vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I had to leave my apartment 2 weeks before the lease expired. I spoke with the manager XXXX XXXX who asked to see the XXXX and the XXXX communication. When that was provided. I went to the office and she stated that long as I was out by XX/XX/2019 there would be no charges against me and that my daughter would need to drop off the keys and amenity band. We also did that. She even suggested how I should stage the apartment to get out. Now a year later the debt is in my credit and when you call the complex the management company is no longer and they send you on a wild goose chase. I dont owe any money to this apartment as they kept many items of mine including a brand new washer and dryer and queen size bed. My rent was only {$1000.00}. How they are trying to collect {$3600.00} I have no idea.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
Experian has this XXXX XXXX auto  loan reporting on my file however the account is inaccurate and i have documentation to prove it and XXXX XXXX is in violation of the fdcpa with predatory lending practices of the acct XXXX XXXX XXXX  : XXXX so in the attached sheet from a XXXX XXXX XXXX  statement it shows the terms of this loan is 75 months ... then look at the experian report they reporting that the loan term is 77 months, i obtain a print out from the dealer it showed the term was 72 months, which is it? What we know is that this data is inaccurate Another thing no fault of experian is XXXX XXXX   reporting saying the apr is 5.89 % the dealer has it at 6.89 % this account is in fdcpa violation its just not reportable See attached sheets, experian can not correct this XXXX XXXX can not correct it, between the dealer, XXXX XXXX XXXX  and experian they have three different information on this loan suggest shady tactics and documentation was falsified Therefore this inaccurate data experian is now aware of it, its on paper i need the data remove its misleading See attachment Will be mailed to XXXX CFPB AND ATTY GENERAL OFFICE Experian you are herby notified that this account does not qualify to be on my report, you cant say later you did not know because this account will take on a different complaint process if its not removed

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 2020-06-03 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I requested NewRez to update my credit report with the payments on my mortgage. They sent me a letter stating that it will start reporting in the Month of XX/XX/2020. It is currently XX/XX/2020. They still have not reported my payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
Tendered payment to satisfy debt and they continue to damage credit with false information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Two dept collection agencies ; XXXX  XXXX XXXX, Transworld Systems Inc., have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency XXXX   XXXX XXXX reported a collection in the amount of {$1400.00} and the agency Transworld Systems reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have disputed information on my credit report being reported by Midland Credit Management for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

XXXX XXXX and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

Midland Credit Management {$760.00} Midland Credit Management {$1200.00} Midland Credit Management {$450.00} Midland Credit Management {$450.00} Midland Credit Management has continued to report this invalidated information as well. Midland has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
I called American credit acceptance a numerous number of times since the beginning of covid-19. I have been out of a job since XX/XX/XXXX. They told me that if I fell behind on my payment that it wouldnt effect me. Because, I was waiting on unemployment.

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 2020-06-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I called American credit acceptance a numerous number of times since the beginning of covid-19. I have been out of a job since XX/XX/XXXX. They told me that if I fell behind on my payment that it wouldnt effect me. Because, I was waiting on unemployment.

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 2020-06-03 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: TX

Complaint narrative:
I have disputed information on my credit report being reported by XXXX XXXX XXXX for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

XXXX, Transunion and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX has continued to report this invalidated information as well. XXXX has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their 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 2020-06-03 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: TX

Complaint narrative:
I have disputed information on my credit report being reported by XXXX XXXX XXXX for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

Experian, XXXX  and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX has continued to report this invalidated information as well. XXXX has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their 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 2020-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XX/XX/2018 I went to XXXX I was XXXX for 10 months. During that time my loans went into default. I had filed all the recommended paperwork with the student loan servicer as far as, Being able to keep my loan repayments in good standing during my time away. After my graduation from the program I came to find out that my loans have been in put into default. When I had filed my taxes with the IRS I had an offset for my taxes. Currently I am still in debt {$700.00}. Navient refuses to be understanding to my situation considering every detail they take no blame or a part in pose that they do not have any documentation that I filed in XXXX of 2018 stating that I had filed for a forbearance. Ive lost Thousands of dollars because of their mistake as well as taking a hit on my credit report. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA is in blatant violation of the FDCPA Section 809. 
I mailed 2 validation requests via certified mail article # XXXX XXXX XXXX XXXX and the other article # XXXX XXXX XXXX XXXX XXXX. 

EOS CCA ignored my requests and failed to provide full and proper validation that FDCPA Section 809 provides. EOS CCA IS IN CLEAR VIOLATION OF THE FDCPA FOR CONTINUED COLLECTION ACTIVITY WHICH IS A VERY SERIOUS VIOLATION UNDER THE FDCPA. 

This erroneous alledged debt does not belong to me!! I want this debt removed from my credit reports IMMEDIATELY. 

NO VALIDATION WAS PROVIDED WITHIN THE 30 DAY TIMEFRAME UNDER THE FDCPA. The FDCPA was enacted by congress to protect consumers. 
Everyday I writhe in pain from a XXXX XXXX, and being a senior citizen does not make it any easier. 

This is WRONG! EOS CCA has committed a litany of violations, including not marking the account in dispute on my credit report ( s ). 

I plead with the Consumer Financial Bureau to help me to have this information removed by investigating this firm and see if any other ill senior citizens are - having their credit reports and overall financial lives damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2020 To Whom It May Concern I filed a dispute with XXXX XXXX requesting a full refund due to the pandemic COVID-19 Prior to having the procedure done you must have a 30-day clearance, no doctor at that time would see anyone. My XXXX date was XX/XX/2020 Hospitals cancel XXXX XXXX per federal guidance Also, the country was on locked down I request a refund XXXX the XXXX 2020 I was told that someone will contact me. A week later I received an email stating that I would not receive the full refund and that they were keeping my deposit. XXXX {$800.00} ) I advise the representative that I never paid a deposit I paid the balance {$7500.00}. 
I requested that my bank Navy Federal dispute the charge, my bank sends me an email on the XXXX of XX/XX/2020 that XXXX advise them that they refund the full {$7500.00} which is not correct. Which lets me know that my bank fail to do an true investigation on claim when you can see a deposit on XX/XX/2020 for {$6700.00} not {$7500.00}. 
I am requesting the difference of my {$800.00} to be return to my Navy Federal Credit Union account and that some one re- investigate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on XXXX of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate ( s ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance $ XXXX {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.

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 2020-06-03 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on one of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate ( s ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance XXXX XXXX  {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: VA

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on XXXX of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate XXXX XXXX ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance $ XXXX {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.

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 2020-06-03 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I noticed a charge of 13000 plus and i already tried to reach out to cfpb and to XXXX XXXX with synchony bank. Called her several times. ( without a call back ) My credit went plummeting! CFPB what a joke! You closed case after respondent said good

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