vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I contacted RS Clark & Associates for a pay for delete of a XXXX debt. The representative stated it was a recorded call and they collect debt ( which I was aware ) The lady stated she would need to get her managers approvol to collect the debt and then have it deleted from all 3 credit reporting agencies, she placed me on hold, came back and she stated that she would be able to do that ... she sent me to a woman to take my payment and then emailed me my receipt and I also received one in the mail ... I also faxed them back the sign copy of my receipt the same or next day. So I check my CR and its still showing on XXXX  and XXXX, they only deleted it off of 1 CBR! I then sent them and email on Tuesday XX/XX/18 asking them why they have not removed the debt from the other 2 agencies and they have ignored my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
A couple years ago we Navient to see how we could lower our monthly payment. We were told by multiple reps that we were on an interest only plan and it was going to change to a much higher payment. We were told on multiple occasions that there wasnt an alternative option until we finally spoke with a rep that was able to place us on an extended payment plan to lower our payment but said it would add 15 years to our repayment schedule. We were told there may be other options available but they would need to speak with the borrowers parents to discuss ( we were XXXX at the time and no longer dependent on our parents ). We were told that we could always change our plan at any time. In XX/XX/2018, we called in because our payment had increased by over {$50.00} in the past 2 years. The rep did some digging and came back only to advise us we were on a variable interest rate. We were never told we were on a variable interest rate plan until we called in XX/XX/2018. We never questioned it because our payments only increased by very small amounts. We asked if we could move to a fixed repayment plan and were advised its not an option unless we lower the repayment period ( and it would significantly increase our monthly payment ). The rep told us on XX/XX/2018 that our payment would never go higher than {$440.00} based on her calculations. As of our XX/XX/2018 payment, our payment was {$440.00} ( and was {$440.00} again in XXXX ). Our payments continue to increase and we fear it won't end. We are tired of being lied to and tired of being tricked to believe what this company tells us. I've attached our payments to this company over the past 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have had nothing but problems with my bank over 4 years ago checks were sent to an incorrect address after my address was updated with the bank the person living at the address used my checking account to pay their bills I had to open a new checking account at the time the bank promised that I would have a no fee checking for certain balances and no fees for checks I have recently discovered that I am being charged XXXX for checks I don't feel as though these charges should be charged to me I would like them to be refunded to my bank account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I started receiving harassing calls from this number about 6 months ago. When I finally decided to try and talk to the person on the phone they told me I had a debt in collection is excess of {$500.00}. I have medical insurance and have not had any major medical costs so that number seemed unlikely even if I had missed a bill. After arguing with the person on the phone for about 20 minutes, they said there had been a mistake on my account and they were billing me twice, so my debt was actually only half of the original amount so if Id like to pay now that would be great. My radar went way up- scam? I asked for more information on the origin of the debt and the information they gave me was useless- I couldnt get enough information to call the doctors office and confirm that I had indeed missed the payment. The next time the callled I asked for a paper document itemizing the debt. They sent me a letter with no real information on it- original debt? Interest charged? Creditor name? On the letter they gave me a website I could go to and pay my debt. When I try to log in, given the log in information that gave me, it says that my account could not be located. So now, Im sure I am accruing more interest because I will not give my cc over the phone and I can not log in to the portal provided. I still can to figure out the doctors office that it is coming from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have both Federal and Private loans with Navient. I began repayment in XXXX. I have had an ongoing problem with Navient constantly calling my phone at all times day and night up to XXXX XXXX. I have told them to stop and they do for a few weeks and continue. They also send me emails with reflecting the current payment. If its so much as 5 days late they send me emails showing the amount rising for the total of several payments progressively. 

My co-signer ( XXXX XXXX ) Contacted me in XX/XX/XXXX. He stated he saw I was making payments of {$80.00} towards the loan ( which is more than I was required to pay ) he co-signed for as well as the one I had on my own. Mr. XXXX called Navient and discovered they were placing the payments on solo my loan as it was the lower amount bringing up the interest and total balance of my co-signed loaned. What bothers me is that I sent checks via XXXX  XXXX XXXX to the two separate accounts. Navient took it upon themselves to place the money in toward the one account and raise the interest on the one co-signedhow is that fair anyway shape or form???. I called them and asked about this. The clerk I spoke to was evasive with answers. I told them I wanted a detailed breakdown of my Federal and Private loan accounts. I was told this was not a problem and they said they would mail it to me. I never received it. I suspect the same issue is going on with my Federal Loans as well. Navient is placing money and keeping interest by doing this making it an extreme hardship for borrowers. I would like this brought to your attention due to Navients recent criticism and allegations of illegal handling of student loans. I seek any and all relief due if available in the future. It is a sad state when corporations take advantage of people paying what they owe and trying to better themselves. If there was not an issue there would not be so many complaints about this corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I had a balanced due to a doctor the balanced was discharged with my bankruptcy which was filed in XX/XX/XXXX and discharged XX/XX/XXXX. The account was transferred to XXXX and XXXX XXXX XX/XX/XXXX. I advised the company it was discharged during bankruptcy procedure. XXXX and XXXX XXXX continue to pursue this payment and has posted it on my credit report. I have been disputing this company since XX/XX/XXXX with the credit reporting bureaus.

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 2018-09-09 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: FL

Complaint narrative:
I had submitted five claims with Experian trying to get multiple inaccurate/ false late payments removed from my credit report. However, they kept saying, it verified, but in reality Experian never contacted my former mortgage company XXXX, because when I called them they referred me back to EXPERIAN. I even get a letter from them say I NEVER LATE. 
XXXX and XXXX are removed the late payment, but Experian would not removed the late payment from my credit report. 
I don't know what to do right now? 
Please, somebody help me? 
Do I need to contact someone else? 
Now Experian won't even allow me to make another dispute online, while they won't show me any document from XXXX. 

I don't know what to do at this time! 
All I need is for Experian to do it job. 
Thank you.

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 2018-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Back in XX/XX/XXXX a checking account was opened in my name with Bank of America I called on XX/XX/XXXX to Bank of America to Fraud department letting know this was not opened by me they sent me the claims letter to fill out mind you I alerted them. They marked my account as if I did the fraud what is that I reported to them so unable to open account anywhere.Sent all the information that was need as the account was open online with No ID or Signature over the internet. Never heard anything called 10 times no response always get customer service agents they never can put you through the claims person and the claims person doesn't call you back. Finally I get irate because this is stopping me from getting home loan, personal loan lines of credit really hurting financially and stopping me from enjoying getting home making the process horrible stressful and exhausting. I had fax confirmation on sending my information bank of America said they never received and still again could never speak with the fraud claims person no name nothing. Now XX/XX/XXXXThey finally receive the proof they asked for provided police report and documentation showing never lived at the address that s on the account. I still not heard anything and called numerous times with no luck can please help get this taken off since bank of America continues to hurt my credit and this so wrong and unprofessional. I need my life back and the privilege to bank account. thank you

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 2018-09-09 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I received a letter on XX/XX/XXXX, stating a credit had been issued for a Citibank card that my daughter was rectifying, and that the account was closed. No where on this letter does it state that there was a balance due on the account. Prior to this letter, I had no knowledge there was a balance owed on this account, or that it was in arrears. 
XX/XX/XXXX, I was contacted by a collection agency for a Citibank card for which I did not possess with a balance of {$5900.00}. I did not receive a statement from Citibank for any outstanding charges on this account. 
I contacted the collection agency stating that I was processing a dispute with all 3 credit bureaus. Also, I disputed 2 addresses on my credit bureau reports listed in Maine, and contacted the FTC to inform them of this fraudulent activity. 
I sent a registered letter to the collection agency informing them of the actions I had taken with the FTC and credit bureaus. 
On XX/XX/XXXX, I contacted Citibank and spoke with a representative who informed me that I was responsible for the balance on this card and should pay the full amount. I was then transferred to another department and was told that I could fax a letter to Citibank asking to see a list of charges. 
On XX/XX/XXXX, I received a voicemail from Citibank. I listed to the message 3 times and my husband listened several times but neither of us could understand what the person was saying. 
On XX/XX/XXXX, I sent registered letters to the Chief Compliance Officer and General Counsel listing the information as I know it, and asking for assistance. 
As of XX/XX/XXXX, I have heard nothing. 
However, on XX/XX/XXXX, I received via XXXX a statement from Citibank with no charge detail, just a general billing statement. 
I have no idea what was charged or if there was any fraudulent purchases on this account. No one at Citibank was able to tell me what was charged or amounts for each purchase. 
As of XX/XX/XXXX, the Maine addresses have been removed from my credit bureau reports.

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 2018-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I PAID MY ACCOUNT OVER 8 MONTHS AGO, AFTER BEING TREATED IN A HARMFUL MANNER BY THE STAFF. THEY WERE PRACTICING UNLAWFUL DEBT COLLECTION ACTS. I DO NOT EVEN BELIVE THAT MY ORIGINAL BALANCE AWAS ACTUALLY OWED. THEY WOULD NOT TELL ME OR PROVIDE ME WITH ANY PROOF THAT I ACTUALLY OWED THE DEBT AND THE ACCURATE AMOUNT. I BELIEVE THAT I WAS OVERCHARGED AND IN REULT OVERPAID! THE REPRESENTATIVES WOULD OFTEN GET VERY RUDE AND EITHER HANG UP ON YOU FOR ASKING REASONABLE QUESTIONS OR TRANSFER YOU TO A VOICEMAIL NO ONE WOULD ANSWER. THEY THREATENED ME WITH TAKING THINGS FROM ME FOR NOT PAYING AND THAT I COULD GO TO JAIL FOR IT. THIS ACCOUNT STILL HAS NOT BEEN REMOVED FOR MY CREDIT, ALTHOUGH I HAVE BEEN TOLD BY AT LEAST 3 PEOPLE THAT IT WOULD BE! I HAVE CALLED AND COMPLAINED NUMEROUS TIMES! I HAVE BEEN LIED TO BY THE STAFF ABOUT THE PROCESS! I HAVE NOT EVEN RECEIVED MY REQUESTED PROOF OF PAYMENT! THIS ACCOUNT SHOULD HAVE BEEN OFF MY CREDIT & I SHOULD HAVE HAD A RECEIPT OF PAYMENT BY NOW. THIS IS A VERY SHADY COMPANY. THEY SHOULD NOT BE ALLOWED TO DENY OR FAIL TO PROVIDE A RECEIPT THAT THE CUSTOMER ASKED FOR OVER 8 MONTHS AGO - NOR FAIL TO PROVIDE ANY PROOF OF DEBT OWED. THIS COMPANY IS TELLING LIES OVER A RECORDED PHONE LINE AND THAT IS ILLEGAL. OVER THIS RECODED PHONE LINE, THEIR STAFF OPENLY STATES THAT THEY DID NOT DO THEIR JOB PROPERLY IN RESOLVING THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have sent Midland two letters regarding a debt they claim I owe and have filed a dispute with the credit bureaus that Midland responded to with a claim that the debt is valid. 
I have provided a copy of the letter I mailed to Midland in XXXX, which clearly requests proof that Midland owns this debt and has right to collect, which Midland blatantly ignored in their response - the response is also attached. 
As a resident of New York City pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I have a right to see proof that Midland owns this debt and per NYC Law, Midland can not collect on this debt until such proof is provided to the consumer if requested. 
Since my request Midland has continued to make collection efforts sending letters to attempt to collect the debt dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX in addition to several phone call attempts in that time period these collection actions are a violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09 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: Westlake Services, LLC
State: NV

Complaint narrative:
I contacted 2 lender solve problems and they didnt work out they just keep telling me will contact me back but never I dispute with credit report is same problem and they told that I need contact company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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 have been a victim of fraudulent activity on my credit. I have a identity theft report FTC # XXXX. Your company Experian only blocked one account which was XXXX XXXX. Please review report for all cases involved. I have a XXXX XXXX Account # XXXX. This account must be removed and or blocked from my credit profile immediately.

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 2018-09-09 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: LEXISNEXIS
State: OH

Complaint narrative:
LexisNexis is report an at fault accident for me in a car I never owned or drove. The accident occurred in XX/XX/XXXX. I was hit by the driver and owner of vehicle LexisNexis is showing me as owner and at fault. The vin # of the car show me not the owner or driver. LexisNexis is reporting false and incorrect information. I went XXXX XXXX Agent they show from Lexis Nexis I had an at fault accident driving a XXXX XXXX I don't own or have ever drove. This has cost me higher premium or denial of insurance coverage. LexisNexis also have another person connect to the report they provided to me. This has cause insurance agents to ask me if this person resides at my address. XXXX agent on Friday XX/XX/XXXX corrected the false information in their system once I took proof from my insurance company that I never owned or insured the car they are saying was my and at fault. I took proof from the insured company showing their client was at fault with that vehicle. However, it is still being falsely report on other agents checking LexisNexis site. If I had the document before XXXX corrected their system I will be taking this lying, false report fake Lexis XXXX to court, If I get a copy of that report they will be in court. For 5 years I have paid a higher insurance premium at their stupidity. XXXX XXXX IS LISTED ON THIS REPORT FROM LEXISNEXASS. WHY? Is XXXX on the report you sent me? Maybe XXXX XXXX can sue Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been a victim of fraudulent activity on my credit. I have a FTC REPORT NUMBER XXXX. For two accounts. XXXX XXXX ACCOUNT # XXXX and XXXX Account # XXXX. Both accounts have been removed and or block by other CRAs. But your company Equifax has lied and stated account verified. How dare your CRA breaks the law and not block these accounts immediately. All Fraud must be remove that is the federal government law. No if and or buts about it. But its not a surprise your company is openly breaking the law. This is the same agency that leaked millions of Americans information. If your CRA does not block these accounts immediately I will be filing legal action against your company immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of ID Theft and have been trying to get Equifax, XXXX XXXX XXXX XXXX to remove fraudulent accounts out of my name, that's damaging my credit profile. Equifax refuse to remove the fraudulent accounts. 


XXXX XXXX Acct # : XXXX XXXX /XXXX  Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I was alerted by XXXX, XXXX, and XXXX that the collection agency by the name of XXXX XXXX XXXX added two collection files to my credit reports. I am disputing this that it is fraudulent due to the fact I have never signed a contract nor do I have an account with this said company. NO SIGNED CONTRACT with XXXX. Never received anything from this company.

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 2018-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from Ad Adstra Recovery Services. Ad Adstra is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this XXXX acct. As result, Ad Adstra is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: MN

Complaint narrative:
My credit report indicates that Capital One Bank made a negative comment on my credit report which I can not see. It dropped my credit score by XXXX points from XX/XX/XXXX until now. I do not have any late payments with them on my credit card or house loan.

Company response to consumer: Closed with explanation