vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit reporting agencies refuse to remove information that is not mine on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Between XX/XX/2019 and XX/XX/2019, a new account in collections was added to your report. The collection agency is CREDENCE RM. The original creditor was XXXX XXXX XXXX. 

I NEVER HAD THIS ACCOUNT -- -THEY NOW PUT IT ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this accounts.

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 2019-09-14 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: Clarity Services
State: CA

Complaint narrative:
I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A car dealership ran my credit through to many banks without my permission and I only authorized one now it has a negative Impact on my score and also there are names on my report that are not accurate and I wan na dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I tried to log into my account to submit payment but your website won't let me. It says there are technical difficulties before even getting to a login page. When I call the customer service center, I get extremely rude people who refuse to transfer me to a supervisor, instead, they just hang up. Now im being subjected to negative credit reporting for this issue which I can't control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Patenaude & Felix A Professional Corporation
State: WA

Complaint narrative:
Regarding, Summons Case No XXXX XXXX XXXX, Attorney Patenaude & Felix, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX XXXX I have received through a second hand source a summons to me for collection of debt of {$1600.00}. This summons was never officially served on me, but instead, forced upon my non-relative roommate prior to XXXX XXXX in clear violation of the Fair Debt Collection Practices Act. I am assuming that the collections firm will try to declare that this was a formal serving to me even though I was never present. I am asking XXXX, my designated agent for handling my debts to respond anyway, but making it clear that this is a response based on obtaining a copy of a summons that has never been officially served. 

The summons contains false statements. Namely, I am NOT married. I have been widowed since XXXX. And, they did not make repeated attempts to collect as stated in the summons. I have only received one notice from the collections company which was immediately forwarded to XXXX who responded. It has been made very clear that I actively want to resolve this debt. I am informed that the collections company refused an offer of settlement and repayment and did not offer any counter proposal for settling the debt. A lawsuit is their response instead of attempting to settle or arrange for payments. 

Official written statement from my roommate : *** Received via text message XX/XX/XXXX *** Here is my statement : On XX/XX/XXXX, at about XXXX XXXX. as I was preparing for work. I heard a loud banging noise from the front door. Ignored it for a little bit since Im in the bathroom XXXX and not in a position to answer. Finished my bathroom chores and dressed up for work and I again heard the loud door banging. I opened the garage door hoping to leave and ignore the door, but this guy parked on the driveway blocking my side so I had no choice and annoyed that I have to tend to him. At that point he asked if I XXXX XXXX. Of course I said NO and he asked for my name and after he served me the documents. 
*** end of message ***

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The Bank of America Premium Rewards credit card advertises a {$100.00} per year airline incidental credit. They do not make clear, even in the fine print ( " terms & conditions '' ) that the credit does not apply to all domestic airlines. I spent {$110.00} on incidental ( seat assignment ) fees on XXXX XXXX XXXX on XX/XX/19 using my Bank of America Premium Rewards card in the expectation that the incidental credit would apply. Bank of America now says it does not, and that the credit only covers certain airlines that do not include XXXX XXXX, so Bank of America will not credit me the {$100.00}. But their terms & conditions and program rules nowhere name the airlines that are covered, and imply that all domestic airlines are.

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 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Regarding, Summons Case No XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX XXXX I have received through a second hand source a summons to me for collection of debt of {$1600.00}. This summons was never officially served on me, but instead, forced upon my non-relative roommate prior to XXXX XXXX in clear violation of the Fair Debt Collection Practices Act. I am assuming that the collections firm will try to declare that this was a formal serving to me even though I was never present. I am asking XXXX, my designated agent for handling my debts to respond anyway, but making it clear that this is a response based on obtaining a copy of a summons that has never been officially served. 

The summons contains false statements. Namely, I am NOT married. I have been widowed since XXXX. And, they did not make repeated attempts to collect as stated in the summons. I have only received one notice from the collections company which was immediately forwarded to XXXX who responded. It has been made very clear that I actively want to resolve this debt. I am informed that the collections company refused an offer of settlement and repayment and did not offer any counter proposal for settling the debt. A lawsuit is their response instead of attempting to settle or arrange for payments. 

Official written statement from my roommate : *** Received via text message XX/XX/XXXX *** Here is my statement : On XX/XX/XXXX, at about XXXX XXXX. as I was preparing for work. I heard a loud banging noise from the front door. Ignored it for a little bit since Im in the bathroom XXXX and not in a position to answer. Finished my bathroom chores and dressed up for work and I again heard the loud door banging. I opened the garage door hoping to leave and ignore the door, but this guy parked on the driveway blocking my side so I had no choice and annoyed that I have to tend to him. At that point he asked if I XXXX XXXX. Of course I said NO and he asked for my name and after he served me the documents. 
*** end of message ***

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 2019-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: K STREET FINANCE, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I had loaned my vehicle XXXX XXXX to an employee I just hired he took XXXX home to load tools in it his friend borrowed it to go get gas was pulled over and car was impounded I was notified a week later when Mullen finance contacted me saying I owe them {$2500.00} for tow fees and 1 late payment Which a week prior to my due date I contacted the lady at the front desk and her and I had a promise to pay agreement and it was in their computer. Wo which a week prior to my due date I contacted the lady at the front desk and her and I had a promise to pay agreement and strong armed me basically for my vehicle or {$2500.00} and I was not able to get my car myself the police and finance company did not contact Me The registered owner to even retrieve my car? The finance company and I were arguing on the phone and he kept calling me a XXXX when clearly I was not saying nothing racial he hung up on me I have voice recordings of him he is very unprofessional hung up on me and send me fake court order appearances, Basically said he mailed me a court order to appear but never received it I called back to retrieve my car with the money and you kept hanging up on me was very rude and did not cooperate and want to give me my car and said he sold it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: MI

Complaint narrative:
I previously sent in a complaint that I tried disputing a claim by XXXX XXXX was reporting my account 120 days late XX/XX/XXXX and which was impossible because the account was opened XX/XX/XXXX. Now my credit report has changed to 120 days late XX/XX/XXXX! Are the people handling my report that XXXX? for one, I was not late In XXXX and for two, it is still only 60 days open but the erased data from XXXX and XXXX. THIS IS FRAUD! Someone has to be held accountable! If you can't help me resolve this, I want to know who can!

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 2019-09-14 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: FL

Complaint narrative:
EXPERIAN HAS SOME INQUIRIES ON MY CREDIT REPORT THAT ARE NOT MINE. 

XXXX XXXXXXXX -- NOT MINE XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX -- NOT MINE XXXX XXXX  XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XX/XX/XXXX -- NOT MINE XXXX XXXX XX/XX/XXXX-- NOT MINE XXXX XXXX XXXX XXXX  | XXXX XXXX XXXX. XXXX XXXX XXXX. | XXXX XXXX XXXX  XXXX   XXXX  XXXX | XXXX XXXX   XXXX XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: CA

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX I had leased a vehicle from XXXX. My leasing company was XXXX XXXX. I had a 36 month lease term, with automatically deducted bill pay. When my payments were concluded, I received an email stating that all payments were received, and I had completed my final payment in the series. XXXX reported me late during the months of XXXX and XX/XX/XXXX,  however I did not have payments due for those months. Throughout the month of XXXX, I called on three separate occasions to verify if I owed any additional payment, and to clarify that I could simply drop the vehicle at the dealership. I was told that I was current on payments, and confirmed to drop of the vehicle. 

The credit reporting error came to my attention on XX/XX/XXXX. I called XXXX, spoke to XXXX and her supervisor XXXX, employee # XXXX on XX/XX/XXXX. I was told that yes, in fact this was an error, as no payment was due at this time, and they would be removing the marks from my credit. 

I disputed with all 3 credit bureaus for the late payments reported in XXXX and XX/XX/XXXX. XXXX  removed both marks in XX/XX/XXXX. 

My credit report on XX/XX/XXXX showed that XXXX  removed XXXX but kept XXXX, Equifax   removed XXXX but kept XXXX. When I checked my dispute status with XXXX, it shows n/a for both completed and results. 

Additionally, my XXXX  page shows the wrong Fico score for the other three bureaus, which seems to account for the XXXX payment being removed from all 3. 

I would greatly appreciate your assistance to encourage Equifax and XXXX  to update their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Me and my wife made reservations to XXXX XXXX in Arizona in XXXX of 2019 because it is the only way to ensure you can get a space. We only had an opportunity to go in XXXX XXXX 2019 ; however, at this point in time we financially can not afford to continue with our reservation so we cancelled it online which is the only option and that was successful. The other item which was the mule pack on XX/XX/XXXX and XXXX can not be reimbursed and there is no number to call or email to have someone reach out to you. I have not utilized the services and I was originally charged without my consent anyway. I am extremely frustrated because my bank is not giving me an option to even file the claim for a service I have not even received yet and will not be using now. 

My XXXX XXXX card was charged on XX/XX/2019

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 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
File disputes with Experian and XXXX and XXXX XXXX.Two of the bureaus have deleted the information XXXX XXXX and XXXX have deleted the information Experian however refuses to do to delete and not provide correct information their only resolve is to say that the item remains without proof of verification. This bureau needs to be held accountable and needs to provide proper documentation that is legit every dispute that I submit with him they do not remove nor do they verify with proper documents.My bankruptcy was removed by XXXX XXXX and XXXX but Experian refuses to remove it from my report proof will be uploaded in a document below.

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 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CB1, Inc.
State: MT

Complaint narrative:
I have made payments to Cb1 on my account for a total of {$340.00}. I asked for an accounting of my payments and they sent me a statement saying I have only paid {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: CA

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX I had leased a vehicle from XXXX. My leasing company was XXXX financial. I had a 36 month lease term, with automatically deducted bill pay. When my payments were concluded, I received an email stating that all payments were received, and I had completed my final payment in the series. XXXX reported me late during the months of XXXX and XXXX XX/XX/XXXX, however I did not have payments due for those months. Throughout the month of XXXX, I called on three separate occasions to verify if I owed any additional payment, and to clarify that I could simply drop the vehicle at the dealership. I was told that I was current on payments, and confirmed to drop of the vehicle. 

The credit reporting error came to my attention on XX/XX/XXXX I called XXXX, spoke to XXXX and her supervisor XXXX, employee # XXXX on XX/XX/XXXX. I was told that yes, in fact this was an error, as no payment was due at this time, and they would be removing the marks from my credit. 

I disputed with all 3 credit bureaus for the late payments reported in XXXX and XX/XX/XXXX. XXXX removed both marks in XX/XX/XXXX. 

My credit report on XX/XX/XXXX showed that Transunion removed XXXX but kept XXXX, XXXX removed XXXX but kept XXXX. When I checked my dispute status with Transunion, it shows n/a for both completed and results. 

Additionally, my XXXX page shows the wrong Fico score for the other three bureaus, which seems to account for the XXXX payment being removed from all 3. 

I would greatly appreciate your assistance to encourage XXXX   and Transunion to update their reports.

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 2019-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a Veteran, my income is {$2000.00} a month. I have XXXX children, rent, bills etc. Sallie Mae is not allowing me to lower monthly payments or even delay payments based on my income. 

I believe Sallie Mae is systematically and illegally setting me up for failure in repayment - they are giving me the run around, putting obstacles in the way to prevent repayment and has failed to act in my complaint - in an effort to make me pay much more than what my loan really is. 

I am facing unemployment or other financial hardship, and applied for a XXXX  - XXXX   XXXX XXXX and an alternative repayment plan for modification of loan terms. No income-driven repayment plan was provided to make my student loans more affordable. I bring in {$2000.00} a month, I am a single mother of XXXX children, my rent is {$1500.00} - I am struggling right now. 

Sallie Mae , Inc. has not gone through every stage of repayment for both private and federal loans and are making my student loans more difficult and costly for me. No notices are sent to me and I have accrued interest to my principal balance, lost protections, - there is no loan forgiveness. Sallie Mae , Inc. has harmed my credit and I am a XXXX borrower - an XXXX veteran, whose XXXX is connected to my military service yet have not been given loan forgiveness under the federal XXXX and XXXX XXXX discharge program. Sallie Mae , Inc. said they would remove all adverse information about the defaulted loan from my credit report and I believe Sallie Mae , Inc. is in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act and I have been harmed due to Sallie Mae , Inc. 's illegal practices.

Company response to consumer: Closed with explanation