vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 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: CCB Credit Serivces, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I returned my XXXX XXXX XXXX to the XXXX XXXX in XXXX, FL at the conclusion of a 36-month lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected.

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from XXXX or XXXX XXXX. No invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " CCB Credit Services , Inc. '' for collections. Upon receiving this letter, I immediately called XXXX XXXX, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. OnXX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In early XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX Bank. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that XXXX XXXX severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX to resolve this matter in their time constraints, meanwhile XXXX XXXX already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: NY

Complaint narrative:
I wrote XXXX, Experian and XXXX in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out 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 2018-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Advantage Collection Professionals, Inc.
State: NJ

Complaint narrative:
I was contacted by this company repeatedly from this company. I received XXXX but it was done incorrectly by a Dr. that was not suppose to be doing these procedures. I had to get a real doctor to fix my XXXX. The company closed soon after and the lifetime warranty was not respected. The company was a fraud. I am not paying for the torture and debt that this company put me through. The pain and money it cost for me to fix my XXXX. I could have went XXXX  due to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My older loan company sold out to Navient. Navient decided without my consent to make my autodraft payments on the XXXX of every month. I have a schedule and it needs to come out at the ends of every month. When I called they couldn't reset my autodraft to the date i requested. After many phone calls the latest someone could make it was the XXXX of every month. That still doesn't make sense, since there are 11 other days of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
I'm a victim of identity theft. I notified XXXX of this and you. I provided the fraudulent charges several times. As well as police reports and ftc reports. I reported that my card was lost. And never received a new card. Most of this is when I didn't have the card. I filed a few complaints with the XXXX  as well as the cfpb. I can not believe even after taking charges off they. Were then returned. This has been a horrible experience fighting XXXX to prove my case has only made it more stressful.

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 2018-04-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed this item with equifax on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave equifax a call on XX/XX/XXXX asking for the results of my dispute for XXXX. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that XXXX  has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with XXXX. I called XXXX  and spoke with XXXX, who told me that account was closed on their end and he doesn't know why equifax can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XX/XX/XXXX, and it was closed XX/XX/XXXX. I don't understand why equifax lied about emailing me updates. Also, why is equifax saying the company is reporting the account, when the company said they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: William C. Grossman Law, PLLC.
State: NY

Complaint narrative:
I bought a ring from XXXX XXXX XXXX, in XX/XX/XXXX. a gift for my grand daughters college graduation ... ... ... ... I have proof of receipts by the owner, XXXX , that I RETURNED THE RING, ..when I realized I had gone over my head ... 
Last XX/XX/XXXX, I got a letter from collection agency ... My financial counselor at my XXXX XXXX called XXXX, ( collection ) wrote letters, explained that the ring had been returned ... I thought this had been cleared up ... NOW, again, I get another letter a year later, with the same issue..Please, because of this problem, my good credit is in question, and I truly do NOT owe any money on this ring ... Whatever you can do to help me, will be greatly appreciated ... Thank you, sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have requested for US Bank to remove my PMI multiple times since I have reached below 78 % of LTV and they refuse. They want me to pay for an appraisal and legally this is not required. According to the law establish by the federal Homeowners ' Protection Act, which applies to people who bought their homes after XX/XX/XXXX mortgage companies are required to AUTOMATICALLY terminate my PMI at 78 % of LTV, I am at 77 % as of XX/XX/XXXX, and bought my home in XX/XX/XXXX. I have also never been late on payments and have over 2 years of good payment standing.

I have called twice and sent secure email messages through their website on my account 3 times and they just say they need a written request and {$150.00} for an appraisal. The representative I spoke to on the phone said they " never '' automatically terminate. I informed her that by law they have to and that it says that is their policy in the FAQ section of their website.

They also took over 2 weeks just to review my account to tell me they will not do it without an appraisal. I don't want to have to take legal action but they are not following the law.

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 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
stop calling me everyday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
The company Phoenix financial, first called my family. Then they called me and requested social security number by phone. I dont acknowledge this debt and if I did do not have the money to pay it. The guy said they would no longer call. Today, a lady calls from two different numbers with my area code so I would answer the number. I tell her I dont acknowledge the debt, and her response was okay we will post it on your credit ( threat ). Oh by the way, I have never received written notification of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
( 1 ) A purchase was made was made on a Bank of America credit card for {$180.00} on XX/XX/XXXX ( 2 ) The purchase was billed to me on a bill dated XX/XX/XXXX ( 3 ) This was the first time this purchase appeared on the credit card bill ( 4 ) The credit card bill included interest on the {$180.00} purchase. This is the first time I have ever seen this occur.

( 5 ) Is the Credit Card Company permitted to charge me interest on the purchase without even giving me an opportunity to pay off the charge within the specified time period on the bill?

( 6 ) Today 's date is XX/XX/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 monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am attempting to purchase a home, and each time a lender checks my credit report, my score goes down. This is an unfair, fraudulent practice that punished people for doing their research and shopping for the best possible rates and loans. Credit reporting agencies should not be allowed to punish me for asking to view/share my credit 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 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OH

Complaint narrative:
I have been receiving illegal phone calls from XXXX XXXX # XXXX** with a REF # XXXX. I have requested that XXXX XXXX Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. I have requested the proper documentation several times as original contract with a signature and all related materials. I have received NOTHING! Over 90 days ago, I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX | XXXX, MS | XXXX XX/XX/XXXX | XXXX XXXX XXXX, NJ | XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ | XXXX I recently just checked my Chase Unlimited Freedom statements to make sure everything was correct but I remember filing a dispute for these payments back in XX/XX/XXXX online.

After I sent the dispute request, I never got a confirmation message or call from a representative so I thought these payments were successfully disputed. However, it never was removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC
State: TX

Complaint narrative:
Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need have documents or issues. One day I believe they even called me before XXXX XXXX. They call 4 times a day on my cell at least daily. I have not given them permission to call me or my cell. They dont leave messages. I feel threatened as this woman just told me I am a refusal that should pay my debt and made some threatening comment afterwards. I advised her I didnt have to and to stop calling my phone and that I was filing a complaint. She sounded lime she was laughing on the phone. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX  and XXXX XXXX  and XXXX this is causing me as a XXXX XXXX XXXX XXXX XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Credit Resolution, Incorporated
State: LA

Complaint narrative:
XX/XX/2018 -- Received a call from ( XXXX ) XXXX with a threatening voicemail. " Hi ***** this is XXXX with XXXX XXXX. I am calling because a claim has been filed against your name and social security number. Please be advised, you have been scheduled to receive a final demand letter to be delivered to your location or place of employment and we wanted to talk with you before you sign that certified document. I highly advise you contact my department at XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: NY

Complaint narrative:
I wrote Transunion, XXXX and XXXX  in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXXfor an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out 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 2018-04-12 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: NY

Complaint narrative:
I wrote XXXX, XXXX and Equifax in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX is the original creditor. 6 years 2 months ago my contract was over with XXXX XXXX XXXX I called and cancelled my service. I made it clear that I did not want to cancel before the contract was over ( unless they agreed to release me from contract ) and was told that my bills were paid in full and all requirements of the contract had been paid in full ( and or complied with and completed ) including a no obligation for fee 's for phones. Debt collector AFNI has reported a debt to the credit reporting agencies under my SS # in the amount of {$940.00} for a debt they say I originally owed to XXXX XXXX XXXX XXXX XXXX. This debt was paid in full and contract with XXXX XXXX XXXX was exhausted after all contract requirements were completed.

I would also like to put on record that XXXX XXXX XXXX did not have service within 30 miles of my home for the last four months of my contract with them. I did not use my phone for several months because they did not have the ability to provide my phone with service at my residence or place of work or the local town I lived ( live ) in. XXXX XXXX, XXXX  County California. I asked XXXX XXXX XXXX to please end my contract early and they refused. I paid my bill for three months with no services being provided by them to me. I did not cancel my contract with them and waited to disconnect XXXX XXXX XXXX service until my contract was over.

I am requesting that this charge of {$940.00} on my credit report ( reported by AFNI ) be removed.

Thank you!

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation