vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/2018 a repossion validation letter was sent certified to NMAC regarding a reposession. 14 days was given for the company to respond and to provide the documents in question. NMAC did not respond at all. Since tracking was attached I know that the letter was received on XX/XX/2018 at XXXX XXXX. Since NMAC failed to respond with the appropriate documentation within the allotted 14 days they are no longer permitted to report any deficiencies related to this account on my credit report ( s ).  Per FDCPA and FRCA regulations. NMAC is now in violation by continuing to report this deficiency with fine starting at {$1000.00}. I fully intend to pursue litigation is NMAC does not remove this erroneous debt from my credit report. All opportunities were given for NMAC to validate this debt. NMAC does not have permission to contact me by phone, e-mail, or US postal mail. All communication is to be through the CFPB. I hope that this can be resolved quickly as I am a litigious individual and will not hesitate to seek damages against NMAC under all available State and Federal statutes and UCC-9 remedies as well as violations from FRCA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: Maury Cobb, Attorney at Law, LLC
State: OR

Complaint narrative:
XXXX account open to use XXXX XXXX car connector. 

Service/device did not work as advertised. I tried calling XXXX directly, but could not make contact due to long wait times. Went into store, and was informed I needed new device. I paid for new device but it never came. 


I refused to pay bill for device and service I did not receive. XXXX sent me to a credit collections service that goes by Maury Cobb Attorney at law. They have been notified I am disputing this with XXXX, but have continued to collect and have negatively reflected this on my credit report. 

XX/XX/18 I called XXXX XXXX to inform them the reporting was inaccurate and I would be contacting the CFPB and BBB if they did not attempt to work with me. I was asked to pay even after making them aware of the dispute/fraud, which is violation of FCRA. When I stated I wanted this removed from my credit, the collector implied it would be if I paid it. This is also a UDAP violation, because paying of the debt does not remove reporting. 

Lastly, overall they have committed TCPA violations through FDCPA. They have repeatedly called my cell phone over the last several months even after being notified I do not want to receive phone calls on my cell phone. 

XXXX / XXXX XXXX XXXX XXXX Last contact XX/XX/18

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
To whom it may concern, The XXXX XXXX AAdvantage card, managed by XXXX, has instituted predatory and unfair policies that have led to a drop in my credit score. I want my credit score fixed. 

In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

The company sneakily instituted a new policy this year of a minimum monthly charge, notifying existing customers only in fine print. I have had this card for several years and rarely use it, and I was not aware that the company had suddenly decided to charge every customer {$2.00} each month. Since I don't use the card, I did not check my bill monthly - assuming, quite logically, that my bill would be {$0.00}. But because of this sneaky monthly charge, I began accruing late fees and more charges without my knowledge, eventually leading the company to report a lower credit score - - despite the fact that I had paid off all the real purchases I made with the card. 

I called several times and spoke to several customer service representatives, all of whom gave me a different explanation for the fees. One of them finally explained that the reason I was accruing late fees despite never using the card was the new monthly charge policy, but this person refused to change my credit report, citing " company policy. '' I'll repeat this, because it bears repeating : In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

Thank you very much.

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 2018-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have tried to work whit Navient on lowering my monthly payments due to my income. Back in XXXX of XXXX they we able to lower it and I had to renew on XXXX of XXXX. I called to renew it and set up for auto draft on XXXX of each month. The payments didnt start till XXXX which i pay XXXX a month. Well it's now XX/XX/XXXX and they are telling me the renewal was denied due to missing documents. At the time of renewal they said i only needed a voice binding nothing else. I have had so many problems with them about them saying theyre missing documents and we cant lower your payments when they werw rquiring XXXX a month and thats one whole paycheck from me now before switching jobs that was what almost both paychecks for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: FL

Complaint narrative:
I am looking at the XXXX that exists in the student loans in this case it is my student loan when I sign this loan with the XXXX XXXX according to the person who did the paperwork told me it was a federal loan and not private which was not so, she made me privately deceive me that she was federal and she also told me that she was going to pay a monthly payment of XXXX dollars a month which at this moment the Navient company is charging me monthly amount of XXXX dollars I have been paying the loan but I have already reached the point that my life has become very expensive in exchange for not working and the little I do is to spend on my home expenses t the babies that I have are XXXX I call the Navient company and I tell them the problem and they do not give the solution I have complied with them all the time and now what they do is raise interest and payments when it should be in reverse now I'm paying more than when I started and I do not know what Please help me solve this problem thanks my number is XXXX and my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: MS

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

There are also a number of inquiries that I did not approve these people to run my credit : 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 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 non-monetary relief
Consumer complaint received 2018-11-09 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: MS

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

There are also a number of inquiries that I did not approve these people to run my credit : 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 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 2018-11-09 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: MS

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

There are also a number of inquiries that I did not approve these people to run my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: LA

Complaint narrative:
On XX/XX/2018, I submitted credit report disputes to all three credit bureaus : XXXX, Equifax, XXXX, which were received on XX/XX/2018through certified mail.

I specifically stated in writing that the accounts listed on my report were NOT VERIFIED accounts by the creditors. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACTS that I signed with said creditors.

I have NOT been sent any information by any of the creditors submitted that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home.

I received letters on XX/XX/2018 from Equifax, and XXXX.

I WAS NOT provided the information I requested, providing PROOF that the accounts belong to me. 
Which STILL leaves the accounts UNVERIFIED. As it pertains to the definition of the word.

In my letter it clearly states my rights under FCRA Section 609 a. The right to request PROOF of all accounts UNVERIFIED.

All I received was the same report, with verbage that stated that the accounts belong to me. This is unethical and illegal to not only keep accounts on my reports, but to continually state that these accounts belong to me WITHOUT PROOF of contract. Along with this, many misspellings of my name, attached to the Reports.

These companies are accepting merely, WORDS with no PROOF from companies they receive money from in order to place these accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX XXXX score as ofXX/XX/2018 is : XXXX Experian score as of XX/XX/2018 is : XXXX  I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good 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 2018-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
We leased a new vehicle from XXXX XXXX  XXXX through american honda finance on XX/XX/XXXX. We turned back in our previous XXXX XXXX for a new one. The dealer advised that the excess mileage fee would be waived if we leased another vehicle. I looked at the account on line and saw a charge in the amount of {$440.00} which was comprised of {$410.00} for excess miles and an additional {$29.00} for the taxes on that mileage fee. We called XXXX on XX/XX/XXXX to discuss and they advised it was due and would not be waived. We advised we have purchased many vehicles through them and also that the dealer advised it would be waived based upon our new lease. We were placed on hold then advised by the rep that we did qualify for a waiver of half the fee due to our new purchase. If so why were we billed for the full amount? I would like the balance of the fee to be waived based upon what we were advised by the dealer as well as our continued relationship with purchasing through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX Equifax score as of XX/XX/XXXX is : XXXX XXXX   score as of XX/XX/2018 is : XXXX I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: LA

Complaint narrative:
On XX/XX/2018, I submitted credit report disputes to all three credit bureaus : XXXX, XXXX, Transunion, which were received on XX/XX/2018through certified mail. 
I specifically stated in writing that the accounts listed on my report were NOT VERIFIED accounts by the creditors. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACTS that I signed with said creditors. 
I have NOT been sent any information by any of the creditors submitted that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home. 

I received letters onXX/XX/2018 from XXXX and Transunion. 
I WAS NOT provided the information I requested, providing PROOF that the accounts belong to me. 
Which STILL leaves the accounts UNVERIFIED. As it pertains to the definition of the word. 
In my letter it clearly states my rights under FCRA Section 609 a. The right to request PROOF of all accounts UNVERIFIED. 
All I received was the same report, with verbage that stated that the accounts belong to me. This is unethical and illegal to not only keep accounts on my reports, but to continually state that these accounts belong to me WITHOUT PROOF of contract. Along with this, many misspellings of my name, attached to the Reports. 
These companies are accepting merely, WORDS with no PROOF from companies they receive money from in order to place these accounts on my credit 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 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: TX

Complaint narrative:
I had previously filed a CFPB complaint on American Education Services of XXXX, PA concerning the incorrect report of past-due or delinquent payments on my daughter 's student loan account with them, for which I am the co-signer. 

The issue in question involved AES 's inappropriate payment application of payments I made from XX/XX/XXXX to XX/XX/XXXX to my daughter 's student loan account when they should have been posted to my co-signer account. At the time I made the payments, I didn't know ( nor was I informed by AES ) that I had a co-signer account number different from my daughter 's number. 

After my first CFPB complaint, I received a letter of dispute findings from the Office of Consumer Advocacy at  Pennsylvania Higher Education Assistance Agency ( PHEAA ) dated XX/XX/XXXX. PHEAA conducts student loan servicing operations through differently named companies, one of which is AES. A copy of this letter fro

m PHEAA has been uploaded. PHEAA, in
their XX/XX/XXXX letter to me, seemed to indicate to me that AES had corrected the application of the payments I had questioned and actually indicated that my account was now in a paid-ahead status until XX/XX/XXXX. PHEAA also noted that AES had submitted updated information to the consumer reporting agencies to which the negative information had previously been reported. That was great news as it was exactly what I hoped to hear. 

Nonetheless, in a different letter dated XX/XX/XXXX, AES informed me that they had researched the relevant account history and documentation of my credit dispute and concluded that the negative information they reported was accurate. This XX/XX/XXXX AES letter totally contradicted the prior XX/XX/XXXX letter from PHEAA. A copy of AES 's XX/XX/XXXX letter has also been uploaded. 

My problem with all this is that I am currently attempting to obtain a mortgage loan on a new house that is under construction. The derogatory remarks made by AES on my credit have lowered my score just enough to put me at a level that increases my quoted interest rate by as much as 50 basis point. Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I received a letter in the mail as a response to my debt validation request. AR Resources, INC did not provide me a HIPAA release form that releases my medical information to them. Therefore providing me with medical records is a violation of my HIPPA rights. I am a litigious individual and I am willing to seek legal remedy to file suit against AR Resources , INC . I am also willing to file a complain with HHS and OCR for the violations of my HIPPA rights. I urge AR Resources, INC to take this serious and to remove this debt from my credit report. AR Resources INC does not have permission to contact me by email, phone, or us mail. All communication is to be done through this cfpb portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are 3 Hard inquires happened with out my consent. Seems, someone got my SSN details and misusing that in past 2 months. I reported this incident into police station in my area and they asked me to work with credit bureaus and banks to resolve this issue. 

I reported all credit bureaus and placed the freeze on my credit report. 

I reached out to XXXX and XXXX XXXX to dispute the hard inquiries. I am working with XXXX XXXX to remove hard inquiry entry. 

Please help me on preventing my SSN details from mis-use and advice banks to implement better security procedure and verification procedure. None of those transaction happened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I had {$6400.00} deducted from my checking account via Pay Pal unauthorised and closed my checking accoun.t I reported fraud to Paypal and have to wait 10 days for a response meanwhile Paypal are waiting for a response from the thief. His email is XXXX I attmpted to close my pal pal account down but they will not allow me, and I do not wish to use Paypal ever again.

Company response to consumer: Closed with monetary relief