vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX was stolen over the holidays. I kept in touch with Kia Motor Finance throughout the entire ordeal to inform them that there would be a balancing remaining after the insurance and GAP mailed payments. The remaining balance was over {$13000.00} and I requested in writing a payment plan. I was given over the telephone a payment option of {$2100.00} per month for 6 months. I requested numerous times to speak to a supervisor so that I could make other reasonable payment arrangements so that my credit would not be damaged. Within a period of time, my account was charged off and reported negatively on my credit. As of XX/XX/XXXX, I initiated arbitration with Kia Motor Finance and XXXX XXXX. I was told that XXXX XXXX was collecting for Kia Motor Finance and the debt was not sold. XX/XX/XXXX, Kia Motor Finance did not answer to arbitration and XXXX XXXX sold the debt to XXXX XXXX XXXX. I was again informed that Kia did not sell the debt. XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX inquiring about arbitration. I was informed by XXXX XXXX that his law firm was attempting to collect and he would ask his employer ( Kia Motors ) to delete the trade line from my credit report if I could pay at least half of the balance and make payments. What I was unaware of at the time, was that XXXX was also hired to collect on the balance. I decided to settle with XXXX on XX/XX/XXXX. I have attempted to make contact with Kia Motors Fiance to request that the trade line be deleted from my credit reports as I have settled and paid in full. I have already suffered from the affects of the negative reporting by Kia Motors Fiance and I have settled for the amount that Kia Motors authorized XXXX to offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
RE XXXX ACCOUNT NO : XXXX XXXX  I had XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. For one month charged {$130.00} including deposit. 
I Paid as follows : XX/XX/XXXX {$50.00} DEPOSIT XXXX/XXXX {$70.00} XX/XX/XXXX {$10.00} TOTAL {$130.00} discounted {$5.00} Additionally {$50.00} at the closure of my account. 

I switched to prepay for and on XXXX XXXX I ported the phone over to but was told there was a balance of {$50.00} which I paid IN THE STORE and closed account.. I never received a bill and was never able to access bills on line. 

A INCORRECT INFORMATION -- COLLECTION ACCOUNT WAS REPORTED ON MY CREDIT IN THE AMOUNT OF {$130.00} WHICH HAS BEEN LOWERED TO {$60.00} BUT SHOULD BE XXXX. 
XXXX has produced 1 bill as proof of the account. 30 DAYS. NO PAYMENTS ARE SHOWN ON THAT BILL. 
-- I HAVE PROVIDED PROOF OF PAYMENT OF THAT BILL 3 TIMES. 
EQUIFAX, XXXX AND XXXX ARE IN VIOLATION OF FCRA THEY HAVE NOT VERIFIED THE ACCURACY OF THE INFORMATION. INVESTIGATING MY PROOF OF RELEVANT PAYMENTS AND BANK STATEMENTS WOULD SHOW PAYMENTS TO XXXX XXXX. XXXX HAS NOT GIVEN ANY FURTHER DOCUMENTS SUPPORTING THEIR CLAIM. OR SHOWING WHERE THESE PAYMENTS WERE ALLOCATED. 
XXXX has no further documentation to support their claim. If they did not allocate to my post pay account they made a mistake and need to reallocate the payments to the correct account. I believe all relevant documents ( as required by FCRA would include an invoice or print out of all charges and payments XXXX has in its file. I believe they do not have these payments posted to the correct account. If they dispute these payments, which I am proving with bank statements, then I need to see all relevant documentation in their possession. This would include proof of payment allocations and charges XX/XX/XXXX through XX/XX/XXXX which is completely reasonable and should be accessible. If not, the claim is not verified and I demand it be corrected to reflect a XXXX  balance and taken off my credit report immediately. The credit agencies have not verified the information. I have requested this be done 3 times now. 

This is either double billing or my payments were posted and allocated to another account and needs to be found. I have never received more than 1 bill for the period of XX/XX/XXXX-XX/XX/XXXX and payments for that bill are attached. 

If this affects my being hired I will file a lawsuit. remove the negative credit reporting immediately. 
XXXX XXXX Enclosed are : bill received from XXXX. 
proof of payments ( bank statements ) credit report showing negative reporting to be taken off. 
collection companies correspondence and demand for itemized statement and payments paid. - credit company 's response and refusal to provide requested verification documents. 
emails from XXXX including wrong acct number dated XX/XX/XXXX NOT COMPLIANT WITH FTC or FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i have a capital one card were i pay XXXX monthly and i had XXXX XX/XX/2018 which is causing me to have complications afterwards during my healing process. please forgive me due to this set back that is beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A company by the name of Resurgent Capital Services keeps harassing me about a credit card payment due to XXXX XXXX that I never owed. Ive sent countless messages And proof showing that I paid this account in full & never used the card again ; I cut up the card. I explained to XXXX XXXX this & they told me that when I was paying the full balance of {$750.00} that I didnt have to pay anything else ; this was XX/XX/2017. After a year or so, I then started to get harassing letters and calls from a debt collector ( Resurgent Capital ) saying I owed XXXX XXXX {$630.00}. I tried disputing this numerous times for over 2yrs with Resurgent, yet they are persistent in trying to force me to pay a balance that I do not owe. Ive even disputed this with XXXX XXXX since they lied to me and sent this fraudulent bill to resurgent so they could pressure me into paying something I never owed. While its been a problem, due to this being on my credit report, now its a huge problem that I want to go away. In which Im willing to file anything to prove my innocence of this being a fraudulent bill. Ive made a complaint with bbb.org, Im making a complaint with you all, & im filing a police report on resurgent & XXXX XXXX for harassment, and fraudulent charges. If the problem persists, then Im just going to file a lawsuit against both parties because I refuse to fight this case to prove my innocence alone. These people are savages and they need to be stopped or put out of business. Im tired of being a victim to these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management is attempting to collect a debt on behalf of XXXX XXXX for {$870.00}. On XX/XX/2019 the alleged debt was sold to MCM. My first attempt, I sent a validation notice delivered on XX/XX/2019 certified with return receipt. My notice was ignored and MCM sent a Pre-Legal Notification dated XX/XX/2019. My second attempt I sent a Fault, Notice of Non-response, Non- Negotiable with an Opportunity to Cure delivered XX/XX/2019. My Notice was ignored and MCM sent another Pre-Legal Notification dated XX/XX/2019. My third attempt I sent a XXXXease and Desist notice on XX/XX/2019. 
Midland Credit Management is NOW harassing ( name )! 
Midland Credit Management are debt collectors and has failed several times to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. Midland Credit Management did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm. 
Midland Credit Management claims to be the current owner ( HOLDER IN DUE COURSE ) yet, Midland Credit Management has failed several times ( certified mail numbers provided ) to provide ( name ) with THE ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I was in school XX/XX/XXXX for 2-3months. I withdrew XX/XX/XXXX due to lifes inconvenience. Never received any disbursements from the 2 loans that appears to be on my 1st enrollment of school. I started back in XX/XX/XXXX. Through the 2yr time  period. Sallie Mae/ Navient has made numerous bad credit reports such as delinquent against my credit. Ive always had to lean towards forbearance there was no other option. My interest rate continued to go up ridiculously. I was also told when in forbearance no bad credit reports would be made against my credit. When I went back to finish school XX/XX/XXXX. Had more loans during my 2nd enrollment. Finished XX/XX/XXXX. Couldnt find a job right away. Sallie Mae/Navient continued to perform harassment. Contacting & sending my billing information to friends and family for me to pay. An unprofessional act & complete embarrassment to me. I was in forbearance again as my interest rate continued to go up again & again. Now Im dealing with paying them an awful amount of money that has been adding on my loan account. Due to forbearance, interest rates continued to climb up every time. I feel as though I am a victim of the scam & allegations Navient is being sued upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BANK OF AMERICA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: Rent Recovery Solutions
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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:
I feel Navient does not make it easy enough if you want to pay off your loan early. Every other lender I deal with whether a car, credit card or personal has easy to find links on you account page for a payoff quote. Navient makes it so difficult it is frustrating ... there should be a payment option for payoff, not just " over-payment '' that does me no good. Stop trying to discourage from paying off early, I have already been paying on the loan for 15 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Hello I'm submit a complaint with Consumer Financial Protection Bureau about an account that's on my credit report with the credit bureau XXXX. The accounts named, M & M CREDIT ( XXXX XXXX XXXX XXXX XXXX ) presented since XX/XX/2015. I have disputed this account once before about the dates on this account being incorrect, also the balance and/or past due amount are/is incorrect. and credit score amount due {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: GA

Complaint narrative:
I've sent two disputes letters asking for Experian to verify the accounts listed on the letter. and also to provide documentation showing how they verified the information they are reporting is correct. they have failed twice to provide the documentation, they recently sent a letter after my second request stating that i have to send in documentation supporting my claims. due to the law they have to provide documentation showing how they verified this information is accurate. i've sent in a report from XXXX XXXX showing that a bankruptcy reporting is not on the report. there is no bankruptcy on my file. they have yet to provide the documentation to support there claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I open a credit card account with Best Buy, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, Best But ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XX/XX/XXXX. I ended up paying before it went to collections.

The problem is this account has been paid and closed since XX/XX/XXXX and yet, Best Buy CBNA is still reporting MONTHLY on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XX/XX/XXXX when they were paid! 

Im not sure why Best Buy CBNA is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a credit freeze on my account in Equifax. I am going through the process of refinancing my mortgage. I need to unfreeze the account so the bank can get a credit rating. I can't get equifax to lift the freeze because they say i can't verify who I am. I have sent the documents needed as they have asked me to fax to them and I still can't get the credit freeze lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio
State: MI

Complaint narrative:
My complaint is with A company called VANCE AND HUFFMAN LLC ( XXXX XXXX XXXX ) presented on credit score since XX/XX/2018. Also I have disputed this account once for Fraud. The amount due is {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a hard inquiry for a credit card company that I never applied with. I have never had nor do I want a credit card. How do I get this off my 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 2019-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
No contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: FL

Complaint narrative:
There are numerous accounts and inquiries that are on my credit that aren't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX But ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.

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