vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$880.00}, {$970.00} and XXXX. 
I challenge the accuracy, compliance and reportability of these listings. 

There are no contract, no valid claim ... accounts were settled with original creditors by insurance provider, and I have confirmed this with insurance ( XXXX XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt TWICE! It is unlawful. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$880.00}, {$970.00} and XXXX.

I challenge the accuracy, compliance and reportability of these listings.

There are no contract, no valid claim ... accounts were settled with original creditors by insurance provider, and I have confirmed this with insurance ( XXXX XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt TWICE! It is unlawful.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: OH

Complaint narrative:
I have recently checked my credit report over the last few months after years of never trying to get credit nor looking at my credit report. I was awarded XXXX in XXXX and they back dated it as XXXX as of XX/XX/XXXX and I was covered under Medicare ( Primary ) and Medicaid ( Secondary ) as my Health Insurance. I have 2 separate Collections from Healthcare Collections, XXXX, AZ both which are approximately 6 yrs. old. I have never received any communication neither by phone or letter. I called them XXXX, XXXX and after being put on hold trying to even locate these accounts, I was told that this is was reported to them by XXXX XXXX XXXX . During the conversation I was never asked for an address or phone number to provide me with information on the accounts that are on my trade line on my credit report. 
1st collections account says opened XX/XX/XXXX for the amount of {$240.00}. 
2nd collections account says opened XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: CO

Complaint narrative:
In XX/XX/XXXX, then President Bush signed into law a provision for the cancellation of federal student loans for XXXX XXXX XXXX   who made payments on time for ten years. I did everything I was supposed to do for that ten-year period and have continued to do so in order to take part in this loan cancellation program I am entitled to. In XX/XX/XXXX, I contacted Navient to have my student loans canceled. I was told I didn't have the correct loan so they would need to re-finance under a different loan and I would have to make payments for another ten years in order to take part in this. Since that time, they have taken as much as {$480.00} in one months ' interest. Their interest payments vary from month-to-month but are usually somewhere between {$150.00} and {$200.00} every month. The reason they want me to continue making payments is obvious. They are getting rich off of exorbitant interest payments. It's obviously in their financial interest not to honor the loan cancellation program. I know that several lawsuits have been filed over this already and rightfully so. Hopefully, you will be able to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX  and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.

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 2018-12-12 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: GA

Complaint narrative:
XXXX XXXX  and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.

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 2018-12-12 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: IL

Complaint narrative:
TransUnion is reporting XX/XX/XXXX and XX/XX/XXXX late and attached is the XXXX letter showing I was in Forebearance during that time and before that time. Also attached is payment I made which further invalidates the late entries. This is incorrect, illegal and a violation of the fair credit reporting act.

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 2018-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Well Fargo Bank, did not actively report to my credit report after a discharge of a bankruptcy in XX/XX/XXXX. I originally filed bankruptcy XX/XX/XXXX and paid if off at 100 % in XX/XX/XXXX. After multiple phone calls and Wells Fargo receiving a discharge from the Bankruptcy courts they continued to show my account in in their system as being active in a petition status for a filed Chapter XXXX bankruptcy which also resulted in the suppression of my credit reporting. They sent me a letter in XX/XX/XXXX which stated they had rectified the issue and now in a letter from them dated XX/XX/XXXX they tell me that the previous letter they sent in XXXX with inaccurate. They have now reported my account as closed and paid off at 100 % which is actively showing on my credit report. They tell me that they are trying to rectify the situation but have only caused further issues. Well Fargo has caused me to not be able to refinance my loan with 3 different companies due to this issue and now tell me that they do not have to have an answer for me until XX/XX/XXXX as to rectifying the situation, when the original date was XX/XX/XXXX. This financial institution acts as they choose and do not care about the damage or financial burden they put upon their members, in my opinion they attempt to keep you locked with their company which is a crime. They failed to report accurately to my credit report for 5 1/2 years and had me as being in active petition status in their systems for 5 1/2 years beyond the date that they should have rectified it.

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 monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
Vehicle was leased in XX/XX/XXXX through XXXX XXXX XXXX. 
A few lease payments fail behind, and I received ongoing robo calls to my cell phone. 

I reached out to an attorney who advised me to make a three way call to call XXXX XXXX XXXX while his office was on the other line, requesting that they stop the robo collection calls. 

I continued to pay my lease off, However, Hyundai continued to dial my cell phone using different phone numbers. I maintained a call log.

Moreover, I have a paper trail of all or my payments. 

My lease concluded on XX/XX/XXXX, and the vehicle was turned over to XXXX XXXX Dealership in accordance to my lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On about XX/XX/2018, I tried to secure a pay day loan using my banking routing and checking account number. When I tried to log into my account, a pop-up number appeared for me to call the bank. As I spoke to the representative over the phone, he informed me that the bank has determined that my account must be closed within twenty days and that I can no longer be a client ever with them. I thought there was some mistake so I went into a nearby branch office to find out what was going on. The gentlemen at the branch said that you probably just need to change your username and password ; which he was getting started on when he received a call from the main headquarters letting him know that the account will be closing in or about twenty days. All I was told at the branch was that there was some suspicious activity on the account which translated as someone acting on fraud. When I was shown my account by the banker, I didn't see any suspicious activity on the account. I can only conclude that I was a victim of a scam for a cash advanced loan. The following week, on XX/XX/2018 I got a call from my loan institution telling me that all my payments from XX/XX/2018 have been returned to them as not been paid. I called Chase Bank to find out why and they have refused to give me any information and have said to me many times that " no matter who you talk to, everyone will tell you the same thing. That Chase reserves the right to explain anything, and that your account will be closed in twenty days ''. This has been very frustrating, I have been a loyal client of Chase Bank for many years, and no one wants o give me any information regarding the status of my account that's ended or transfer me to someone with the information regarding the returned payments to my loan institution, XXXX XXXX XXXX. I'd like this matter to be resolved as soon as possible and continue banking with Chase, however I feel as though I am being attached and punished for something I am unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX  XXXX XXXX has multiple balance increases in a row on my XXXX  and XXXX  credit reports that need to be removed, as my credit score has plummeted because of it. I contacted XXXX XXXX XXXX   and they said this never should have happened but those ticks against me are still there!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX $ XXXX/date over 6 years the second one portfolio recovery for XXXX  {$650.00} was victim from fraud in the past 8years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I keep getting calls from XXXX XXXX XXXX about a debt owed. I pay all my bills on time and do not owe anyone anything. I haven't called the company back as I looked online and people that did call where abused verbally. Also, from what I read online that did not stop the calls.

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 2018-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
" Office of Maury Cobb '' has called using several different phone numbers. The office is listed online as a scam debt collector that buys debt. The most recent number the robo call came from was XXXX. My phone caller ID has every number the office of Maury Cobb has called listed as a " Potential Spam ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There was an old account appearing on my credit file with XXXX from XX/XX/2013and now this account appears as a new account with some company named XXXX  showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.

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 2018-12-12 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: IL

Complaint narrative:
I am a member of Experian 's Protect My ID identity theft protection and have been for a number of years. 

My problem started a week ago when I got an email from Experian telling me that my account has been updated. ( I did not update anything in my account ). 

So I click the link to log in and the Experian system doesn't know who I am. Says it doesn't know anyone with my email address. 

See below. 

I attempted to log in, reset my password, made phone calls to 10 different numbers associated with Experian. The computer answers the phone and most recent said my wait time was between 8 and 12 minutes. After 1 hour I hung up. Nobody ever answers the phone or replies to my emails and I never get the password reset link. 

I need to get this straightened out.

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