vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
On XX/XX/XXXX I was served with summons for case number XXXX Filed by Dunlap Gardiner LLP Dunlap Gardiner LLP Presented them selve 's to be the Collectors for XXXX XXXX XXXX XXXX this means the FDCPA Rules Applied to them under 15 USC 1692a ( 6 ) Dunlap Gardiner LLP is in violation of State Law and the  FDCPA Rules XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP under Oath stated that the information in their Statment of Claim and Exibit A which was incorporated and made a part of their Statement Of Claim was Just and True in Violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury on Exhibit A ( 8 ) they told the court that they mailed a Collection Letter via first class and that the Defendant failed to Object ( Dispute ) to the Validity and amount fixed they also included a copy of said letter dated XX/XX/XXXX but it was actually posted XX/XX/XXXX account was disputed right away with a Dispute Letter Dated XX/XX/XXXX a copy of said letter is attached to this complaint and incorporated by reference and made part of this complaint In their own statement they prove they failed to validate this Disputed account in violation of the Fair Debt Collection Practices Act, 809 : Validation of Debts. 

FEDERAL court has ruled against Debt Collectors filling a lawsuit on Disputed Accounts UNITED STATES OF AMERICA VS ASSET ACCEPTANCE LLC 3. Case # 8:12-cv-00182-T-27EAJ COURT ORDER 01-31-2012 01Case # 8:12-cv-00182-T-27EAJ Ill. 
Asset acceptance was Order to pay pursuant to Section 621 ( a ) of the FCRA, 15 U.S.C. 1681s ( a ), and Section 5 ( m ) ( 1 ) ( A ) of the FTC Act, 15 U.S.C. 45 ( m ) ( 1 ) ( A ), the amount of XXXX XXXX XXXX XXXX XXXX dollars ( {>= $1,000,000} ). 
for violation of the FCRA and the FDCPA XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP have brought a Lawsuit against me by Lying to the court in their statement of claim this is a violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury they presented misleading statements showing a letter with a date of XX/XX/XXXX when in fact this letter was stamped by The United States Post Office on XX/XX/XXXX in an attempt to make the court believe the 30 days required to dispute a debt had already passed copy of stamped Envelope is attached to this complaint and incorporated by reference and made part of this complaint This is a Violation of the Fair Debt Collection Practices Act, 15 U.S. Code1692e. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took out a student loan with Navient in 2007 to attend XXXX XXXX. Never gained any credits or anything from that school, because of them not being accredited made my attendance there worthless and the loan that they wanted me to pay back. I was flat out lied to. Navient denies loan forgiveness even though XXXX XXXX was sued for fraud and discredited by Department of Education. Not only that Navient has been sued for fraud in the same timeline this has happened. They did not help or give much choices, just you can postpone until you pay the amount. Both institutions were conducting fraudulent activities preying on low income. Which puts them in breach of contract. I need this removed from my credit report. This whole experience has put a burden on me and my trust in the education system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a payment of {$260.00} to XXXX XXXX on a website called XXXX. I was assured that I would receive the item I actually purchased. I have not recieved my item or got any reimbursement whatsoever after all this time. I want a full refund because this is unfair. I used paypal as a transaction and they wouldn't help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-13 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-13 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX amount {$570.00} was deleted off my credit report due to they wasn't able to provide my bearing signature with a contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently reviewed my credit report and found a series of disturbing alerts. All of these inquiries and accounts have been submitted and/or obtained without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
By looking at MyFICO the status of my Military star card on XX/XX/2019 it was sent to a collection account for the amount of {$610.00}. I had never got an email, phone call, or a bill sent in the mail to me, without receiving anything I didn't have the information I needed of where to send a payment to. I had never got a call until the collection company contacted me. When I got the call from them about this account, I paid it in full. I had asked them if since I never got anything about this account if there was a way we could remove it from my report, they said no they weren't able to remove it all they could do was put it as paid. We are trying to get a home loan and this on my report is hindering my chance of getting approved.

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 2019-11-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: PA

Complaint narrative:
XXXX XXXX placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.

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 2019-11-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPM Amazon card avoided sending bills after requested and continued to charge late fees even though they were aware I was not receiving bills. It appeared deceptive and likely is a predatory practice to extract additional fees by creating confusion. I imagine many others have a similar issue so I thought it would be worthwhile to post. In my case I spoke with several managers, most recently  XXXX in Missouri who told me that, even though I was charged additional fees before receiving the bill and after complaining that I had not, Essentially leaving me no potential time to respond or written notice in any form after making them aware that I did not have access to an online account as no emails were being sent to my address. He informed me that the fees could not be waived were we simply stuck with it. I have other cards and have never had a problem making payments but it seems like 9/10 times there is a late fee that crops up with this card. I think they intentionally complicate and obfuscate as a predatory practice to extract fees that customers are unaware of. 

Notably I considered writing the company about this but figure if this is a predatory practice probably better to report it here. They also seem to be doing some strange things with reward cancellations etc ... I think someone would do well to see if the company cleaned up after the last batch of credit practices were aired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 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: IL

Complaint narrative:
As of XX/XX/XXXX my federal loans have been consolidated with fedloan servicing. At that point I made the transition solely for the Public Service Loan Forgiveness ( PSLF ) program. I made this clear with the representative and was told that was what I was signed up for. In between XX/XX/XXXX and XX/XX/XXXX I followed up on this multiple time throughout the years and came to find out in XX/XX/XXXX that they needed more forms to include the PSLF form and employment certification. Since then till this date I have honored their request to submit forms and proof of my XXXX XXXX employment with the XXXX XXXX XXXX XXXX, which I have been enlisted full time with from XXXX XXXX -  presently. The multiple representatives I have spoken with stated I have been on track and had a case number XXXX after I got PSLF denial and submitted TEPSLF as I was told would be what forgives my loan. Today, I spoke with XXXX, employee number XXXX who stated without me knowing my account was in forbearance from XX/XX/XXXX -XX/XX/XXXX.  During this time no one made me aware of this or sent me information concerning this. My frustration is this whole time, I've done what they have asked and believed after 10 years in the programs the loan would be forgiven. At any point if I was told during the conversations in which I asked continuously if there is anything else I need to do on my part and gotten consistent " no 's '' that this loan being forgiven would happen this year from what the representative told me on XX/XX/XXXX, at XXXX CST. It just appears to me their was every very little intention on forgiving my loan. Instead I'm left with the impression that this was a scam to receive interest funds from loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: NATIONS LENDING CORPORATION
State: CT

Complaint narrative:
Hello, I received a call from a man that stated that he worked for nations lending stated that he received my inquiry online for looking into the FHA loan I advised that I spoke with another company and was advised that I would need to save about {$7000.00} before moving forward the gentleman asked me if he explained to me what I needed to do and I advised yes he asked if we talked about my credit score I advised yes that my credit was around 620 he said oh okay so the credit is not the problem thats when he told me that they will be getting a program called the down payment assistance program and that he would just take my information for now and add it to the speared sheet that he has with everyone else information he stated that this program is for people that has the credit but just need help with the down payment I said okay, the gentleman NEVER stated that he would be running my credit we never talked about him running my credit, the next day I received an email telling me that this company had ran my credit, I tried to contact the man several times and never once called me back, I then reached out to the better business bureau where they sent me an email stating that they will have the company contact me on XX/XX/12 I received a call from a man named XXXX he stated he reps the company there would an investigation and would get back to me that it would take 48 hrs I then received another notification from credit karma telling me that my credit score dropped this man took my information and used it without my permission or knowledge.

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 2019-11-13 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: NJ

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2019-11-13 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX amount {$570.00} was deleted off my credit report due to they wasn't able to provide my bearing signature with a contract

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 2019-11-13 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Im a victim of identity theft and fraudulent accounts have been opened in my name XXXX XXXX is still reporting information about me that is false from checking accounts that were open fraudulently. A XXXX Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.

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