vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-25 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: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX  XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX A notarized Identification has been attached

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 2018-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: MI

Complaint narrative:
XX/XX/XXXX : I was sent a final account statement from my previous apartment complex, XXXX XXXX of XXXX, NC, stating I owe a total of : {$5300.00}. My charges equal a total of {$1400.00} and XXXX XXXX is charging me an additional amount of {$4100.00} to " move-out ''. They had signed me up for an additional 4 months, from XX/XX/XXXX to XX/XX/XXXX. My lease was originally set to end on XX/XX/XXXX. I spoke with the apartment manager ; XXXX XXXX via email on XX/XX/XXXX stating I needed to extend my lease until the end of XX/XX/XXXX, ONE month total. She forwarded me the lease to sign and it was returned to her on XX/XX/XXXX. She had signed me up for an additional 4 months. I agreed to only an extension of ONE month not FOUR. I was charged {$4100.00} in rent/late fees for those additional months. I will gladly pay the {$1400.00} in charges for the month of XX/XX/XXXX. I moved out the last day of XX/XX/XXXX and sent her notification of my move out date. This incorrect charge is now in collections and damaging my credit score, preventing me from applying for credit cards and loans. I have an email with payment confirmation for XX/XX/XXXX rent, I have attached these email conversations. The payment was made by my boyfriend at the time, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
THIS DEBT DOES NOT BELONG TO ME. 
In the early part 2018, I requested validation of debt from IQ Data International Inc regarding the erroneously reporting of a debt to all 3 major credit bureaus. Upon return from a family emergency out of town, I received a letter from IQ Data International Inc stating that the principal balance due in the amount of {$6400.00}, Interest due in the amount of {$410.00} that gave a total balance due in the amount of {$6800.00}. I do not have an account with this agency and when I contacted the alleged original creditor in XX/XX/2018 I actually reached out to the original creditor ( XXXX XXXX XXXX ) at a XXXX # and spoke with XXXX/XXXX  ( not sure on how you spell it ) however, I was not given any information on the account. I later call back to speak with another rep and after asking about information pertain to the alleged account I was advised that all business could be handled with the collection agency. I then began to research/request my public file from XXXX County and seem where there were no files for eviction of any sort for this property or from this collection agency. Upon further research of my consumer rights, I found out that this agency is NOT bonded in the state of Texas, which according to Texas Finance Code 392.101, prohibits them from collection activities. This is the first violation that subjects the debt collector to civil and criminal penalties and entitles me to civil remedies under section 392.403. In addition to the bond violation, a debt collector may not add interest to a balance that were not included in the original contract. Again, although this contract does not belong to me, every time the collection agency reports to the credit bureaus, the amounts continue to increase, even after they failed to STOP reporting during an investigation. There is nowhere in the contract that states any interest will accrue. No one deserves to be victimized by overly aggressive debt collectors and their unlawful practices by them completely knowingly ignoring the Fair Debt Collection Practices Act, which they MUST comply to. I demand that any and all collection activities not only cease and desist but be PERMANENTLY deleted from all records internally and externally within the company, the original creditor and all major reporting agencies namely XXXX, XXXX and XXXX. I have attached a copy of my findings using several searches.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I sent in a letter to the law office of XXXX XXXX XXXX and National Credit Systems and also all 3 credit bureaus in regards to a collection from XXXX XXXX  XXXX. The collection is stating that i owe {$1.00}, XXXX. XXXX XXXX is stating that I was evicted in XXXX of XX/XX/XXXXbut my lease agreement clearly states that my lease expired in XXXX of XXXX. I was no longer living at the residence in XX/XX/XXXX which is why I do not understand why I am being held responsible for rent charges between XX/XX/XXXX to XX/XX/XXXX. I have sent in numerous letters asking that the company to verify the charges and explain why the account is listed on my report. I never received a letter from National Credit Systems but I did receive a letter back from the office of XXXX XXXX XXXX. P.C. The office sent me a copy of my lease agreement. The information listed above can also be seen on the lease agreement and it shows where my lease expired on XXXX. I challenge the accuracy, compliance and reportability of this listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: AL

Complaint narrative:
OnXX/XX/2018XXXX I mailed a letter to ERC requesting debt validation. I was sent a copy of a bill from XXXX XXXX XXXX in the amount of {$1000.00} and no validation about a XXXX bill in the amount of {$650.00}. I requested proof that I was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/2018, that this was not a request for verification but a request for validation. I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or delinquency verification that debt was assigned or sold to the collector ERC has failed to provide me with this information. Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove they have the legal right to collect 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 2018-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This student loan was obtained in XX/XX/XXXX. Since then t it has been in & out of forbearance for many reason, but mainly because I was a single mother. In XX/XX/XXXXI got married and due to my husband 's income I had to start repaying the loan. A few times I did receive more forbearance 's. XX/XX/XXXX I was XXXX XXXX XXXX  with my XXXX child and I received a call that my paychecks would be garnished if I did not start repaying the loan. At that time I set up automatic withdrawals. I completed their rehabilitation program. I was then granted another forbearance and it was only for a few months. I was not aware the forbearance ended and received 5 late payment reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Since that time I have been granted several more forbearance and made every payment due timely. Due to the fact that I was not aware nor received anything stating that my loan was due I feel that these late payments should be removed from my credit report. I have requested twice for these to be removed and Nelnet is acting unreasonably. Please help me. I will be paying for my XXXX XXXX loan probably until its time to send my own children to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX spoke with respentstive in reference to fradulaent account on credit report. Representative advise me that the negative report will be removed from credit report and the report is still on present showing negative and it will not let me dispute due to inaccurate and the company not being able to prove when the services was conducted. I want this negative report removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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:
XXXX XXXX issue me a {$1200.00} Walmart credit card. Within 45 days they lowered my credit to {$800.00} affecting my credit report and lowering it by 5 points. 

They claim is was because of increase use of my credit but I am also making 40 % more money. They did a poor job and most important it affected my credit rating protected under the FCRA. 

They had already ran a credit report 30 days earlier.

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 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX/XXXX XXXX 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 explanation
Consumer complaint received 2018-03-25 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: NE

Complaint narrative:
I have been dealing with XXXX XXXX/Navient for years and consistently receive the " run around '' regarding my payment plan. I have not missed a payment, but am constantly misinformed and receive multiple versions with every phone call. I will attach multiple images will explain the communication process with Navient. I am holding 5 letters, all dated within a week of each other, stating that I owe anywhere from {$0.00} to over {$400.00} ; one is even from a collection agency. This is a common situation with them. I am at a loss as to how to fight them and am confident I'm being charge late fees that do not apply, etc. Thank you for your time and I appreciate any help you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... 

Link to full text of Citigroup policy XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
What Compliant? 
Lexis Nexis HealthCare Records What type of Problem? 
Negligent Phone Responses in gathering Data Records in a Dispute or Correct in Collecting and Selling Personal Information for the use on Credit Determination. 

What Happened? 
In XX/XX/1998, HR Managers at my Employment, ( XXXX XXXX ) Violated the Court Rules in Hiring Employees that ' are not. Entitled for Recruitment/Hire at my Place of Employment. Upon, my Forced Layoff and Number of Numerous attempts in Accidents, I was Forced to Relocate to XXXX XXXX, And then XXXX, Where ' Conditioning of Domestic XXXX and Domestic Finance made cause ' for the Continuing Conditions of aWrongful Death recognized ' by, Law Enforcement, Government Agencies, the Courts and Judges. 

What Company? 
Lexis Nexis Who is Involved? 
XXXX XXXX Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/XXXX and XX/XX/XXXX by : XXXX/XXXX XXXX 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 2018-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC
State: GA

Complaint narrative:
In XX/XX/XXXX, I sent in a letter to the law office of Brett M. Borland and XXXX XXXX XXXX and also all 3 credit bureaus in regards to a collection from XXXX XXXX XXXX. The collection is stating that i owe {$1.00}, XXXX. XXXX XXXX is stating that I was evicted in XX/XX/XXXX but my lease agreement clearly states that my lease expired in XX/XX/XXXX. I was no longer living at the residence in XX/XX/XXXX which is why I do not understand why I am being held responsible for rent charges between XX/XX/XXXX to XX/XX/XXXX I have sent in numerous letters asking that the company to verify the charges and explain why the account is listed on my report. I never received a letter from XXXX XXXX XXXX but I did receive a letter back from the office of Brett M. Borland. P.C. The office sent me a copy of my lease agreement. The information listed above can also be seen on the lease agreement and it shows where my lease expired on XX/XX/XXXX. I challenge the accuracy, compliance and reportability of this listing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by TOP FINANCE COMPANY IN

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