vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This complaint is in reference to a paid collection. In XX/XX/XXXX a collection for the amount of {$110.00} was placed on my credit report by ALDOUS, however I was not aware of this. As soon as I became aware of this the debt was paid in XX/XX/XXXX. I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was unfortunately unable to do so. 

The account is still listed in collection. As you know, an account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). 

Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 

Based on the information provided above, this debt is no longer in collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

I am kindly requesting the collection consider removing this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
I submitted a dispute yesterday at XXXX PST on the collection agencies website, got a call today 3 times from a bill collector who was harrassing me and said he had no data on his side showing that I disputed the validity of this medical bill ( this should have been paid by my PPO United Healthcare in subrogation ). The collector 's name was XXXX and his extension is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: NC

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch
State: VA

Complaint narrative:
On or about XXXX or XX/XX/XXXX I rented a musical instrument for my daughter at local music store called XXXX XXXX XXXX. I returned the instrument in XX/XX/XXXX. I have the return receipt. At the end of XX/XX/XXXX I discovered that a collection agency had placed a collection account on my credit for about {$1700.00}, the original creditor is listed as XXXX XXXX XXXX 

I contacted XXXX XXXX XXXX and they acknowledged my receipt for returning the instrument but state there is nothing they can do to help me and that I needed to contact the collection agency. They provided the name of the agency as XXXX and provided a toll free number. I had to search the internet to locate the company. 

My complaint is that XXXX XXXX XXXX has the instrument and did not credit my account for the return of the instrument and provided incorrect information to a collection agency. XXXX XXXX XXXX has the instrument and yet they have apparently reported to the collection agency that I owe for the cost of the instrument. Secondly I was never contacted by the collection agency and did not have the opportunity to dispute this debt. Errant information has been placed on my credit profile causing my credit score to drop precipitously causing me harm. 

Fair debt collections practices were not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 at approximatelyXXXX XXXX I was informed by Wells Fargo records department that a delinquent late payment account that was previously in their records, no longer exist in their system however they are still reporting this inaccurate information as accurate on my credit report. 

Even though Wells Fargo, creditor, agrees that the information is incorrect and does not exist in their system and should not be on my credit report which was brought to their attention on the above date, they are refusing to initiate and take responsibility to contact the 3 major credit bureaus to remove this erroneous information off of my credit report stating that I would need to 1st dispute it with them. 

Insulting as they may sound why would I need to dispute this account with the creditor Wells Fargo when they have admitted on a recorded line on 2 separate occasions that this account does not exist in their system, by law if the creditor agrees that this information does not exist and/or is incorrect it is their responsibility to contact all 3 credit bureaus to have this information removed immediately which up to this point they have failed to do so.

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 2020-02-05 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: AL

Complaint narrative:
A dispute was open and notified that fraudulent account was reflecting on credit report and stemmed from identity theft. I notified XXXX  and they stated that they were going to do an investigation. I received notice that an investigation had been completed and that said account had been removed/deleted but the account was placed back on my credit file by XXXX  stating that they received information from the creditor who told them to put it back on credit file. They advised me that they had not done an investigation and just blocked account per FCRA but the paperwork that they sent me stated a investigation had been completed. I requested the information that was received and they denied me of this information. They are now reporting information that is fraudulent and did not complete an investigation as they said they had done which is unethical and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Company is Synchrony Bank. Merchant is XXXX XXXX XXXX. Company did not fully arbitrate my dispute with Merchant. Company made super fast decision in Merchants favor. Dispute involves my cat and approximately {$900.00} in Veterinary charges for tests not done, a wrong diagnosis and wrong treatment from Merchant. Merchant is a theif! Read attached XXXX Reviews from other customers who got ripped off by this Merchant. Company is not fair and obviously arbitrary in Merchants favor because Company gets a lot of business from Merchant.

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 2020-02-05 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: Premier Student Loan Center
State: MS

Complaint narrative:
I have been paying Premier Student Loans {$30.00} a month to " pay '' XXXX XXXX on my student loan. They were supposed to take care of my payment and all of the paperwork to get me recertified for the Income Based Saving Plan when the time came. Also the Public Service Loan Plan. They were supposed to be paying towards my loan. I did not know that they were not putting the money towards anything on the loan. I have tried to contact them but they are being sued and their phones are turned off. They have a message that now runs saying to get on a website and contact Dept. of Ed. because they are being sued.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-05 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: GA

Complaint narrative:
My complaint is with both XXXX and Navient. I dropped the classes at XXXX and never completed them which I was advised that I would not be charged. I called them many many times regarding this and was advised it would be removed. Then later told they were not dropped in time. Then Navient kept sending me information to put me in forbearance because I was having trouble paying for years. I now have thousands in debt and fees for classes I never took. What was originally around {$4000.00} is now over {$7000.00}. I have went thru XXXX, Navient, the XXXX  and reported this to the credit bureau but received no help. Please someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
Company filed recently several claims on my credit report. Each time they said I owed {$500.00}. 

I have never been contacted by this company. I have never received any documentation from this company. And they just updated an additional amt of {$500.00} on my credit report like it was a different debt then what they already posted. 

This seems very fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Americor Funding, LLC
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau, I was sent mailers from Americor about personal loans and a personal loan with a 0 % APR for 12 months. I set up an appoint to talk to a representative from Americor and was unfortunately assigned to XXXX XXXX, whom in my opinion should be loan originating any type of loans due to his deceptive tactics of relaying any type of information to consumers, who have applied for personal loans through Americor. 

XXXX XXXX preformed a soft pull on my credit report on XX/XX/2020, which he stated would determine the out of my loan process and would call me back within 45 minutes to give me a complete analysis of my loan approval. XXXX did not call on that day, instead I was bombarded with emails from XXXX about life changing loans that have helped people. 

XXXX sent over a screen shot copy of my analysis loan report on XX/XX/2020, in which there was no coherent or precise information on APRs or Loan Terms, instead XXXX XXXX prompted I call him so he could set me up on my loan. 

I did not receive a Good Faith Estimate for the loan so I could look over the APRs or Loan Terms to determine if this loan, would benefit me before I even agreed to the loan. Instead XXXX XXXX ignored my repeated requests for the Good Faith Estimate that is required by law to consumers. 

When I informed XXXX XXXX of these laws, I received a call from his Supervisor XXXX, who stated that he was informed about a loan offer that was made to me, and apparently I never got the APRs or Terms that would let me review the loan. 

I emailed XXXX XXXX about XXXX contacting me. XXXX proceeds to state in the email that he apologized for not calling me in regards to the loan approval I was offered but his Manager will be taking over? 

Americor has wasted my time, disregarded my request for loan APR and Terms, didnt provide a Good Faith Estimate and further more now have my personal information in their system, which could be prone to cyber hacking. 
Upon further research of Americor they have a habit of bait and switch loans, over promising to consumers and just wasting consumers with deceptive tactics with personal loans. 

Being in the financial industry, I know what they did is wrong and it irks me that they run a business like this, at the consumers ignorance of not knowing the laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
XX/XX/2020 I received a notification from XXXX XXXX claiming that I XXXX {$190.00} but I don't owe anything. XXXX is the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Hi, My name is XXXX XXXX. I opened a Chase Freedom Unlimited Credit card recently. Before opening this card, I have an XXXX XXXX XXXX credit card. 

Before opening the Chase credit card, my credit score was XXXX ( by XXXX  ). Somehow, after opening the Chase credit card, my credit score dropped to XXXX. I was never late on a payment and never checked on my credit score. 

I have no idea why my credit score dropped so much. It seems absurd. 

Please email me at XXXX if you need more information. Thank you so much for your time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: CA

Complaint narrative:
I've recently checked my credit report from Experian and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. I am a victim of identity theft, and I did not authorize anyone to open accounts under my name. I am requesting to investigate and remove the fraudulent accounts from my credit report as soon as possible.

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 2020-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I attempted to make a purchase for $ XXXX at XXXX XXXX to which I was a card holder. Hence the word WAS. My XXXX XXXX account was open with a XXXX balance. When I got to the register to pay for my purchase with my {$100.00} open limit to buy to my knowledge, I was declined. Store associate ran my card three times. Each time it came back as declined. I was completed EMBARRASSED AND ANNOYED that my card kept declining because I knew I owed {$0.00}. 

I called customer service after using my normal bank card to make my purchase. The customer service representative said that : 1.In XX/XX/XXXX my credit bureau report was pulled and ONE of my accounts had changed ; therefore, XXXX XXXX *XXXX  XXXX  ) closed my account. She would not disclose which account it was. 

2. I asked, " did I owe XXXX XXXX ( XXXX XXXX  ) any money? '' I was told NO. My account had a XXXX balance. According to the customer service computer, I had a XXXX balance and an open amount of {$100.00} for purchase. 

3. I asked, " who gave XXXX XXXX  the right to just on a whim, run my credit report? '' She replied, we can do that! '' I told her XXXX XXXX ( XXXX XXXX  ) had NO right to run my credit report. It has caused my credit score to go down further, especially since I did not owe them any money. Nor since my other account that belongs to XXXX XXXX  was not past due either. 

This is the second time that XXXX XXXX ( XXXX XXXX  ) has done this to me and I am tired of it! It is an abuse of my personal information, and these actions will not help me in improving my credit score, if companies like this have the ability and the gaul to just run my credit when they feel like it. I was not notified that my credit report had been run, nor given a professional reason as to why this has occurred. 

I have returned the items back to XXXX XXXX and there were quite a few people returning their items this evening also. We can not allow companies to treat consumers such as myself like trash. 
XXXX XXXX  is showing unfair credit practices against consumers and they should not be allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: Lending Club Corp
State: TX

Complaint narrative:
Lending Club reported negative to my credit report in XXXX of XXXX when my account was settled and paid on XX/XX/XXXX. This is inaccurate and is currently lowering my credit score from being less than 60 days old and blocking me from refinancing my home. They were paid over a year and half ago. They should not continue to report to my credit after settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I've recently checked my credit report from XXXX   and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. I am a victim of identity theft, and I did not authorize anyone to open accounts under my name. I am requesting to investigate and remove the fraudulent accounts from my credit report as soon as possible.

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 2020-02-06 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: NY

Complaint narrative:
For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to TransUnion, XXXX, and XXXX to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.

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 2020-02-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TFC Credit Corporation of California
State: CA

Complaint narrative:
After recent fraud on my credit report I have looked into accounts deemed in accurate. The debt collection agency TFC has been unable to verify the account is mine. I am Veteran and went to XXXX XXXX, utilizing my VA benefits. I would like proof of the agreement signed accepting the private loan because I never signed for a loan nor was that given to me as an option. Please provide the contract accepting the loan or documentation I had agreed to be responsible for the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: VA

Complaint narrative:
I already reached out to Experian and to XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my 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 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I had set up an automatic Payment option for every third  friday on each month to pay off my debt and for two of the payments, they went smoothly. However the last two payments got declined ( {$100.00} on XX/XX/XXXX ) and ( Final payment of {$79.00} on XX/XX/XXXX ) because the portfolio recovery company changed the time to charge the account from XXXX XXXX  to XXXX XXXX  causing the payments to be declined.. i had previously settled for a lower amount and now i have been charged {$40.00} more for a new settlement. So i now have to pay a payment of {$200.00} to close out the collection

Company response to consumer: Closed with explanation