vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
The vehicle that was on the lease is now a total loss. However, XXXX XXXX XXXX has my account open on my credit report for an outstanding deductible. There is no payment arrangement, so I am not sure why this is still on my credit report. I am receiving 30 day late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I first received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, and responded in writing on XX/XX/XXXX requesting more information about this alleged debt they claim I owe. XXXX XXXX, XXXX received this letter by Certified Mail on XX/XX/XXXX. 
I received a response, with a letter dated XX/XX/XXXX, stating that this debt is indeed valid and have included a supposed Verification of Debt which looks like a made up letter. On XX/XX/XXXX I then proceeded to contact PayPal, the original creditor, and talked to a XXXX employee ID # XXXX. She stated by phone, which was supposedly recorded, that she will mark this account in her records as fraudulent and that I should receive something by mail and then guided me to FTCs website to file an Identity Theft Report which I later did. 
Ive never received any correspondence from PayPal or XXXX. I then mailed XXXX XXXX, XXXX another letter on XX/XX/XXXX after my phone call with a XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX I also mailed them a letter from FTCs website asking them to stop all collection activity yet they continue to ignore my letters that I am a victim of identity theft as this account is not mine. XXXX XXXX, XXXX is still continuing to collect on a fraudulent account and keep mailing me the same document over and over. All copies will be uploaded here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: AL

Complaint narrative:
XXXX XXXX XXXX is reporting a debt that does not belong to me. I have tried to dispute this debt on several occasions since 2015. Most recent dispute resulted in me being informed that the debt was sold to another lender however, the debt still appears with credit ones name on my report. Although it has been requested in writing on several occasions no verification of has been sent to me.

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 2018-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I held this credit card for over five years. My payment history was good and as result the amount of credit extended to me was increased. My payment was due on or around XX/XX/XXXX. On the evening of XX/XX/XXXX, I made a payment in the amount of {$2000.00}. I immediately realized that I made a mistake but given the hour could not correct it. I called the next day and tried to stop the payment to no avail. The payment was processed and returned by my bank. On XX/XX/XXXX, I made a payment in the amount of {$2000.00}. This payment was processed. On XX/XX/XXXX, I was notified that the account would be closed and my interest rate increased to 26.24 %. The correspondence cited a number of dishonored payments and that simply is not true.

This seems extremely harsh considering I remedied the error, there was no impact to the lender, and my payment was timely. If I missed the payment entirely the impact would not be as severe, merely a late payment fee. The action taken by XXXX XXXX negated my effort to reduce this debt. This has negatively and unnecessary destroyed my credit.

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 2018-05-02 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: VA

Complaint narrative:
I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX  student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan  1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.

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 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
The company is XXXX XXXX  XXXX XXXX and they are sueing for XXXX for an apartment that was not 100 % satisfactory apon move in than the complex refused to fix problems just weeks after moving in and gave a notice to vacate and refused to take rent so I moved out took pictures and kept all correspondence via email and letter. I returned the key they oved someone else in within week afer I left and now they are attempting to sue me for fees. No damages or any other issues just fees.I have recored conversations and pictures as well as proof the complex never sent me by ceritied mail a letter for any delays in repairs as they should have if they could not do the necessary repairs in a timely manner.

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 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my Bank of America checking account was closed WITHOUT warning or prior notice. My account was frozen and I was told that I am not able to withdraw my funds from my account. 

I was told my my funds are being mailed to me and that it could take several weeks before I receive my money. 

I have apporximately $ XXXX in the account that is being closed. 

I have bills that are supposed to be paid out of that account in a few days, including my RENT! I am now most likely going to receive late fees for these charges and on top of that I have no money to pay for anything because the bank decided to abuptly close my account.

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 2018-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX.I received a letter from Chase informing me that my safe deposit box was closed.I had NOT closed that box.When I called the next day, I was told that the box had been drilled on XX/XX/XXXX.The explanation I received was that the auditors were trying to update info on the secondary signer of the box.I was never contacted re : this issue.I did ask why, as the primary signer, I was not contacted, I got no satisfactory explanation.I was never contacted to remove the contents of the box.When I did ask about the disposition of the contents, I was asked if I wanted the contents.That seemed like an odd question to me.I would think I should've been notified of this entire situation.I did receive the contents, on XX/XX/XXXX.All contents were accounted for.I still want to know how my safe deposit box could've been drilled without notice to me, and since the box was drilled on XX/XX/XXXX, why the check for renewal of the box was accepted by Chase.I did receive reimbursement for the rental with the original I am not looking for anything but a reasonable answer to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: VA

Complaint narrative:
I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX  Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX  Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.

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 2018-05-02 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: VA

Complaint narrative:
I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: IL

Complaint narrative:
I have communicated with XXXX XXXX XXXX  and XXXX & Equifax about correcting the late payments in association with ALL 12 XXXX XXXX XXXX accounts ( associated account # s : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ).

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( XXXX XXXX XXXX ) which subsequently requires no payment and therefore further supports my stance of the 12 XXXX XXXX XXXX accounts  never being late and the payment history being wrong. There are 4 late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: IL

Complaint narrative:
I have communicated with XXXX XXXX XXXX  and EXPERIAN & XXXX   about correcting the late payments in association with ALL 12 XXXX XXXX XXXX accounts ( associated account # s : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ). 

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( XXXX XXXX XXXX ) which subsequently requires no payment and therefore further supports my stance of the 12 XXXX XXXX XXXX  accounts never being late and the payment history being wrong. There are 4 late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.

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 non-monetary relief
Consumer complaint received 2018-05-02 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I was on a payment arrangement with XXXX to clear a balance owed. I never missed a payment on the arrangement with XXXX because it was setup on auto payment. During my repayment plan I was assured that my balance would not be forwarded to a collection agency. On XX/XX/XXXX my final payment of {$37.00} was auto debited from my bank account. Then on XX/XX/XXXX I received a notice from XXXX XXXX XXXX stating I owed {$30.00}. When I inquired about the {$30.00} I was told it was a payment plan fee from XXXX and that I owed the amount. It was never communicated to me by XXXX that a payment plan fee was owed. This collection from XXXX XXXX XXXX has since been placed on my report reports unfairly. I went ahead and paid the {$30.00} fee because I wanted to resolve the issue, but it was never communicated to me that I owed a fee and XXXX confirmed that my account didn't go to collections. I've tried several times to have XXXX correct with issue with XXXX XXXX XXXX so they can remove the info from my credit reports. This negative credit reporting is creating a hardship for me and it should have never been reported based on all communications from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: CT

Complaint narrative:
my loan was in rehab approx. 12 months and I never missed a payment. once the loan was rehabbed I was transferred to XXXX XXXX XXXX to handle my loan. I initially spoke to someone from their company in XXXX or XX/XX/XXXX. I gave payment information to process payments and my payments at the time were XXXX  and I was on direct debit with the other company. I did not received any other emails from the company in my inbox one or two went to spam the company claims they were sent but I can not confirm since they could have gone to spam. On XX/XX/XXXX my mortgage servicer requested a rapid rescore for the 20 points I needed to get my pre qual letter. it was processed and we re ram my credit on XX/XX/XXXX to find out my score dropped on one report 64 points because XXXX XXXXXXXX XXXX reported over 90 days late over XXXX. I called them immediately spoke a supervisor on that Monday and called back Every day until the following Monday. I spoke to 6 supervisors and 8 reps. none of which could give a date they tried to call and I was told more than once they will not call because I was paperless. the supervisor on XX/XX/XXXX told me my phone number was listed in red in their system and asked had my number changed I said no and asked why no one called she stated she doesn't have an answer. I found out during that week that my payments changed to 160.+ per month but I had no idea because no one contacted me or confirmed I ever received payment change information. on XX/XX/XXXX I called Ombudsman at both the dept of education and XXXX XXXXXXXX XXXX I received a call back from XXXX or XXXX at XXXX XXXX XXXX after a week of no one having a record of any phone call attempts she fabricated 2. I was told that my number was disconnected according to them on XX/XX/XXXX I have attached my phone bill and if necessary can allow you access to my account to pull the bill yourself. there is no time on any of my bills I can see a call from the servicer ever and my phone was as you see working fine -- also they fabricated a call to a second number on XX/XX/XXXX and that person confirmed and will sign a sworn statement to that effect is this goes to court that no call was ever attempted. I also gave permission for voicemail even if it was a recorded message I got no recorded messages because they are lying about calling. I lost a mortgage my broker is also willing to give a statement as well. Failure to properly communicate about this debt, payment change ect is a violation of my rights under fair credit reporting and needs to be rectified. I have consulted an attorney who advised me to exhaust all available avenues which is what I am doing. as you can see from the attached email chain the mortgage situation is real no fabricated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: FL

Complaint narrative:
In XXXX of 2017 I complained to the big 3 reporting agencies that my balance was shown too high for a prolonged time thus lowering my score. They deleted the card from my file [ not at all what I wanted ]. XXXX and XXXX XXXX began reporting again and reinserted accurate information. Equifax never did. XXXX XXXX  assures me they report as required monthly. I have enclosed a letter from their XXXX XXXX XXXX who phoned Equifax with me yesterday in an effort to have them report my card. We left frustrated once again that they have not corrected the error. In their response to you to close my initial complaint they lied and stated XXXX XXXX is not reporting on my file. To illustrate their incompetence further about 6 weeks ago my knee was bothering me and I had my sister do some grocery shopping for me. To make it easier for her I added her to my card so she would not have to use her own funds. The incompetent Equifax is now showing my card on her credit file but still not mine. I have filed disputes with them on-line, over the phone, in writing via U.S. mail  and thru the CFPB but nothing works. On-line I can not see the remarks since they block me from access since they do not recognize me. I am frustrated beyond belief that they continue this error despite my sending copies of my statements and payment history. I have just been turned down for a refinance on my home due to their low score which dropped over 100 points since according to them I have no credit hjistory. IN truth I have excellent credit history never late, balance always paid in full early before even being billed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
I have spoke with XXXX  on several occasions in regards to the derogatory mark on my credit from Southwest recovery department. There is no solid proof that I took out a loan on-line. There is no identification this company has of me beside my e-mail address. They want me to send them my information which is not necessary, because I took out this loan they should be able to provide proof that it was actually me. The representative at XXXX does not understand English,  which is very hard to explain things to them. Each state has its own statute of limitations on debt : the amount of time the court will force you to pay a debt. For the State of Florida An Open-Ended Account have 4 years to send someone to collection for a debt. They claim I took a loan out in 2012 which I never took out is past the timely filing limit. Which this should be remove off my credit. This company is doing fraud and needs to be investigated.

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 2018-05-02 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 — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I dont have any idea why these people are constantly call my phone and they were calling my job at one point. They call from different numbers. I block them and they call from another number they just switch up the last two numbers!!!!

Company response to consumer: Closed with explanation