vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
This debt should not even exist because the apartment complex was notified 30 days in advance regarding my moving out. I was still charged for a partial month. I am willing to pay {$400.00} to settle this debt, but when I called, no one sees any of the notes about my negotiated amount. I lived at this complex XXXX XXXX XXXX, in XXXX, GA from XX/XX/XXXX til the end of XX/XX/2018. Even though I should not be paying this at all, I'm willing to pay the {$400.00} as agreed to by the collection agency to have this removed from my credit, entirely. NOT PAID AS AGREED. 

I've spoken to the credit bureaus and they informed me that the collection agency was just reading notes from the original debtor of this account. 

Please Advise. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CT

Complaint narrative:
***Received a letter from XXXX XXXX on XX/XX/XXXX advising that they are getting out of the Student Loan Business & transferring accounts to Firstmark Services effectiveXX/XX/XXXX where Firstmark will now be primary contact for student loan information. 

***We were asked to create an account with Firstmark beginning on XX/XX/XXXX or later. As per the request, account was set up and does not show any history. When I called Firstmark several times they do not show any information other than Accrued Interest owed since they took the loan over. I need to see the accrued interested since the beginning of the loan with XXXX XXXX back in XXXX. I have proof of accrued interest payments to XXXX XXXX in the amount of {$1100.00}. I was not getting any answers from Firstmark, so I called XXXX XXXX who totally disregarded the loan and said they sold it off. I am not asking for anything other than what was already paid out to reflect my new account and show history. 

***Spoke to another rep from Firstmark XXXX XX/XX/XXXX who said he had the information for me and would email it over within 48 hrs. It is now XX/XX/XXXX still have not received it. I called again today on XX/XX/XXXX with a very rude rep stating they have over XXXX XXXX loans to transfer over and he will put my request in again, but I probably will still not receive an email regarding my request. 

Not sure at this point where my information is as I am getting the run around from both XXXX XXXX & Firstmark Services. I can not believe in today 's time with such technology that payment information is readily available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on XXXX occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the 3 reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/2021 my credit score decreased by XXXX points for an account in good standing that I verified with company of card is still open. Credit Karma removed this card from my credit profile causing my score to fall XXXX points. I contacted the bank of card and they have verified that this is an error on Crefit Karmas be-halfand they assured me this account was NOT removed by them. 
Also, I checked today and it has fallen an additional XXXX points due to an addition of a credit card they highly suggested I needed for my credit profile. 
They also told me by removing a delinquent account it would raise my score XXXX points. So I paid account in full resulting in removal of derogatory account. It didn't have a positive result, in fact there was no change to my credit score. 
Currently, I'm most frustrated with the fact they have accidentally or at fault of theirs have unlawfully removed a good standing account from my report for no reason. 
I have contacted them and nothing has been resolved. 
This should be illegal. 
Here in trying to get a mortgage loan and they have ruined that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I go into my equifax account and attempt to lift my freeze and it gives me an error saying it can not get the status of my freeze at this time. The site gives me a phone number to call in order to get help, I get a call center in XXXX and have been told 4 times XXXX over four different days ) that their system is down and I need to call back. Two of those three times I was just hung up on after 30 minutes of holding. I am trying to finance a XXXX 's loan which requires the reports of all three reporting agencies and equifax is hold up my financing and is about to cause me to lose locking in a rate of XXXX percent. It is not fair that a company has this much influence on your finances but is not held accountable when they ruin them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: MS

Complaint narrative:
On XX/XX/XXXX, XXXX car was purchased from XXXX XXXX by my daughter XXXX XXXX. It was a XXXX XXXX XXXX XXXX XXXX. I was asked by the company to check my credit because my daughter has a great credit score but not enough credit establish. The salesman asked if he could run my credit to see what she could get. I stated I hate for you to run my credit because it will cause me points, he replied ; its a soft inquiry. The salesman and my daughter called me back at my home and stated the details and I said no I will not co-sign and you need to leave because the length of the long was too long and in my opinion the car was too expensive with no discounts. The problem came in when the dealership told my daughter to pay a down payment and she can get the car in her name with a XXXX annual percentage rate with 60 months. She paid down {$4800.00} she put the gap payment in the amount. The dealership took her money and also put the car in her name and my name. I did not give my consent verbally nor did I sign a contract. If she paid the money why would you put my name on the loan. If you put my name on the loan why did you take her money? This is a fraudulent contract. Mail came to my house with a privacy matter stating XXXX XXXX and XXXX XXXX I have provided a copy. The dealership said my name is not on the contract it is not on the contract but it is on the loan and on my credit report. I contacted Honda Financial Services Friday and was told it is in my daughter name and me as a co-signer. On XX/XX/2021 i requested a copy of the contract via telephone it was sent to me via email. the contract my daughter has the general manager name was not sign the contract I have the general manager signed. How that happen I can not explain they will have to explain that. It has caused stress, emotional harm stop me from purchasing my vehicle because all my credit is tied up with a {$30000.00} loan on my credit .I feel overwhelmed because the salesman and finance manager did a XXXX  and switch on the contract regarding utilizing my credit against my consent. This is wrong and I do not know how the contract say one thing but the main paper work has me listed. I am devastated with this situation. Upon request I will send you a copy of my credit report showing the loan on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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:
I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on one occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the 3 reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.

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 2021-03-16 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 have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on one occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the XXXX reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: PA

Complaint narrative:
The car was totaled 2 years ago and my insurance paid for the car. They then tried to sell the debt to a collection company. I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again, without telling me anything. Now they are harassing me with collections threatening to hold this against me. The account shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent and the account needs to be closed.

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I had opened BJ 's credit card on XX/XX/2021 with Comenity Capital Bank. The Bank approved the card, however, they reported XXXX credit score from XXXX to determine the interest rate. My credit score has never been below XXXX in the last 5 years, so it was a surprise. I subsequently checked with XXXX, and they reported a credit score of XXXX. I provided the credit score report from XXXX to Comenity Bank to check if they made an error. Per law, Comenity Capital Bank can only use the credit score reported by the approved agency. On XX/XX/2021, Comenity Bank reported that the credit score they used, XXXX, is accurate. I am unable to reconcile why XXXX  will provide one score to me and another to Comenity Bank. It seems Comenity Bank manipulated my credit score to charge a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NJ

Complaint narrative:
I was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole XXXX, Experian, XXXX  They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law

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 2021-03-16 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian only allows XXXX dispute on an item and then it blocks you from ever trying to dispute the item again on there website. It keeps consumers from disputing items that are listed incorrectly on there credit reports. This should be a violation to FCRA and some kind of equal access to our credit disputing process.

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 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
I am a XXXX  veteran and have three types of medical coverage. ( Phoenix Financial Services ) claims that i owe XXXX XXXX XXXX XXXX bills which is not true! That collection agency sent me notice of bills owed so i asked to provide the exact copies of procedures and dates for the bills owed including statement and procedure dates. This will allow me to verify if this is a true billing error or if it is a false representation of a debt that is not owed. 
Phoenix Financial Services was unable to produce any details or provide any bills to validate. 
As result of that, I proceeded to send them a cease and desist notice on XX/XX/XXXX. Return receipt was requested and signed for by Phoenix financial Services ; they stopped contacting me until today via mail again ( XX/XX/XXXX ). 
I am 100 % covered by VA medical, XXXX XXXX XXXX and XXXX and have explained this to that collection agency several times yet they continue to send me harassing bills and impact my credit score. 
please assist in resolving this issue with them as these are malicious, deceptive debt practice of a debt that is not even owed by me, nor can they produce a record of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This account is not mines i didn't not authorize anyone to sign me up for this account this account is a result of identity thief and i need this account to be remove ASAP is this doesn't get resolved then i have to use legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For some years now I have been denied credit and didnt think anything of it only recently I attempted to purchase a new vehicle because my current vehicle has been getting rained on and the trunk and Im being exposed to XXXX.My health is in jeopardy because I am currently diagnosed with XXXX. I didnt realize that something was going on with my credit being frozen until four car dealerships attempted to access it I have documentation and proof that Equifax has a fraud alert on my account that they continuously after about 20 cars in sis is not there I have been begging them to provide more information to the point where they have blocked me from making any calls to them at all and steel as of today XX/XX/XXXX my credit is still blocked I am submitting a copy Of a report from a car dealership that shows that there is a fraud alert on my accountBeing given such a hard time for something that is meant to be a good thing. I would like my credit report unfrozen so that it can be accessed by anyone even myself and noticing my account has not even been updated with Equifax since XXXX. I was asked to submit some documents and did so via mail and fax on XX/XX/XXXX and was told that by XX/XX/XXXX the fraud alert would be removed but it still has not been removed as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: TN

Complaint narrative:
This company and CFPB is jerking me around. I have not been able to use my way 2 go card to access any cash in over a week. My card issued in TN with thousands of dollars on it. The company has admittedly made mistakes, and also lying to me, misguiding me. Then XXXX, a representative called me at XXXX XXXX this morning saying shed email so I can email her back if I had trouble with my card, she then called back about an hour later stating the card was good to go. I tried it at an XXXX at the counter, declined, then a XXXX XXXX atm, declined, then XXXX XXXX at counter. The response from company says the card works, issue resolved.. not true! I need results and honesty now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: CA

Complaint narrative:
In XX/XX/XXXX I purchased a new condo in XXXX XXXX CA from XXXX XXXX. The financing company at the time was XXXX XXXX. From what we can tell, in XXXX, XXXX sold the loan to XXXX XXXX 

We are now trying to sell the condo and our title company discovered a lien on the property from the XXXX XXXX XXXX company. As the loan was bought and serviced by XXXXXXXX XXXX, XXXX XXXX should have removed the lien. 

Unfortunately, XXXX XXXX is no longer in business and XXXX XXXX will have to research the loan and they are not sure they have records that far back. 

I need to get this lien removed from the property and have no one to contact to get it taken care of as records are not in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
ON XX/XX/2021 BETWEEN XXXX TWO PHONE NUMBERS CALLED MY HOME TO REPORT A PURCHASE WAS TRYING TO BE MADE ON MY XXXX XXXX CREDIT CARD OF ROUGHLY {$300.00}. THEY WERE ACTING LIKE THEY WERE AN AMAZON REPRESENTATIVE. THEY DIRECTED ME TO A WEBSITE TO GO ON ; XXXX. I DID NOT GET ON THE WEBSITE BECAUSE IT TOLD ME TO DOWNLOAD SOMETHING AND IT WOULD NOT WORK. 

THE FIRST PHONE NUMBER WAS XXXX XXXX XXXX, WHICH I ANSWERED BUT THEN HUNG UP. THE SECOND PHONE NUMBER WAS FROM XXXX, RI XXXX WHICH SAID TO PRESS 1 TO SPEAK TO SOMEONE AND THIS IS WHEN THEY DIRECTED ME TO THE ABOVE WEBSITE.

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 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NY

Complaint narrative:
I found out today due to a credit report that there is a debt collection on my account for retro fitness through XXXX XXXX XXXX in XXXX Nj. This is a gym membership that o asked to be canceled when the pandemic shut down all gums and havent returned since least XX/XX/2020. I attempted to call and advise them of my legal right and laws of the state and was told they can not help and I still owe the balance of {$260.00}. This is unacceptable behavior. First Credit Services- phone number XXXX. 

I need this debt to be removed out of my credit report and eliminated out.

Company response to consumer: Closed with explanation