to the GMFinancial website to make my payment. There was a message that the site was down for maintenance. 

The following Monday I attempted to call and got a recorded message that the customer service department was closed while systems were being updated. 

I attempted to go online and to call every day. 

Today, XXXX XXXX, the site went live again and GMFinancial is charging me {$220.00} in late fees ( on a {$380.00} payment ). 

The payment was n't made because all of their systems were unavailable. The onus for any lateness in on them - I made every effort to make my payment on time and their system would n't allow it. 

Additionally, I question why a late fee would be 60 % of the regular monthly payment. 

During the time I 've had this account every payment has been made on time and every payment has been for more than the minimum payment due. 

I do n't know if this is sloppy business or an intentional attempt to defraud me. 

I request your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has acquired fraudulent accounts from XX/XX/XXXX-XX/XX/XXXX, and will not look into the validity of the accounts or stop collection efforts. I have previously retained a lawyer and gotten one case/account closed, and myself dismissed from financial obligation due to the account being fraudulent/identity theft. There are three accounts acquired by MCM with the following amount : XXXX XXXX- {$1900.00} XXXX- {$3300.00} XXXX XXXX {$1400.00} These accounts are the result of Identity theft and I would like them to close the accounts/dismiss collection efforts and stop contacting me for payment. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I had a XXXX XXXX XXXX XXXX XXXX account that was charged off. I spoke with XXXX XXXX in XXXX of XXXX and agreed to a settlement of {$770.00} to be paid by XXXX XXXX, XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XXXX XXXX, XXXX. On or around XXXX XXXX, XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter. 

On XXXX XXXX, XXXX I contact XXXX XXXX  again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX  send me a letter confirming this agreement and again raised concerns about not receiving it the previous time. 

I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX  indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX 's misleading actions.

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 2018-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing has alleged that there is a contract between parities, within this complaint there is no contract. We have made multiple attemps to resolve this issue with the CFPB and other agencies and now have filed a lawsuit against XXXX, XXXX XXXX, Select Portfolio Servicing and all other banks involved. The CFPB stated that " We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to  identify questionable business practices that may lead to investigations and prosecutions ''. This is a great idea to bring about prosecutions using the RICO act, due to the continuous illegal tactics and communications to collect a debt that has been proven to be created by identity theft. SPS continues to re-send the same documents that have been proven to be forgeries. They also seemed to have created new documents, and alleged without varification to have a contract with the property owners, but when ask of the contract, they have not produced such contract and or have placed this situation to higher investigations. No affidavits, no witnesses, and no officer signs off on the the alleged documents wherein its just made up accounting and numbers, with no proof of a contract. They state that they are follwing the law, but make no mention of what laws they follow. It is assumed and believed that they SPS are a foriegn agency and are illegally attempting to collect fraudulent debts within the USA. Having an address or a location in the USA doesnt make you a company within the USA, they have simply just got or aquired a name and are attempting to sieze properties within the USA as outside agencies or fraudulent companies.

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 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I had a XXXX XXXX XXXX Store Card account that was charged off. I spoke with XXXX XXXX in XX/XX/XXXX and agreed to a settlement of {$770.00} to be paid by XX/XX/XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XX/XX/XXXX. On or around XX/XX/XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter. 

On XXXX XXXX, XXXX I contact XXXX XXXX again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX send me a letter confirming this agreement and again raised concerns about not receiving it the previous time. 

I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX  indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX XXXX  misleading actions.

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 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
XXXX XXXX, XXXX ( 2 mos ) XXXX XXXX XXXX I have never been to XXXX XXXX XXXX XXXX and I do n't know where this hospital belong. Please remove this off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: NY

Complaint narrative:
This has been ongoing situation since XXXX. I have a direct student loan from attending XXXX XXXX which I have been paying 2x monthly but none of those payments are being applied. 

I also have a XXXX XXXX loan I have been payment with the same frequency and amount while I was attending XXXX XXXX. All of my payments have been going to XXXX XXXX none of the payments designated for my direct loan have been applied to to my direct direct loan. 

This amounts paid toward direct loan are 1- 1 1/2x the monthly minimum payments that should have my direct loan ahead/current. This is not the case. It has me as 6 months delinquent with added late fees. 

So because of this my credit report show me delinquent on both XXXX XXXX XXXX with increase to both loans with interest/late fees applied to both. 

Navient can not offer my an explanation as to why despite different account numbers all payments are only being applied to one loan I have been making these payment electronically via bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
I beleive I have been falsely denied a discover it credit card with a minimal {$500.00} credit line on XXXX XXXX, 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates.

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.

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 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.

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