vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
On XXXX, I paid Navient in full with my Savings account. As of XXXX, they 're claiming that the payment was never processed, which is a lie by committing fraud. I received an email notification of confirmation of the {$1400.00} that I paid them on XXXX, and on XXXX, their website said was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX, XXXX, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

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 2017-09-22 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:
In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, Experian and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, Experian and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, Experian and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

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 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I paid the full balance on my secured XXXX card. It 's an account that is secured by my equivalent available credit. The account was in good standing and there was no late payment. After I paid it off, XXXX quickly closed the account on me without any notice by email or letter. I called to inquire and was informed it was closed. I was not given a reason. I was given a number I could call to ask why. I was told that my money would be returned to me in XXXX to XXXX weeks. This is an unfair practice. If the account is secured, I should be repaid immediately. After all, it is my money and not theirs. In addition, why do n't they provide advance notice of their plans to close? I understand they reserve the right to close accounts, but for secured accounts they need to adjust their practices since it is the consumers ' money and not theirs.

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 2017-09-22 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: IA

Complaint narrative:
Website waived rights to sue and gave arbitrary answer to if you credit information was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: FL

Complaint narrative:
In XX/XX/XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and Trans Union. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and Trans Union is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and Trans Union notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

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 2017-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX  reference account number XXXX as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NJ

Complaint narrative:
Payday loans are not legal in NJ and their rate is over what is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: OH

Complaint narrative:
I received a promotion with discover credit card where i was on interest free until XXXX as per the conversation i had with the agent on the phone. I never received any terms about the promotion as well as i never received any type of notification on my statements or letter stating the status of my promotion or that the promotion ended. I work for a credit card company and all our statement show the status of the promotion such as how much is left to pay to avoid the interest and when the expiration date is of the promotion so that you can pay it off in time. Not a single one of my statements show any type of anything for the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: NY

Complaint narrative:
Equifax had a security data breach on XXXX XXXX 2017.  Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. After going to the site www.Equifaxsecurity2017.com it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. I was notified via email to prove that I was impacted by this security breach,. I am putting in a complaint against Equifax for their negligence of handling my personal information. I am worried about my personal information and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Foreman Financial Inc.
State: CA

Complaint narrative:
FOREMAN FINANCIAL-XXXX I had become ill and was on workers comp for almost XXXX years. I was unable to pay for the vehicle which was purchased for {$9900.00} and I paid {$2500.00} down with monthly car payments of {$250.00}. Due to short pay and hours due to workers comp I was unable to make the payments. Foreman Financial picked up the vehicle XXXX years ago and they are reporting the car as missed payments each month XXXX times and also shows vehicle is charged off but keeps reporting missed payments and the balance amount is false. They keep reporting {$9900.00}, {$11000.00} and {$12000.00} as owed which would mean I never made any payments at all when I did. They keep reporting this which is damaging my credit and I receive alerts XXXX times a month regarding missed payments when the debt was charged off and car was repossessed. Foreman Financial has been sued for their unfair collection and reporting practices and this company still continues to do so unfairly to damage and ruin others credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The equifax data breach has compromised my personal information and the company has not done enough to assist consumers impacted by the breach. The gross misshandling of security platforms has resulted in millions of identity theft cases and the unfair burden of filing credit freezes is a process which is not being handled well, or at all, by equifax. I have attempted to file a credit freeze on XXXX XXXX 2017 and have not been contacted by the email service i initiated with TrustedID to ensure my identity is not compromised. Furthermore, i learned that Equifax was fully aware of the breach but elected to perform insider trading at the expense of their customers to make money before their stocks nose dived in the aftermath of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending

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 2017-09-22 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: NC

Complaint narrative:
I submitted information to XXXX XXXX Bank on XXXX XXXX, XXXX, for an old account that was listed on my report, although the account was paid. XXXX XXXX bank agreed to request for the removal from my credit report, on XXXX XXXX, XXXX. XXXX and XXXX removed the item on XXXX XXXX, XXXX. Equifax refused to remove the item, although they received information the company stating that they were requesting a removal from my report. After Equifax refused to remove, I disputed the item on XXXX XXXX, XXXX, XXXX XXXX indicated to me they were requesting a removal. Equifax still did not remove the item from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I tried to log into my Coinbase account after getting a new phone, same account, same XXXX authenticator, same everything. 

Can not get into my account. Have not received a response or resolution from Coinbases account recovery system. Nothing. 

Give me access to my account, I have uploaded my drivers license, all of my info. I wish to no longer do business with your company once I gain access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: LEXISNEXIS
State: VA

Complaint narrative:
This is in response to LexisNexis 's written response dated XX/XX/XXXX to my previous dispute for Case No. XXXX regarding judgment number XXXX which I just received the updated report dated XX/XX/XXXX showing the items suppressed and removed from my report for LexisNexis 's Case Number XXXX. 

This dispute follow up is specifically regarding the LexisNexis 's letter ( page 3 - 3rd paragraph from the bottom ) where LexisNexis specifically asserts the following " When information is removed or deleted from the  consumer reports provided by LexisNexis pursuant tour FCRA responsibilities our internal nomenclature is to indicate that the records were suppressed because consumers do not necessarily have the right to have the record removed or deleted from non-FCRA reports XXXX as bulk records used by other consumer reporting agencies. The effect of suppression of record from consumer reports is the same as the delete or removal referenced in the FCRA. '' Please note that the Judgment number XXXX that was entered against me ( without my knowledge ) by XXXX XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXwas set aside by the court on XX/XX/XXXX after I filed a Motion For this to be done since I was an improper party to the suit and subsequently the Plaintiff requested the court to nonsuit the matter onXX/XX/XXXX,  which completely removed and dismissed the suit that was erroneously entered on XX/XX/XXXX and no longer exists. 

Therefore, I am demanding again since this judgment number XXXX and now been dismissed I do have a right for not only this previous judgment not to be just be suppressed but I have the right for the judgment account to be completed deleted and removed from all Consumer databases and non-FCRA reports such as bulk records of LexisNexis and any other agencies that they have reporting this erroneous account/judgment record that has been dismissed by the courts. 

I further request that LexisNexis immediately removes this judgment account from all consumer databases and non-FCRA reports ( databases ) such as bulk records since I do have that right since this matter has been dismissed from the courts as ofXX/XX/XXXX 

I have included a copy of the printout from the court records and website that can easily be verified that the matter has been dismissed and LexisNexis does not have the right to report erroneous information on this account about me in consumer or non-FCRA reports or bulk records. 

Please provide me written confirmation that this account has been removed and deleted from all consumer reports of LexisNexis and non-FCRA ( bulk records ) of LexisNexis since the judgment XXXX has been dismissed onXX/XX/XXXX

Company response to consumer: Closed with explanation