vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

Complaint narrative:
I have tried reaching out to the apartment complex to get vitrifaction of this and failed attempts telling me to get a lawyer to release information I have never ever stated at the reporting apartment   XXXX   XXXX   in   XXXX   XXXX   Arkansas never have I signed a lease or heard of them I have no known address associated with this place and I have contacted the creditor also informing them of the same information this is not my debt and has been holding me back from getting approved for any apartments in my name I really need this removed or verified as providing proof of Identification and social security card due to this is the information that would be need to put anything in your name. If I am not able to get some type of proof that I stated and leased an apartment with this place I need it deleted from my credit profile.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent a dispute to Transunion and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DCN Holdings Inc.
State: PA

Complaint narrative:
Keep getting a phone call from   XXXX   XXXX    ( 3rd Party )   XXXX   XXXX   XXXX  file number, requesting payment for  XXXX  office balance in collections.     I am not disputing the charge but would rather pay the  XXXX  office directl y (   XXXX    XXXX     XXXX   )  due due to unprofessionalism by  XXXX   XXXX . I constantly get call from them where I am being harassed, I get left messages intimidation such us, " serious issue involving yourself '' as if it 's life of death.     A t one time I was blind transfer red to someone else whom I was not comfortable with.     Also, never was known of a balance from  XXXX   XXXX  and that they would send to collections had I not paid, this was never disclosed to me, so I should be able to pay them directly as they never notified me that they would send to collections.     Just recently spoke to  XXXX   XXXX   ( not  sure of spelling ) and again was very rude, threatening to sue, telling me I should pay now when I explained I 'd rather pay the office directly, telling me, " get it out '' " what 's the number '' repeatably in regards to my credit card.     Again, I do not mind paying but do not want to be involved with  XXXX   XXXX , they show no courtesy to the customer.     Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: DC

Complaint narrative:
On  XX/XX/XXXX  my forbearance was accepted on the amount {$110000.00}. I did n't know I qualified for income driven repayment plan until I spoke with a financial counselor at University  XXXX   XXXX  due to my unemployment in  XXXX  of  XXXX . She sent me the documents needed and how to upload the documents. I uploaded the documents on  XX/XX/XXXX  and it stated uploaded successfully and would take 10-15 business days. When I did n't hear or never received an email I called in  XXXX . They stated that nothing was uploaded but they seen I submitted on that day. The representative then stated they know there is a problem with uploading and they are working on it. I asked if there was any other way to submit because I wo n't be able to make the payments in  XXXX . She stated just resubmit online. I did and still it states that upload was successful but nothing is there. My payments start back in  XXXX  which the representative kept stating but I explained I 'm currently unemployed and just had a  XXXX  which brings my family size to  XXXX  with just my husbands income. They have n't tried to reach out to me to fix the problem or provide me with alternative to submit the repayment plan. I am extremely frustrated because I thought forbearance was my only option. I will be going into Default in  XXXX . I have been trying to get the repayment plan applied before then but they do n't seem interested in helping me in any way shape or form. Makes me wish I did n't complete my dream of obtaining my  XXXX  's in  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX  2017  : received a bunch of Voicemails during business hours from  XXXX . Was unable to answer due to work hours and did not owe a debt so I had no idea why they were contacting me.      XXXX / XXXX / 17  : received a letter at my mothers address in another state saying that I owed a debt. Letter says it was sent in early  XXXX  but was not post marked or received ( at the wrong address ) until  XXXX , which was conveniently close to the 30 day dispute date on the letter. I had only a few days to contact my attorney and dispute the letter after receiving it.      XXXX / XXXX / 17  : my attorney sent a certified letter to  XXXX  to verify debt and gave them 30 days to respond.      XXXX /2017 :  XXXX  has not contacted my attorney with proof of debt.      XXXX /2017 : Debt in collections appeared on credit report. Attorney never received proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
This is an original account fro m Chase en ding in  XXXX .   The debtor,  XXXX   XXXX , is in  a skilled    XXXX   XXXX   receiving  XXXX  and thus is not able to make payments or pay the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My checking account was hacked and funds transferred out on  X/XX/22   . I calle d Chase the  same day and reported the theft. I was emailed a form to fax to their online claims department. I was told to go to a chase branch and close my account and opne a new account. I did so and the chase employee sent the claim form to the claim department. I called to check on my status on  X/XX/22   . They said they never received the form. I re faxed form and have. I called again on  X/XX/22    and was told they did not receive the form. I asked to speak to someone or be given a name to fax the form directly to. the call center said they do no have a contact name or number for me to call nor an email address. How can I see if the form was received if they have no person to talk to too.   They claim the are just a call center and all information flow from the claim center. The call center is in the  XXXX .   The address of the claims center is :  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  -  XXXX  FAX  XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX  ,201  4- $  XXXX - ask   Midland Funding to remove this off  my credit report because this account is past 7 years and no one call me,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23 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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
On  XXXX   XXXX ,    2017, I se nt a certified lette r to USAA Savings Bank r equesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while infor ming USAA that the  debt has been disputed. Note : This certified letter was signed for by USAA on  XXXX   XXXX ,  2017.    On  XXXX   XXXX ,    2017, I p ulled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,    2017, I  sent another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 afte r they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt, nor have they informed me of what collection company this debt now resides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is regarding the complain that was filed in  XXXX . Complaint #  XXXX . All concerns was addressed  EXCEPT the Dept of Education com plaint. Account #  XXXX  which are  XXXX  accounts. Both showing delinquent with a balance. This account has been paid and never delinquent. The information was sent to Equifax in  XXXX . They never responded to this particular issue. A letter was sent to Equifax b y US Dept of Education a nd I sent the same letter. Also, a updated letter was sent to Equifax, stating this account was paid in full and never late in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
I had an old  XXXX  prepaid account no contract because it was expired, and I was paying on a month to month basis. I had a balance of {$150.00}. which was paid from my account back in  XX/2012 .  XXXX  continues to place an amount {$450.00} on my credit report for a balance owed. I have filed a complaint with the better business bureau disputing the charge s in 2012 and t hey were removed. I provided screen shots of the payments being received by  XXXX  and they continue to charge for an amount that I do not owe.  XXXX  continues to place the account with different collection agencies on my credit report in which at this point  XXXX  refuse to remove it stating the collection account is valid after previous disputes from the past four years, which have been removed and recorded as being invalid. I have filed another complaint with the BBB today and still have documentation of the final payment being received by  XXXX  along with no active contract at the time back i n 2012. This ha s messed up my Credit report by adding it as unpaid collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
XX/XX/XXXX  , day before my   XXXX   birthday Myself & Son went to   XXXX   XXXX     XXXX  Pa, sales person   XXXX   XXXX   ... the way Girl explained things   XXXX    would pay off  XX/XX/XXXX    XXXX   XXXX   found out  XX/XX/XXXX   XXXX   XXXX   was not paid off ... I contacted   XXXX   XXXX   & spoke to the finance dept at  XXXX ..  XXXX   said there was nothing they could do..I asked  XXXX  if the contract could be renegotiated I was told NO! ... I came into the dealership with an advertisement stating They   XXXX   could save me {$200.00}. On car payment ... I end up owing a $  XXXX car payment plus a {$420.00} lease per month ... that was not what I bargain for, I 'm  XXXX  on a fixed budget, I take care of my   XXXX   XXXX   XXXX   XXXX   Niece ... WHY WOULD I TAKE ON   XXXX   CAR NOTES .... &    XXXX   XXXX   XXXX      did a BATE & SWITCH , My Son also heard   XXXX   state they would cut a check that same day to pay off  XX/XX/XXXX   XXXX   XXXX   ... .I left   XXXX   XXXX    XX/XX/XXXX  with the mindset that the XX/XX/XXXX  was PAID OFF.  XX/XX/XXXX I found out different and started calling everyone ... ..I 'm

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Automotive Services Finance, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I brought a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX  XXXX, I had just joined the XXXX and was heading to XXXX XXXX, XXXX to be XXXX. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car. I have tried to do numerous times to get them to work with me and they never would. In XX/XX/XXXX, I got XXXX in XXXX, XXXX, I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my commanding officer of my command if i did. So while in XXXX my mother had POA because we would be on XXXX alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible. While on XXXX about a year, Automotive Service Finance decided to set up a court date and we turned in all paperwork stating I was on XXXX and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on XXXX and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am not sure how they received my work telephone number  but Navient has now called me 3 times on our main business telephone number at my employer. They  were told that I did not want them to call me at work but they continued to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX  ,2014- $   XXXX  - as k  XXXX   XXXX  to remove this off my credit report because this account is past 7 years and n o one  call me,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have t he Synchrony store card for Amazon th at offers 5 % statement credit on all purchases. I see the section of the statement where this credit is shown each month but as far as I can tell, the credit is n't actually being applied to my balance. For example, my latest statement shows : + 5 % Back {$12.00} + Bonus Statement Credits - Returns - {$0.00} Monthly Statement Credits {$11.00} But no  XXXX  credit is applied to my balance ... the only credit is for the return of an order in the amount of  XXXX .     I 'm not sure how far back this issue goes ... probably since the account was opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: SC

Complaint narrative:
Someone open accounts using my private info without authorization or disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I was repaying my student loan to navient in which it was  XXXX  intereste. I ended up with  XXXX  and had a  XXXX . I needed to call them to reschedule and keep the  XXXX  interest with the payments I was making, I unfortunately was unable to call them so they now have raised it to 10 % and over {$15000.00} and interest was added. I borrowed  XXXX  and I know all them  XXXX . The cosigner is my husband we are willing to make payments I am on  XXXX  but they will not lower back down to 4.0 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   ) in  regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit bureau ( TransUnion,  XXXX  and   XXXX   ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.

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