vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: IN

Complaint narrative:
I received a letter from XXXX XXXX XXXX  the end of XX/XX/XXXX about a check cashed at a XXXX in XXXX TX on XX/XX/XXXX. I wrote back and sent the first letter Ceritfied Return receipt mail, I have received the proof they got the letter on XX/XX/XXXX and they sent back a collection letter with a copy of a receipt from the XXXX and some forms I refuse to fill out as they have no right to that information and have not shown proof this is my debt and there is no way in XXXX or Earth that it could be. The signature was a squiggle and unreadable, there was nothing else that showed a name, address, or any identifiable information on the copy they sent and no proof that it could have been mine. I also was in Indiana on that very same date at work, I do not even have a checking account, and I have witnesses that can prove I was nowhere near Texas. I sent a reply and I again asked them to stop all contact, as this was definitely not mine and told them why. But they sent more collection letters, so I sent two more dispute and stop letters to them XX/XX/XXXX telling them why it couldn't be mine again. I have received one of the two return receipts back on XX/XX/XXXX signed as received on XX/XX/XXXX. I have now received another letter on XX/XX/XXXX stating they will not investigate or acknowledge it is disputed unless I send them my banking information and file an Identity theft form with them, that asks for a lot of personally identifying information. I will not send any of this, as they have not shown me how they came to think this is my debt, they have not shown how they verified this, and I do not have banking information for a checking account to send them anyway. TRS is ignoring the cease and desist dispute letters, and refusing to send the proof that they have verified this is my debt. I want them stopped and this cleared up and to make sure they don't attach a debt that is not mine to my credit report. I have seen too many complaints on TRS about them misusing the information sent to them also, and I do not want to take that chance, and since they are not following the law I definitely do not trust them.

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 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Card member services call to offer me a lower rate. I have no card with them, and they can not identify me. Starting last year I have asked to be removed. They started using other phone numbers to call from. They have been using XXXX. Any attempt to talk to them they hang up. I have spoken to the women that has this number and she has given no permission for anyone to use her number. She said she was calling her phone company to register a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I reached out to CBNA several times to inform them that I was not receiving the statements to pay on my account and was unaware the account was past due. I have contacted their disputes department and their managers on several occasions only for them to inform me that there was nothing they could do on their end to assist with this situation. 

The reporting of the lates is reflected on my credit reports from XX/XX/XXXX- XX/XX/XXXX they only offered to wave a {$25.00} late fee ; however, I disagreed because it is not my fault that the statements were not being 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 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Collections Services of Athens , Inc. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with Collections Services of Athens , Inc. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Collections Services of Athens , Inc has also called me on XX/XX/XXXX threatening to take legal action, I have filed a complaint with Georgia Attorney General, ... Furthermore, Collections Services of Athens , Inc. is practicing UNJUST ENRICHMENT.

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 2018-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
Every time fed loan and i come to agreement about my loan, they soon send something in the mail stating I did not qualify. They phone calls from random numbers. i barely can purchase food, for me and my son. I'm currently on XXXX different meds, and XXXX different XXXX  and XXXX medicine because of their harassment. Often, I have to double my dosage when XXXX XXXX constantly call me. My credit is shot, I only make enough money to pay rent, light, water.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
This second complaint is a response to the first complaint I filed against Navient. 
The CFPB was quick to close this case without getting a full disclosure from both parties. 
I demand from them on the full securitization process/inquiry current update of the XXXX. 
XXXX XXXX XXXX are Trustee on this account based on the forensic audit report done. 
That why I requested documents regarding this account ( s ) as outline in my first complaint, but Navient never response to my request. No request as proof to CFPB, the credit bureaus nor me the consumer. 
If XXXX XXXX XXXX showed up on a audit report, would it be to that person interest to find out why, how and provide documentations of their claim. 
Navient failed to provide any SEC reports, XXXX # and filings regarding this account as requested. 
Failed to validate debt, disclosure of securitization process of the MPN/PN etc ... to the consumer. 
Those acts construe violation of XXXX. I demand a reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
This is regarding complaint XXXX. The Lender still has not show proof of ownership. The lender is clearly stated as XXXX XXXX XXXX XXXXXXXX A New York Company . This company is not listed in the Division of banking or any New York Data base showing this company existed or has been registed as a lender. I am looking for the transfer papers from XXXX XXXX to another lender that many have purchased this loan. 
Proof not provided in response of complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: NJ

Complaint narrative:
TransUnion state the my XXXX XXXXXXXX XXXX is not 100 % accurate when clearly you can see the inaccurate information place on my credit report, I try disputing multiple times for inaccurate information such as ( name ), my name is not XXXX XXXX, my name is ( XXXX XXXX XXXX ), ( date opened ) incorrect, ( balance ) incorrect because a charge off should be XXXX, ( payment received ) incorrect amount, ( last payment made ) incorrect as per my bank statement, ( payment history ) because the last payment made and the payment history doesnt match. But TransUnion stated that is verified so i ask them for method of verification and they refuse to send me the method of verification they are violating my rights ( FCRA )

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 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NM

Complaint narrative:
Someone from XXXX MD accrued {$3000.00} in my name with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the debt was sent to XXXX XXXX. I received a call from Convergent trying to collect {$3000.00} from me. 
I have never used XXXX XXXX, and I have never even visited Maryland let alone lived there. I have been a victim of Identify Theft. 
I tried to contact XXXX, XXXX, and XXXX XXXX. The debt in still under my name. I have put a security freeze on my account until this issue is resolved..

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 2018-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is suing me in civil court for a loan that I have never been notified as past due, and shows current on my credit report. The Court case number is : XXXX I have never been notified of attempt to collect or that this account was past due, and the account shows current with a XXXX balance on my credit reports. My credit report also shows the last date of payment was XX/XX/XXXX and shows as current/never late through XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing this complaint because after reaching out to capital one to resolve the issue they were not willing to assist. This complaint is in regard to 30 day late payment that is reporting on my credit history for the months of XX/XX/XXXX- XX/XX/XXXX. 

I was making monthly payments as usual through all of those months ; however, they are stating that a payment was returned in XX/XX/XXXX that I was not informed of which is why the history is reflecting the late payments. 

I have had an amazing payment history with them and I was not aware of any payment being returned nor did I receive any notifications from my bank nor Capital One even while I was making payments via their representatives. 

I feel if the payment was returned I could have been informed via mail or even by a phone representative instead of them not letting my know they continued to accept monthly payments as usual and negatively report my accounts to the credit bureaus when the situation could have been handled more professionally. 

I was informed by a manager on their escalations team to dispute the late payments ; however, upon initiating the disputes they continue to state they are accurate even though they informed me they would remove - update my credit file with the credit reporting agencies ; however, they have failed to do so. 

They also have address listed as XXXX XXXX XXXX, XXXX AL XXXX which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, XXXX and Trans Union 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 2018-05-22 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: MN

Complaint narrative:
I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my Experian, XXXX and XXXX XXXX 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 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I got served a Summons from the Attorneys of JOHNSON MARK LLC about a debt that I owed to XXXX XXXX XXXX.

I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of JOHNSON MARK LLC, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while JOHNSON MARK LLC is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.

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 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX my husband, XXXX XXXX deposited a check into my checking account in the amount of {$800.00}. It was drawn against XXXX XXXX. XXXX XXXX said it cleared XX/XX/XXXX and that the funds were available. On XX/XX/XXXX Peoples United Bank in XXXX, XXXX. XXXX put a hold on the check from XX/XX/XXXX thru XX/XX/XXXX. They say they sent a letter to that effect but I did not receive a letter and dont believe they ever sent a letter. I dont think the Post Office lost a letter just going across town. I found out when I went to use my XXXX store card. I was shocked to see that the card was declined. When I checked to see why, I found out that the payment that was regularly scheduled to hit during the time there was a hold on my check, was sent back. XXXX closed my account and my credit score dropped 22 points. I owed XXXX about {$890.00} and the minimum due was {$35.00}. I had paid XXXX payments totaling over {$500.00} that month. I called them and they reinstated my card but my credit report had already undergone the ding. 

My husband talked to XXXX in XXXX XXXX at XXXX XXXX and she stated that the funds were available on XX/XX/XXXX and that XXXX XXXX would not have communicated anything negative about his account. She opened up a complaint against Peoples United Bank. 

Then XXXX XXXX Sent a response that the check drawn again XXXX XXXX did indeed post and clear on XX/XX/XXXX. I will attach the letter. I have tried to reason with XXXX to no avail at the XXXX Branch but their own bank person, who answered the phone at the number provided on the back of the debit card, also stated the funds were available. Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I have wrote the CEO of XXXX XXXX XXXX with an affidavit of fact. The affidavit of Fact he had 21 days and did not get rebut any of the facts and now I'm informing you that this has fallen into default judgement in my honor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: FL

Complaint narrative:
My name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, TRANSUNION and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me. 

I would like them removed because they are fraud and do not belong to me. 
Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.

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 2018-05-22 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:
My name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, XXXX and EQUIFAX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: FL

Complaint narrative:
My name is XXXX XXXX, I am contacting you regarding accounts on my EXPERIAN, XXXX and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.

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