vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XX/XX/2007, I attended the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL. It was funded by Sallie Mae, and I was not provided with complete copies of Sallie Maes contract. I only attended one semester, and that school has been salvaged into XXXX XXXX college. It was hit with affect of the housing collapse. Since the transfer to Navient, I now have both old Sallie Mae information and Navient information reporting on my credit file. I made a simple request :  please provide me with a copy of the original instrument of indebtedness in its original form, and after 2 months of waiting, I receive a questionable looking promissory note that has NO SIGNATURES, just a typed Robo-sign. Its not notarized and it also looks to have had white out used on it then re-copied and mailed. They also show no chain of custody paperwork between them and Sallie Mae. There is nothing to verify these figures they are reporting against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX , XXXX. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. XXXX XXXX XXXX , XXXX. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( RISE ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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:
Experian has shown a deletion before dispute of what may be my social security number. They show the last four digits. They also refuse to remove a fraudulent address. In addition, within the last year they have fictious information saying a business named XXXX XXXX pertains to address of mine which is fraudulent.

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 2018-07-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have 80 inquiries on my credit report that I did not authorize I have contacted transunion and I also contact the creditors and the inquiries are are still remaining .... Im referring to all the mortgage inquiries ... I was not in the market for a mortgage loan at the time ...

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 2018-07-04 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I spoke with XXXX in collections for XXXX XXXX account. I explained that I have been going through financial difficulties and wanted to start paying {$25.00} dollar installments. She told me that it was not enough and began to get belligerent. She said needed pay {$100.00}. Then in a fast conman way asked for my debit card number or checking information. When I would not give the information she said she would note the account refusal to pay. I said I am not refusing to pay you refused the amount I am willing to pay. She was so rude, I asked for a supervisor. She placed me on hold and XXXX XXXX answered. I described the conversation and asked if that is how they train their representatives. He hung up on me. I called back and couldnt get through. The call was recorded between XX/XX/2018. The call began at XXXX XXXX and lasted approximately 7 minutes total. Please request a copy of the recorded call which will corroborate the fact she refused my payment. The call was recorded ; we were on a recorded call- that is how XXXX started the conversation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX falsely claims that I have not paid a charge of {$52.00} ( for XXXX XXXX XXXX ) and now demands that I pay it. I paid the {$52.00} at issue back in XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX ( attached ) whereby XXXX threatened to report me to four credit reporting agencies if the {$52.00} is not paid. Moreover, I have always paid my credit card statements in full, so XXXX demand makes no sense. 

I have spoken to numerous people at XXXX XXXX XXXX trying to resolve this issue without any success resulting in wasted time and emotional stress. Even though XXXX XXXX XXXX acknowledged on XX/XX/XXXX that the {$52.00} was paid in XX/XX/XXXX, it still stands by its XX/XX/XXXX letter. On XX/XX/XXXX, an XXXX representative and her supervisor vehemently insisted that the XX/XX/XXXX letter had nothing to with the {$52.00}, but just a letter they routinely send out to remind people to pay on their balances. However, a simple read of the letter contradicts XXXX XXXX XXXX claim. I am very concerned that XXXX XXXX XXXX false claim will severally affect my credit rating, especially as a senior citizen. 

Attached is the XX/XX/XXXX statement clearly stating the {$52.00} had been pay after it had been reinstated in the XX/XX/XXXX statement ( attached ) with a total balance due of {$820.00}. The {$820.00} was paid in full in XX/XX/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 2018-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I obtained my experiian credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information Experian has failed to provide me the the requested information indicating a Fair Credit Reporting Act Violation. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately my enquirers to the US Bankruptcy Court confirmed Experian credit bureau never validated or verified these public records 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 2018-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Acceptance Corp
State: CA

Complaint narrative:
That they remove this account. Every month adding more onto the balance since XX/XX/XXXX. In XX/XX/XXXX they served me with papers to sue me at my home address at XXXXXXXX XXXX It was not even a real summons. Fake paper work.I tried to work with them .They insist on the full amount. {$3500.00} the amount changes every month to a higher amount. They have my account like it is in collection set up like im making payments. This is a charged off account In XX/XX/XXXX or the amount of {$2700.00}. 

I have disputed it with XXXX File # XXXX Merchant acceptence is the original company for the XXXX XXXX. Now they say they dont sale their debt. They are acting like their own collection agency. But it is the same company. 
They have 2 different address XXXX XXXX XXXX XXXX XXXX WA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: NC

Complaint narrative:
I tried to contact Equifax to get this account removed off my credit report ... this is a fraudulent account that my ex wife XXXX XXXX put in my name I will like for this account to be removed off my credit report.. this account was paid in full and need to be remove from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HONOR FINANCE, LLC
State: NV

Complaint narrative:
Recently opened a monitoring service and seen that there is this Vehicle loan for {$5000.00} from 2013.I have no association with this loan and have tried to dispute and work this fraudulent loan out with the creditor. The creditor has done nothing to remove this fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
XX/XX/2018. 
XXXX XXXX XXXX XXXX ( Remex ) XXXX XXXX XXXX XXXX, NJ XXXX Telephone : ( XXXX ) XXXX Received numerus calls from this agency. Also just received a letter for collections for a medical doctor they represent. XXXX XXXX XXXX XXXX. Remex stated in the letter that I owed money for an outstanding bill. In their letter it states that they would like to resolve this matter prior to reporting derogatory information to the credit bureau. Called Remex about the claim as the balance doesn't correspond to any of the bill 's that I have received from the doctor. Remex proceed to tell me the inflated bill was because I had to pay a collections fee. I proceeded to ask for an itemized bill to show the amount owed and was told by Remex that I needed to supply them with my social security number and Medicare number for them in order to obtain an itemized bill. Didn't give them any private information and proceeded to call XXXX XXXX XXXX XXXX about an outstanding bill that was over a year ago. I was informed by their billing department that I owed no outstanding bill and nothing has been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from Gurstel law firm. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. Gurstel law firm got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say Gurstel law firm has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is  unlawful to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is in complete violation of the CFDPA, FCRA, HIPAA, They have listed seven alleged debt accounts on my credit reports which I have no firsthand knowledge of and no contract in existence proving the alleged debt reported is legally valid. No request for the services this organization provides was ever requested by me. They prepared negative and inaccurate information to credit reporting agencies. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPAA. I notified them twice via certified mail in regards to the accuracy of the information ; however, they have continued to report inaccurate information on my credit report and send me bills. The dispute letters I sent dated XX/XX/2018 using the address they provided to the credit bureaus were returned as No such number, unable to forward ( returned envelope and receipts attached ). This is evident that they reported inaccurate information to the credit bureaus regarding their address. I resent dispute letters dated XX/XX/2018 ( attached ) and they never responded, as I did not receive the signed certified mail receipt back nor were the packet returned to me. 
I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to receive credit, my reputation, as well as an invasion of my privacy. I am requesting that since they have not responded and can not provide indisputable proof bearing my signature of the alleged debts, that all the accounts be removed from all three credit report and that this collection agency cease and desist from trying to collect from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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 notified Transunion of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the public record information in the report. On XX/XX/2018 Transunion submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed and that the name and contact information of the furnisher of information was on the report. The report listed the two public records and the bankruptcy court as the furnisher of information. The bankruptcy court for the XXXX XXXX of Louisiana has informed in writing that the court neither verifies, confirms or reports information to credit reporting bureaus. Moreover, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and also prevented the verification of the public record which Transunion claims to have verified. Transunion has failed to verify the information as accurate and therefore the records should be deleted. 
After receiving the verification from Transunion, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Transunion 's assertion that the public records were verified is dishonest.

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 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
A one-day bank transfer was initiated from XXXX on Sunday XX/XX/18 to my checking account and the transfer showed pending in my checking account on Monday XX/XX/18. Apparently the transfer did not clear until early morning around XXXX XXXX on Tuesday XX/XX/18, so a paid overdraft fee of {$36.00} was applied to one transaction, and two transactions were returned, and return fees of {$36.00} each were applied as well, after the XXXX deposit was made. 

I spoke with the bank 's customer service line twice and they would not transfer me to a manager to dispute the transactions, and said nothing could be done. I also called the branch where my account was opened and they informed me the manager would not be in till next week. 

I believe I was treated unfairly by being denied management communication. I also think it is unfair how transfers are made in order for the bank to profit from a loyal customer.

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 2018-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Ad Astra Recover Services has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent two certified letters dated XX/XX/2018 and XX/XX/2018 requesting verification that the alleged debt is mine, including any documents bearing my signature agreeing to this alleged debt. Ad Astra Recovery Services. has responded to the letter from XX/XX/2018 with a printout of an itemized document ; however, they have not responded at all to my second letter request for signature validation of alleged debt dated XX/XX/2018 which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature or a second response ; however, they are still reporting inaccurate information and have not reported the account as disputed on my credit reports. I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to get credit and my reputation. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt that this account be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are two fees applied on XX/XX/XXXX of {$730.00} for : a. One fee is for Hazard Insurance b. The other fee is for Escrow advance On the other set of customer account activity statements received XX/XX/XXXX, there is only one fee applied on XX/XX/XXXX of {$730.00} for : a. Hazard Insurance Dispersement There are also several {$25.00} fees listed on the customer account activity statements received on XX/XX/XXXX that are not reflected in the customer account activity statements received on XX/XX/XXXX. 

I will be taking legal action on this matter. You can also see a copy of some of the discrepancies attached. This issue goes back years.

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