vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I do not have a contract ( s ) with Credit Control Corp. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
I do not have a contract with Afni. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: TX

Complaint narrative:
I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
THIS DISPUTE IS FOR FOUR XXXX ACCOUNTS. all of which have the same account number on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
regarding account : XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
regarding account : XXXX account number XXXX. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further. If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
regarding account : XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 2017-08-18 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: TX

Complaint narrative:
Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 2017-08-18 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: PDQ Services, Inc.
State: FL

Complaint narrative:
PDQ Services responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what PDQ is. I asked PDQ Services to send any documents pertaining my signature because I wanted to see. 1. First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that PDQ is discriminating me by forcing the account on me. 5. Someone used my social security number to open up this account.
5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against PDQ Services for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, XXXX must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding chase billing dispute and false statements report to credit bureaus and to CFPB. Chase stated to CFPB THAT my slate account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to XXXX  stating that the slate account could not have been sold to XXXX in XXXX cause on my XXXX report XXXX XX/XX/XXXX the slate account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent chase XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to XXXX that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's Chase Freedom Card but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to Chase where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with disabilities act also. They have sent different letters with different facts that are completely false and they know it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18 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: TX

Complaint narrative:
Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 2017-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I was struggling to pay my student loans with Navient. I paid two payments to Navient with one being {$260.00} a month. I applied for some different repayment plans through Navient onXX/XX/XXXX I received a quote for a much lower payment plan and put in an application. On XX/XX/XXXX I got a bill for {$360.00} a month. I never signed anything agreeing to a new cost nor did I confirm I wanted that new monthly payment. Navient was incredibly vague and purposefully confusing on the phone. Navient said that the quote I received online is just an estimate and actual payments would vary. I asked why I was n't able to approve this change before they asked for higher monthly payments and never received a direct answer. I am baffled at the fact that I put in an application to lower my payments and they raised my payment without permission. had to spend a month trying to get my monthly payment back down closer to what it was. I got it down to {$280.00} a month and had to accept that was the best I was going to get.
I also received a correspondence saying : Unpaid principal balance {$40000.00} Unpaid interest to be added to the principal {$0.00} Estimated interest over the life of the loan {$44000.00} Estimated total loan amount {$85000.00} The fact that I will end up paying twice the amount of my loans by the time I finish my payment schedule is appalling, and I have two batches of loans with Navient.
I have been on forbearance several times but was never told about income-driven plans. I have missed important updates such as late fees and missed payments from previous ordeal due to Navient 's vague wording during communication and voicemails. These struggles are just the beginning of the issues I have had with Navient.
I still struggle to pay my student loans and now i 'm afraid to try to lower my bill again due to the sneaky way they raised my bill. Since then I have defaulted on my loans and we had to take out a home equity loan to pay our student loans. We hope to pursue legal action against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On Tuesday XXXX, I successfully wired in {$5000.00} to Coinbase.com to utilize their cryptocurrency services. Since then, my money has been locked in their platform due to a defect in their identification system, and I have not been able to close my account and withdraw my money since. Despite numerous attempts to reach out to Coinbase support, I have been met with zero replies, and am extremely dissatisfied with their service and worried about the safety of my funds. Coinbase has shown no interest in helping me resolve this issue, and I am very worried that their " identification '' system is simply a cover up to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1700.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: FL

Complaint narrative:
XXXX XXXX responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what XXXX is. I asked XXXX XXXX to send any documents pertaining my signature because I wanted to see. 1.  First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't  verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that XXXX is discriminating me by forcing the account on me. 5.  Someone used my social security number to open up this account. 5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against XXXX XXXX for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, Experian must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.

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 2017-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
My XXXX XXXX was opened around XXXX of XXXX. I had a loss of employment therefore causing financial hardship on me. The lender TitleMax of Missouri repoed my car on XXXX XXXX XXXX. I have tried to work with TitleMax but they just dont want to work with me or understand my issues. I always get a different representative on the phone saying different things. I also offered to give them {$300.00} dollars this month and they said it was too late. This Company has several bad reviews so therefore I 'm also filing complaints with other state and Federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: AZ

Complaint narrative:
This company ( XXXX XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$660.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX does not have a license, bond, certificate of authority to collect in the state of Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation