vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
The XXXX XXXX loan ( 01-01 Stafford Subsidized ) that was taken over by Navient in XX/XX/XXXX is paid off in full as agreed as of XX/XX/XXXX. I have proof from them that shows they collected and applied my on-time monthly payments to that account until it showed a XXXX balance. When they took over my loan balance was {$1900.00}. In XX/XX/XXXX I received a notice ( only one ) regarding a default and collection action. I disputed this. I don't know if they are trying to collect the original {$3500.00} ( - the $ 1900+ paid ) or what. I can't get a straight answer or proper proof of default. Navient did not send any correspondence in regards to payment amount changes or monthly balance statements. Nor was I notified of any default or intent to sell this loan to a " servicer/collection agency ''. Nearly 2 years ( XX/XX/XXXX postmark ) after supposed default and loan transfer did I receive a notice that there was a possible default via an intent to collect notice from XXXX XXXX XXXX. After I disputed this I received a response from XXXX XXXX with a copy of my old promissory note, the original amount {$3500.00} with {$1300.00} principal remaining and the last payment date of XX/XX/XXXX( XX/XX/XXXXpayment ). As of XX/XX/XXXX Navient shows the balance of this loan being XXXX after myXX/XX/XXXX payment of {$150.00}. I went to the website provided in the XXXX XXXX letter that led me to the XXXX XXXX XXXX XXXX site. At the end of XX/XX/XXXX I received a notice from XXXX XXXX XXXX regarding intent to garnish wages. I sent a response to this again disputing a balance and requested all collection actions and harassment cease immediately. As you can see there are 4 different entities ( not including XXXX XXXX  and Navient ) involved here making things very difficult, frustrating and costly both financially and emotionally. I do not run from my responsibilities. That being said I reiterate my earlier statement that this loan, as far as I can see from the proof that I have, is PAID IN FULL as agreed and was never in arrears. Please, I beg of you, help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
As of XX/XX/18 I owed {$510.00} to Portfolio Recovery Associates who had sent the account to their outside law firm of XXXX XXXX XXXX. 
I called XXXX XXXX XXXX on XX/XX/18 and settled the debt for {$370.00}. 
The same day the {$370.00} was debited from my checking account. On or about XX/XX/2018 I received the paid in full letter from XXXX XXXX XXXX based on receipt of the {$370.00}. 
I have attempted to contact Portfolio multiple times vis phone to confirm the account the account is in fact closed and paid. They refuse to discuss account saying it is still under control of XXXX XXXX XXXX. I called XXXX XXXX XXXX on XX/XX/18 to confirm account closed and they say per their records its closed. They told me to call Portfolio. 
Per my credit report pulled earlier this week the {$370.00} has been credited to the account but the settled amount to be written off per XXXX of {$130.00} is still on the account and the account still shows as open despite XXXX 's statement that it has been paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ive reached out to this company and provided paperwork that this is a fraudulent account. Ive also made multiple calls and spoke to reps and supervisors. I have fraud alerts on my account because someone has been using my information. Upon investigation I noticed that this account has been deleted off my records 4 times and resold. If this collection company doesnt remove this off my records immediately I will be forced to take legal action because theyre in violation of the FCRA and theyre breaking the law. I would like a phone call from the company that says I owe them and I want to know that this is off my records because its destroying my credit. Im giving them one week to respond and get this removed or I will get attorneys involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Requested a free annual credit report from Equifax on XX/XX/2018 using the annualcreditreport.com site. Told that it was not available on line ( other two credit reporting agencies, XXXX and XXXX provided my reports online ). Told to send a written request. 

Sent written request on XX/XX/2018. 

Went online to to equifax.com/XXXX  on XX/XX/2018. Filled out form and received message saying the state I live in, New York, does not provide a free report and invited to pay {$11.00} for my report. I did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
On XX/XX/2017 I received a bill amount from States Recovery Systems for {$2100.00}, stating that it was the total amount owed. 

XX/XX/2017 I received a debt validation and bill amount for {$3300.00}. 

On XX/XX/2017 I received a second debt validation and bill amount from States Recovery Systems for {$3300.00}, and stating that they have closed and returned the account to the original creditor XXXX XXXX. 

Now they have resumed collection activity again. The billed amount is obviously incorrect and they have clearly violated several parts of the FDCPA. Not only that, they have continued to continuously call my cell phone after a debt validation and cease and desist statement was provided to them because of the discrepancy in what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have asked Diversified Consultants to send me verifiable documentation that this debt is indeed mine ( first request sent on XX/XX/XXXX, please see letter attached ), in turn they sent me was a bill of the charges they claim I owe. I sent the second letter demanding the same verifiable documentations ( sent XXXX, see attached ). They again responded with a bill, of the charges they claim I owed. I also would like to mention that this account was previously owned by XXXX XXXX, who ceased collection on this same account, and removed it from my credit file. Somehow this account was resold to Diversified Consultants!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have tried numerous times to renegotiate my loan to lower the payment either by lowering the interest rate ( 9.0 % ) and they refuse. I can not afford the monthly payment, do not want to default and can not afford the recently increased payments which are now {$320.00} from {$130.00} a few months ago when I was on a reduced rate plan. They refuse to continue the reduced plan. 

My original principal was {$24000.00} I currently owe {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am having my paycheck garnished for a 10yr old {$9300.00} old debt that wasn't able to be settled between my self & the original bank. This debt is now owned by a new collector ( Cavalry SPV ) for a few hundred dollars, who is shaking me down/extorting me for {$9300.00}. Unable to pay rent & children school fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2018 This company portfolio Recovery sent a letter to my Present address saying that I owe a debt to this company. I never heard of them until I googled them and seen all the bad reviews. I never had No Credit Card with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: NJ

Complaint narrative:
Please demonstrate that the following inquiry appears correctly on my report : XXXX XXXX XXXX, XX/XX/2018. Otherwise, remove, in accordance with my Federally protected civil rights.

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 2018-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX from Branch Service Manager XXXX XXXX, after seven years as a customer, saying " This letter is to inform you XXXX XXXX, has made the decision to close the financial accounts referenced above. We do not believe it is in the best interest of the bank to continue your relationship with XXXX XXXX. Your accounts will be closed effective XX/XX/XXXX '' " As a result of this action, deposits will not be accepted after XX/XX/XXXX. Deposits made to your accounts may be subject to holds. Checks and debits presented for payment after XX/XX/XXXX, will be returned account closed. A cashiers check for any remaining balance will be mailed to you after the accounts close '' Their was no prior warning, nor was there any incident that would have warranted this response. The amount of time given is not sufficient. I am a retiree who receives SSA and retirement benefits through direct deposit. I have creditors who have to be informed of a new account and who need time to process this change through their system. Any creditors who have not been paid will have an adverse affect on my credit. 

I have sent a certified letter to XXXX XXXX detailing the problem as well as calling XXXX XXXX  Customer Service requesting a intervention. I have yet to get a 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 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
On XX/XX/2018 a background check was conducted by First Advantage in the form of a First Advantage National criminal file search. In the background check it list one of my charges as quote XXXX threats with intent to XXXX  another. The actual charge should be XXXX threats with intent to XXXX another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.

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 2018-03-03 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX XXXX, those accounts have been listed like that on XXXX  for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX & XXXX ). Despite my several attempts to correct these issues with XXXX, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.

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 2018-03-03 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: TCF NATIONAL BANK
State: NJ

Complaint narrative:
This complaint is not duplicate!! This complaint is not duplicate!! 

I have XXXX XXXX leading & finance for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.

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 2018-03-03 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: TN

Complaint narrative:
Creditor Name : XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX/XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623

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 2018-03-03 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: AZ

Complaint narrative:
1. On XX/XX/2016, we purchased a car, the dealership was looking for the best interest rate so 4 different companies ran a hard credit inquiry. Experian is counting each inquiry separately and reduced my score by 22 points. I explained to Experian that the multiple inquiries should only count as one but to no avail.

2. I am using Experian credit tracker program. I pay for this service every month. My credit score is higher on the program than what Experian is reporting to mortgage companies. Experian is reporting my credit to the mortgage company 20 points lower than what they are showing on their website as my FICO score.

3. Overall Experian has lowered more score for no reason. Example, I did not use my credit paid all bills on time for minimum 2 months in a row because we are purchasing a home, Experian lowered my score by one point.

Is there anyone who can actually view a credit report and determine if the points are accurate as I feel as if my score is not correct.

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 2018-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have reviewed my credit reports and reviewed the Statute of Limitations on Debt, for the State of Virginia, and I believe debts from Capital One and XXXX XXXX XXXX can not publish balances due, after 3 years of debt. 

In this matter, I have been without permanent job and I have not been able to pay my debts. And as of this Statutes, I believe balances due must be erased from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
The Contract Related to this account has been canceled, NO CONTRACT, PLeas provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transfered to another lender please provide any agreement between the original creditor and new lender or collection company

Company response to consumer: Closed with explanation