vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-29 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: I.C. System, Inc.
State: FL

Complaint narrative:
What they have reported : i was late on a payment & the loan was not paid in full. 

i was never late on a payment, I paid the full loan balance off.

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 2019-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This banks customer service treats me horrible I called them because I added my card for XXXX Pay  and it said to called the bank for verification to activate it I did. And they refuse and give me a hard time after verifying me they want me to speak to security department this is not fair so now I have to wait the entire weekend because these people dont know how to treat a loyal customer or to activate my card for XXXX pay this is not nice I want {$50.00} for the inconevenice they have caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
This will be second attempt to try to resolve my matter with Santander Consumer USA. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29 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: AZ

Complaint narrative:
This will be second attempt to try to resolve my matter with XXXX XXXX XXXX. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.

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 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I received a letter from I.C. System, Inc. in which the letter mentioned is a debt collection agency that XXXX hired. I have never had any sort of cellular service with XXXX in my name. This letter was addressed in my name and came to my address as imprinted on the letter. I believe this company may have potentially mishandled data and is trying to accuse me of a debt in which is not valid.

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 2019-09-29 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: MD

Complaint narrative:
On XX/XX/XXXX Experion lied about completing a dispute. 

EXPERION : has Been cleverly and Cunningly been cooking the Cradit books. To defraud minoritys from having a fair credit score. 

This is how the trick is carried out, the information about the report will be correct, However the activity portion of the credit file keeping track monthly payment, would be doctored negatively to manipulate the algorithm into reducing the credit score. or slow the growth of ones Cradit. For example. 

XXXX : open on XX/XX/XXXX closed XX/XX/XXXX in good standing = ( correct information ) EXPERION shows that this auto loan was opened XX/XX/XXXX and there was no payment until XXXXXXXX.= ( False information ) 22 months of no payment or no data of payment and 2 months on record of payment.= ( misleading the algorithm ). 

After Requesting a dispute to fix the error. experion doctors the monthly activity to reflect the same thing 22 months of no payment and two months of payment But now shows activity started XXXX and XX/XX/XXXX and XX/XX/XXXX the months I paid. ( A total fabrication ) XXXX XXXX  sent a U.A.D. for EXPERION to correct the improper information. And EXPERION defiantly staled by telling the Source of the information that they XXXX XXXX are the ones that told experion the incorrect information instead of fixing it. 

See thats what they are used to tell the people who called them that its the banks that are sending them false information. Now that we can ask the banks to look into the matter they are getting caught Not knowing what to say. 

XXXX : Open on XX/XX/XXXX current ( correct information ). 
EXPERION shows open XX/XX/XXXX and there was no payment until XX/XX/XXXX. ( incorrect information ).

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 2019-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in  question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: IL

Complaint narrative:
My wife and I currently have a student loan with Navient. The loan was transferred from SalleMae to Navient back in XXXX. Since our loan has been with Navient, my wife and I have seen our loans almost double. We are currently on an income-based repayment plan which was a program we had to find ourselves and was never offered by the lender. We didn't find this program until XXXX ( according to the records of filed IBR applications on StudentLoans.gov ). We contacted Navient several times to let them know we couldn't afford to pay our student loan. Every time we called, we were told we had to pay the full balance of what was due or we would be sent to collections. When we told them we couldn't pay, we were told our only option was to go into forbearance. 

Due to the unnecessary forbearance, we have see our loans grow substantially ( My loan at the time Navient took over was {$17000.00} and it is currently at {$31000.00}. My wife 's loan was originally at {$12000.00} and it is currently at {$19000.00} ). We trusted our lender was providing honest information to us, but after seeing our loans continue to grow in size, I feel that we were misled so that Navient could make a profit off our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/2019 Assetcare LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to request an investigation of the following information that Assetcare LLC is reporting to the credit agency on my behalf. 
I am writing to challenge the reporting and compliance on two accounts with Assetcare LLC which is reporting missing information/incorrect information. More specifically I am referencing the fact that you are reporting. 

Dispute # 1 Date Open : XX/XX/2019 Amount Reporting : {$61.00} Dispute # 2 Date open : XX/XX/2019 Amount reporting : {$180.00} Disputed Reason : This account with your company is in question, please send me last billing statement, medical release paperwork that shows I gave permission to release my medical report that show you didn't not validate my hipa rules. please correct the missing/incorrect information date of last activities. your improper procedures are highly damaging to my credit score. please immediately delete this item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I was contacted by FRANKLIN COLLECTION/XXXX  XXXX, that I owed {$980.00} for not paying a phone bill and not returning XXXX XXXX XXXX equipment for account. I advised that was not possible, as that account was transferred to my ex-wife, XXXX XXXX XXXX, during our divorce in XX/XX/XXXX. They advised that the account was never closed and was being paid on up until XXXX  XXXX. I had discovered through this that my ex-wife was fraudulently using my old XXXX XXXX XXXX account following the divorce, which was not authorized by our divorce or me. My ex-wife is responsible for this debt and possesses the assets that need to go back to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX first, I payed them on time every month and somehow wasnt recorded then suddenly a lot of my credit was paid? 

Wells Fargo, I keep having charges that I do not recognize and they keep overdrafting me with a {$35.00} fee at least about 4 times a month. Overdraft is credit, I do not have credit with them.

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 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was needing to close my business account because I was no longer going to be a partner nor do the business so I spoke to a banker XXXX XXXX sometime in XX/XX/XXXX on what steps I needed to take to close or take my name and info off account. I was told we would both have to come in and bring documentation showing i was no longer continuing the partnership or business and that it would need to be notarized which I was able to do and came in with my business partner XXXX XXXX on XX/XX/XXXX and gave banker copies he requested in order to close business account altogether while doing so the banker asked if I had anything pending I said no just XXXX XXXX monthly fee of {$39.00} which I had made several calls around late XXXX XXXXinforming merchant XXXX XXXX of cancelling services and to stop any more deductions by XX/XX/XXXX which they continued to do and I let banker with chase know on XX/XX/XXXX that it was possible that XXXX XXXX may still try to deduct the fee of {$39.00} which I was told by banker that I could put a stop payment which I did. Well here I am still having issues and now the account is over drawn by XXXX which I XXXX XXXX did not make any charges after XX/XX/XXXX. I do not think that is right being a customer with chase bank for many years. I was told till the account was in a positive and not negative I could close. I am very upset because i did not accure any of those charges and i did what I needed on XX/XX/XXXX to take those steps and I have my copy of receipt that account would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XXXX Creditor Reporting : Portfolio RC To Whom It May Concern : I am writing to challenge the reporting on my credit file by Portfolio in regard 's to my XXXX XXXX credit card. This account was settle for less than full value and has been paid, in agreement to remove off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: FL

Complaint narrative:
On the XXXX of XXXX I obtain a copy of my Experian report and noticed some incorrect information. 
I am writing to request an investigation of the following : Inquires : 1. XXXX XXXX XXXX XXXX Inquiry Date :  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquire Date : XX/XX/XXXX Dispute Reasons : This was disputed and keeps coming back on my credit file. Please update information and remove these credit inquiries or provide me with documents baring my signature

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 2019-09-29 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
On the XXXX of XXXX I obtain a copy of my XXXX report and noticed some incorrect information. 
I am writing to request an investigation of the following : Inquires : 1. XXXX Credit/XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXInquiry Date : XX/XX/XXXX XXXX. XXXX Credit/XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXInquire Date : XX/XX/2018 Dispute Reasons : This was disputed and keeps coming back on my credit file. Please update information and remove these credit inquiries or provide me with documents baring my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XX/XX/2019 Navient/Department of Education To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with Navient /Department of Education . I am writing to request an investigation with the BarrowDefense Department.

I feel they are taking to long to review and make proper decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: DISCOVER BANK
State: FL

Complaint narrative:
Late last year three unknown charges appeared on my Discover Card Account. These were not done by me. I contacted Discover and reported the fraud. I spoke with a rep who cancelled my card and issued a new one. During the course of this investigation Discover had the same rep call me on numerous occasion and in an accusatory tone asked me about these transactions. Apparently, merchandise was shipped to an old address of mine. I explained I had no knowledge of these transactions of who did them and yet they claim I am responsible and placed all the fraud charges plus the interest back on my account. This caused by credit score to drop 49 points. Before I obtain a lawyer and sue them I was hoping you could investigate this and help/ They are violating FCRA. I am not responsible for charges that were not placed by me. Someone got my old card number and did this. They have been told this. Under law I can not be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am requesting that the late payments get removed from my account from XX/XX/XXXX-XX/XX/XXXX. I have struggled with financial instability for over a year which has caused me to struggle financially to afford basic needs such as food and shelter. Within that time frame I lost my job and have a death in my immediate family. That caused me to be homeless within that timeframe as well. I have XXXX children with no support and I am trying to get my finances under control. Im currently in the income driven plan for my loans however I struggle to pay that payment. Moving forward I will assure that on time monthly payments are a prior if I can get my payments a little lower that I can afford. If not I will make an on time payment for what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
We went through the trial payments and completed the notary portion of the modification when we went to make a payment a month later we where told that the paper work was not correct and did not receive any notice on this issue we called back and they emailed me a new document to get filled out again we went to a judge and banker to make sure this was filled out properly and sent it in next day air ups a couple of days went buy and we got a notice the house was being put up for sale on XX/XX/XXXX that is only 5 days a way we have been in this position since XX/XX/XXXX we hired a attorney who is working on the sale dat to cancel it so we can go through this process again this will be the 3rd time with this bank we have completed 3 trial plans with a total of 9 payments we also trusted a company that charged us for a forensic audit they claimed we needed the company was home owner retention company in XXXX XXXX as well as there attorney we fired them and refuse to pay remaining fees they messed this up so bad now we had to hire a new law firm and they are good but we lost a lot of money and sleep. We have had a hard time my wife has XXXX we lost Family members to XXXX and my XXXX son got XXXX XXXX XXXX XXXX after a XXXX XXXX playing collage XXXX. it has been very challenging but now we are ok and need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I was shopping for a XXXX during XXXX 2018 and went to XXXX XXXX to see pricing they ran my credit and I decide not to accept their offer. I left their store and almost 6-8 months later and have a collection on my credit. Never accepted. It looks like XXXX XXXX used my information. I went to the store in XXXX Ca.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.

Company response to consumer: Closed with explanation