vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ABR Recovery Services LLC.
State: KY

Complaint narrative:
ABR Recovery Services continually harasses me and places false information on my credit report. 

I previously filed multiple complaints against ABR Recovery Services : Complaints XXXX, XXXX, XXXX. 

ABR Recovery Services claims I owed them a debt that I had already settled and paid with another creditor, XXXX XXXX. I submitted this paperwork directly to ABR Recovery Services and all the major credit reporting agencies in XXXX and XX/XX/XXXX.ABR Recovery Services removed the reporting to the credit bureaus and multiple attempts. 

To my dismay on XX/XX/ I received a credit alert stating I had a new collection account placed on my XXXX  report from ABR Recovery Services. I immediately called XXXX  to dispute this. They have been no help. 

I am tired of being harassed by this company. This is the third time that they have violated my rights under the Fair Credit Reporting Act. 

I demand that they quit reporting false information and remove any reports of the account they have. I believe this company should be served a penalty for continued harassment and cause citizens duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I have paid all final charges from XXXX. I paid all fees and charges before canceling service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hi, I have some hard inquires in my credit report that I didn't ask for, accounts that were closed on good standing that look open and some collections that are not looking accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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 — Was not notified of investigation status or results
Company: SLM CORPORATION
State: NY

Complaint narrative:
I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, Sallie Mae and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion & XXXX  are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX   does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The GA US Bankruptcy court has not reported this information. I have asked that this be removed from my TransUnion & XXXX files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from 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 explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Dear CFPB, First of all I'm incredibly grateful for your existence. Consumers do need protection from predatory lending corporations and corrupt banking institution 's with inflated interest rates that are impossible to pay. 

Realistically the average college graduate does not earn the amount that Navient, XXXX XXXX and other fraudulent lenders are billing them. Even upon negotiating the monthly amount, the interest rate incurs a debt that is greater than the amount lent to the individual. I'm sure you are familiar with these institutions and their predatory lending practices. 

After discovering this for myself I applied for various forbearance, deferment, and debt forgiveness programs. Unsuccessfully, for the past 10 months I have been recieving daily computer automated calls from Navient and XXXX XXXX XXXX or more times and each time they leave a message leaving a generic name and call center number. 

Is there any way I can sue these companies for calling me so incessentaly for the emotional strain it's causing me? I'm aware that there is a automation making the calls but there's a person on the other end. 

Finally, I'd like inquire for the investigation of the demographic whom these loans are targeting, in actuarial terms the lending institutions have access to the database of statistics predicting the defaulting of the debtors on their loans. Firstly the inability of the demographic to attend colleges or universities without the loans, and they repayment structure is built on the fact that the majority of graduates or non graduates can not pay the full balance immediately or within a time frame that the loan does not accrue an inflated interest rate that values the loan higher than the actual tuition costs. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: Stanislaus Credit Control Service, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent a certified 609 letter to Transunion on XX/XX/XXXX asking them to send me copies they have on file verify for XXXX XXXX XXXX in {$12000.00} and XXXX XXXX {$0.00} balance which was charged off. Also XXXX XXXX that closed in XXXX. All three accounts came back as verified perTransunion however they did not send me any information I requested within the time frame. I spoke with a representative last week on XX/XX/XXXX and stated the handwritten letter was received.

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 2018-02-13 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: SC

Complaint narrative:
I submitted a request to Equifax to remove two unauthorized ( XXXX, XXXX  XXXX ) inquiries off of my credit report. They said they investigated and they were actual and I should contact the account holders, I submitted this to the other bureaus also, with the items being deleted. These were unauthorized without permissible purpose, and the bureau is held accountability for accurate items, how was their investigation now successful in a deletion, did they fully investigate? This bureau is a common name nowadays with consumer breaches and consumer files.I want these items removed or supply me with how they investigated and provide me the proper paperwork with my signature authorizing these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
The deb collector is trying to collect monies not owed. All monies owed to the City of XXXX XXXX Fire Department has been paid. I have requested the collector agency to remove my information from their system and they have refused. It appears my information was given to them in error while I was in a Low income program waiver process, appeal and under a installment payment agreement. This account has been paid in full to the City of XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
Trident Asset Management LLC Several Letters were sent to Trident and letters to XXXX  for a validation of debt for a XXXX bill. I called XXXX and they had no info on this account, I asked Trident for verification and they sent me a itemized bill with the wrong name. After I told them I want the original contract with my signature, I never heard from them. 
Certified letters were sent to Trident on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX also directly to the physical address c/o XXXX XXXX ( CEO ) and XXXX XXXX XXXX, compliance Manager, which came back return to sender ), and a final letter sent on XX/XX/XXXX. Im really upset that they had the audacity to send me a settlement letter from the XXXX. XXXX XXXX address and it was dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX & Experian are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX  does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The XXXX XXXX XXXX XXXX has not reported this information. I have asked that this be removed from my XXXX & Experian files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from 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 explanation
Consumer complaint received 2018-02-13 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Wells Fargo credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years 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 2018-02-13 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: CA

Complaint narrative:
Equifax is allowing a company to falsely report a hospital debt to my credit. I contacted the company the dispute the report. Not only did the representative try to collect my information so that she can put it in their system she got upset when I called the hospital while I was on the phone with her. she stated that shes going to mark it as disputed but its not going off of my report. She tried to talk to me as if its my debt, when I told her I dont think it is and verified that it wasnt when I called the hospital. I explained to Equifax that this collection company did not have my name or social when I called them to look up this debt. I gave them this info when I called and they couldnt pull it up. Yet Equifax marked my investigation for these collections accounts as verified. The hospital does not even have my name or social in their billing department either. So, equifax is allowing this company to report information on my credit report without full proof because this company is paying them to report. It is not fair to the consumer and should not be tolerated. I want this account removed from my report. It is not mine, and the company doesnt even have the matching information to report it. It is absurd. 

Nothing works in the consumers favor in these systems. It is really sad. We are just stuck, and left to keep disputing things that destroy our credit. It is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: Stenger & Stenger, P.C
State: GA

Complaint narrative:
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix 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 2018-02-13 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: PDQ Services, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I placed a call into Kohls credit card customer services on the XX/XX/2018. I called into customer service due to my neighbor brought me a letter from Kohls stating my bill was delinquent. I called into customer service and discovered your company had the wrong address for me. Therefore, this is the reason I never received my bill from Kohls in months. The first representative told me that she understood and could get my address updated. She also stated she could either waive {$50.00} or waive {$110.00} in late fees on the account due to me not receiving my bill. I decided it would be best to have her waive the late fees. However, she said I had to pay the full balance upfront for her to waive the fees. I asked to speak to a supervisor because this was unreasonable because that I never received my bill from your company. I then asked to speak with a supervisor who was beyond disrespectful. 
I spoke with him to see if I could get some type of resolution and go back to making minimum payments how the account is normally set up. In addition, advised him the last representative agreed to waive the fees because I never received my bill. He went on to tell me that he was not waiving my fees even though that is what the first representative told me. I asked him how it is that one person says one thing and another person says another. He made it very clear that he was not waiving any fees. I explained to him that I was just calling trying to get my account rectified being that I was not sent a bill. I recently had a similar issue with another credit card company and not only did they waive the fees but they also did something called a renege to bring my normal minimum payment back in additional update the CBR agencys since I never received my bill. 
I am very confused as to how your company has someone like him working for the company. Its like he already had it set in his mind that he was not trying to understand where I was coming from as a customer. I am very upset as to how I was talked to as a customer. I am writing a complaint and trying to get resolution since when I called customer service I was talked to in a very condescending and disrespectful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
The balance on my XXXX XXXX account is XXXX I believe. This card was used on XXXX to make several purchases using my XXXX account without my consent. The total of which is around 1200.The persons who used the account without my permission/consent were paying me for said charges, however, they have recently moved out and payments stopped.. I attempted to request a settlement offer, however, I was told there is not one available. I've paid off the account minus the fraud charges which the total is a rough estimate as I do not have my full XXXX order history available to me at this time. If Synchrony Bank is willing to adjust account to XXXX or accept a settlement offer for less that what is owed that is considered reasonable with said fraud charges.

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 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have my Mortgage with Dovenmuehle. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX I requested to have my PMI cancelled on XX/XX/XXXX according to the Homeowners Protection Act. They sent me a letter on XX/XX/XXXX about my request. My original Loan amount was for {$240000.00} in XX/XX/XXXX. It is a seasoned Loan. I have not missed a Payment and I now owe {$130000.00}. I am now at 53 % LTV ratio.  According to the Homeowners Protection Act, they are legally required to remove the PMI. They are also required to send me a letter every year updating me when It will be removed, they never sent me such documents. 

According to their letter, I must buy an appraisal from them, and only them. They stated that if the appraisal shows that the house is worth the same amount as the original appraisal of {$250000.00} then they might consider canceling the PMI. 

I called them back and told them that the Homeowners Protection Act does not state that I am required to get an appraisal to remove it since I am well below the 78 % LTV. They stated that my Loan was a Fannie Mae, Which it is not, and that they require it not them. 

I feel like they are giving me the run around about removing the PMI. 

Please help me, I have a well seasoned Loan, I am at 53 % LTV ratio, I have a conventional Loan. I am up to date with my payments. They need to Cancel the PMI from my Loan. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation