vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On  XXXX / XXXX / XXXX  I disputed an item on my Experian report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify Experian that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to Experian. Experian did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information. Experian responded back that they would not reinvestigate as required by law. The information being reported on my credit report by Experian is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.

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 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
This company reported that I have a collection from  XXXX  balance of  XXXX  from  XXXX / XXXX /  XXXX  .   The last time I had a phone bill with  XXXX  was 9 years ago! The last balance I had with  XXXX  was paid in full and the termination fee was to be deleted as the result of a dispute with the company 9 years ago.   This debt is not valid. Please help!

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 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was put on  XXXX   XXXX  and knew I could not pay off my debts with the {$1300.00}. per month I would be receiving, so I took a second mortgage out on my home to pay off all my debts in order to make ends meet and support my grandson and I. I made my intentions known to Synchrony Bank. I explained to them I needed my pay off information. It was exactly {$1100.00}.   Once this was paid 5 days later they sent me a bill for {$910.00}. When I called them to point this error out, they stated that a promotion was no long in affect and that I did not pay my debt off in time.   No agreement was ever signed or agreed to like this. If they have a signature it is not mind, because I would never agree to something like this and nothing was ever said about this when I stated my intentions to the bank. I have offered a compromise to protect my credit rating, but they will not consider any kind of a compromise and are demanding payment that I do not owe and can not afford to pay. Please help me. I have no scanner and therefore can not send attachments.

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 monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Informed Barclays Card that I no longer wanted to pay an annual fee for my Frontier XXXX. They agreed to eliminate the annual fee. They are still charging the fee. Barclay card has been notified several times and still charges.

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 monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
I enrolled with a debt settlement company  XXXX . One of the accounts was a  Bank of America ( BofA )  credit card debt. Al of the other credit cards and debts have been successfully paid off or are still in a repayment program. Payments to  XXXX  were initiated  XX/XX/XXXX  and followed on   XXXX  ,  XXXX , and  XXXX . I received a piece of mail from a law firm in   XXXX   XXXX   AR, offering their services for representation regarding a lawsuit filed against me by  XXXX  and  XXXX  law firm on behalf of  XXXX . I was unaware of this at the time. My name was also in the Sunday,  XXXX   XXXX , newspaper noting said lawsuit. I contacted my debt settlement company,  XXXX   XXXX , Thursday  XXXX   XXXX  inquiring why I was being sued. They had informed me at that time that  XXXX  had already received payments for the debt and would check into this matter. After further communication with  XXXX , they informed me they were in process of negotiating a new settlement with  XXXX  and could not explain why I was being sued. I informed  XXXX  I would contact  XXXX  and  XXXX  and attempt to settle this debt without their assistance. I was formally served the lawsuit papers the evening of Tuesday,  XXXX   XXXX  at my home. I contacted  XXXX  and  XXXX  Wednesday  XXXX   XXXX  and spoke with  XXXX   XXXX  ( spelling? ) and negotiated a settlement with her that same day. Subsequent papers were sent out which I received the following Tuesday,  XXXX   XXXX . I spoke with  XXXX   XXXX  the following day and she informed me the papers I received were null and void and would n't be honored. She asked me to mail them back to her and then later in the conversation advised me to shred them. I still have these papers in my possession. I then attempted to negotiated a second settlement with  XXXX  and was advised to call her back if I did not hear from her. I attempted contact again Monday,  XXXX   XXXX , left message and again Friday  XXXX ,  XXXX .  XXXX  left me a message Monday  XXXX   XXXX  and I attempted return call approximately  XXXX  min after and have not had return call from her through end of business day today,  XXXX   XXXX . I feel I have been diligent in trying to reconcile this debt and I was unjustly sued by  XXXX , through  XXXX  and  XXXX . L I have spoke with, although have not retained an attorney at this time and have concerns there  XXXX  be Fair Debt Collection Practices Act violations with this manner. Thank you for your time regarding this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 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: WI

Complaint narrative:
2 creditors that seem to lack logic and adequate information to paid services is 1. Equifax 2.    XXXX  On   XXXX   XXXX   XXXX   I made a final payment to the collector "   XXXX   XXXX   '' located in Florida used by  XXXX   XXXX   XXXX  to pay a debt of  XXXX  which as finalized on  XXXX   XXXX ,   XXXX   I called  XXXX   XXXX   XXXX  today (  XXXX  ) regarding the wrong information still posted on my credit report by both creditors stating i still owe  XXXX  which is a complete lie and fraudulent accusation against me.  XXXX   XXXX   XXXX  in turn called  XXXX   XXXX  with me on the line (  XXXX  convo ) asking to have me removed as i show a {$0.00} balance on thier records,  XXXX   XXXX  complied with the statement the case of owing {$480.00} has been paid in full and is now closed. But the creditors they claim they reported this too have ignored it and refuse yet again to comply. I have had it with this nonsense of these entrepreneurial companies playing with peoples lives like mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: CA

Complaint narrative:
I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score has ch anged ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

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 2017-05-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my credit score has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my  credit score ha s changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

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 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On the morning of  X/XX/17    I was held at  XXXX  point and robbed of my wallet and phone. The people who took my wallet ended up stealing {$3200.00} at a store. They confirmed that {$480.00} was fraud and refunded my money but the transactions ( {$2700.00}  ) th at took place after this transaction was denied. They refuse to give the remaining money back even though these transactions took place after the {$480.00} transaction. The robbers also stole {$1000.00} from the ATM. They have been inconsistence with their reasoning as to why it is being denied. Their last response was n't that the {$480.00} was refunded because it was under {$500.00} ; however, the other transactions, other than  XXXX , are all under {$500.00} as well. This company also had false reports on their account as to when I reported it then another employee said that report was n't there. They also said I called in a claim that their employee actually called me about and they had false notes on the claim. They also will not pull any images to prove that it was not me. Please see the attached images for the fraud transactions. They also have told me that I need to contact  XXXX  where the transactions took place yet they can not tell me where it took place for me to contact them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After checking my credit report in   XXXX   XXXX  , i found a credit card account from  Capital One which i never opened and didnt know about. I called Capital one immediately and informed them of fraud on that account. Capital one s ent me forms to sign which i did and returned to them. They told me they would close the account and remove it from my credit report history. I was assured that the case was closed and complete.     On Friday   XXXX   XXXX   XXXX  , i found a letter in my mail box demanding payment for a ca pital one cr edit card. I checked my credit report immediately and found out tha t Capital One h as been reporting this account as negative for the last two years.I called  Capital One  on   XXXX   XXXX   XXXX   to find out what is this account is all about. I was taken from department to department with no help. Finall  y, the Capital One representative told me they dont own this account because they sold it to a debt collector.
The question Capital One was evading from aswering are : 1. If the account was reported as fraud i  n  XXXX  and   Capital One said it was closed, why did they keep it open and sell it 4 yrs later and report it to the credit report of the person who reported the fraud?
2. Why does Capital One keep on demanding payment from the person who was defrauded and actually reported the fraud?
3. Why cant Capital One send   demand letters for payment to the address they sent the credit card to?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
On   XXXX   XXXX   XXXX   I checked my credit report and I noticed an unfamiliar debt being reported by professional debt mediation for {$2100.00}. On   XXXX   XXXX   XXXX   I sent the company a letter asking for a validation of the said debt. On   XXXX   XXXX   XXXX   I received a response from the company including what they considered a debt validation letter. Included was a copy of the lease that I signed beginning   XXXX   XXXX   XXXX   to   XXXX   XXXX   XXXX  . Which is correct. Also included was a statement of charges charging late rental fees for  XXXX  and  XXXX  of  XXXX  and also  XXXX  of  XXXX  all dates I was not living in the apartment any longer. It also shows an eviction which I was never evicted, I moved out at the end of my lease. On  XXXX / XXXX / XXXX  I reached out to the company making them aware of the inaccuracies and asked that it be removed from my file. I sent the same letter again  XXXX  weeks later and still no response.

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 2017-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The student loan company has my correct contact information. I have spoken with several representatives in the last month and have verified my telephone number and address numerous times. The company continues to harass my family and friends even though they have my contact information. The harassment has expanded to my extended family and now at my place of employment. There is no reason the company should be contacting anyone else but me. They have all my contact information.   Additionally the company is giving myself and my co signer incorrect loan information and they have taken money out of my account without authorization. The representatives call and state the loan is in default but payments have been made monthly for the past year as part of an agreed payment plan. The customer service has been horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: GA

Complaint narrative:
My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with Equifax to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On or about  XXXX   XXXX ,   XXXX  , I noticed that a LVNV Funding LLC company had reported a derogatory mark on my  XXXX  and  XXXX  credit file. This is an unknown entity and I am not familiar with this company, nor have I done business with this agency in the past, however, this agency is reporting adverse information on my credit file, which is causing harm to my creditworthiness.     This agency is associated with  XXXX   XXXX    XXXX    XXXX  as my credit file reference  XXXX   XXXX  as an original creditor in some form, however, I have no relationship with either organization. This company has never sent any information to validate this debt, or show evidence that I have any contracts, or outstanding debts with them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
On  XXXX   XXXX   XXXX , I discovered a collection account at   XXXX   and  XXXX . The original date of the account was  XXXX   XXXX   XXXX .   I have NEVER received any communication from the collection agen cy, State Collection Service, that they had a collection account open for a bill  I owed.   Instead of notifying me about the collection account, so that I could pay the bill in collections in a timely fashion, then after taking no action to contact me regarding the collection account for  FOUR  months, they reported the account to the credit bureaus Now that the collection account is shown on my credit reports, it will hurt my credit rating and will stay on my credit record for a long time.

Company response to consumer: Closed with explanation