vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I sent a request for debt VALIDATION not verification to LVNV Funding LLC regarding a debt they claim I owe them. In return they gave forwarded my request to a third party company Resurgent Capital Services who sent absolutely no validation not verification of any debt. I specifically asked for a signed document or supporting evidence that shows I am indeed the party they are seeking to pay this debt. Resurgent Capital Services only sent me a statement saying they manage the referenced account I inquired about and an amount owed. They are reporting delinquent information to the three major credit bureaus ( XXXX, XXXX, XXXX ) that I would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
My student loan Borrow use to be Sallie Mae then a few years ago Navient took over for them so my student loan got switched I attended the XXXX XXXX XXXX at XXXX. After I got divorced I struggled 2 make my payment while raising XXXX  children. My monthly payment was XXXX and I called to discuss this matter with them multiple times. I told them I am single Mom of XXXX  children who doesnt make alot of money that I receive no child support from my ex husband. Asked if my monthly payment couldnt be lowered to like $ XXXX- {$25.00} a month. As usual I got told that wasnt an option that {$50.00} was the lowest they could go for me. So as always I would get behind on my payment a few months would go by of me not being able 2 pay it and Id call back the representative on the phone would tell me my best and only option would be 2 do a forbearance for a few months but of course the interest would still add up. They would tell me2 try 2 save up some money in the meantime during my forbearance so I could start paying my payment when it became due. I had no idea that there ever was an option of an income driven repayment option or refinancing options until one day recently I came across the lawsuit filed again Navient and I got looking into it. I feel Ive been a victim of this situation for years and they have charged me alot in interest. Alls they ever offerrd me was 2 do forbearance they claimed that was my only option. Thank youfor your time it means alot 2 me.

Sincerely Yours XXXX XXXX aka on student loan papers as ( XXXX XXXX ) that was my married name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: National Credit Systems,Inc.
State: WA

Complaint narrative:
My credit report is continuously showing a balance owed to National Credit Systems that is steadily increasing. Original creditor was XXXX XXXX. I did live here in 2012. There were some serious issues with the apartment complex ( mold, my apartment was broken into and robbed, my car was broken into twice and a homemade bomb was placed on a car in front of our building that blew the car up ). The final straw was when my apartment was broken into and robbed, I then proceeded to get a hold of the manager of the leasing company, after multiple attempts, I was finally able to reach her to explain my situation and that I no longer felt comfortable in my own home with my XXXX  baby. She stated that I only had 2 months left of my lease so she would agree to let me out of my lease early as long as I was out by the end of that month, as my rent for that month had already been paid. I did as she asked and left the apartment clean before the end of the month, leaving my keys in their drop box. About 3 years later, I tried applying for an apartment complex in my local town who informed me XXXX XXXX reported I owed them $ XXXX- {$6000.00} for breaking my lease. I was never, not one time, contacted by them to have this settled from the beginning, by the time I was aware, it was too much for me to pay, as well as I felt like I wasnt responsible for this as the manager had verbally agreed I could leave with no problems. Now here we are over 6 years later and I can not find anyone to rent to me due to this and National Credit Systems is continuously increasing my balance, which I was informed is illegal. Once a debt is in collections, it should not accrue interest of any kind, is what I was told. My XXXX children and I are facing homelessness purely because of this issue. I currently work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with steady income and need housing by the end of February and this is making it extremely hard for me. I have been trying to get this dealt with for so long, on so many different occasions and have gotten no where! The balance is now up to over {$11000.00} and there is no way I can get this taken care of before XXXX, especially considering I shouldnt have owed any money to them in the first place. And, why is it steadily increasing?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NJ

Complaint narrative:
My future employment used a company by the name of Lexis Nexis to do a back ground Consume check and it came back with 2 Judgments and a bankruptcy. I've never filed for bankruptcy. There is a different 1 - Judgement - An XXXX XXXX. I don't owe nor did I apply for one.

2 - Judgement - New York State taxes. The person with these Judgments has my same name and it's clearly not me because the Social Security is a different.

There has been a delay with the hiring process.

Please help me. This is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On XX/XX/2019 - I negotiated with Portfolio Recovery Associate - XXXX XXXX a fair and reasonable agreed upon lump sum of {$500.00} to settle in full a {$690.00} debt that Portfolio Recovery Associates, LLC ( PRA ) claimed I owe. This lump sum payment of {$500.00} was in exchange for PRA to settle my account in full for less than the full balance of the debt PRA owns and to request the credit report agencies to delete PRA from my account with credit bureau report.

The settlement agreement between PRA - Ms. XXXX and I on XX/XX/XXXX with confirmation number XXXX was documented, accepted and paid in accordance with our agreement. On XX/XX/XXXX - I received and email from PRA stating that Customer Care Representative that I chatted with can not assist with payments or negotiations. The law states - It is illegal for collection agencies to lie, make false promises and negotiate in bad faith to trick consumers into paying an agreed upon lump sum by falsely claiming to settle a debt in full and it is required by law after accepting less than the balance owed as payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
on XX/XX/2018, i sent Equifax a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! The address that need to be removed are- XXXX XXXX XXXX   , XXXX XXXX , Va XXXX XXXX XXXX XXXX , XXXX XXXX Va XXXX  My name is XXXX XXXX the names to be removed are XXXX XXXX  and XXXX XXXX This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail . They have failed to update their database, and the entries should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have been paying Navient in upwards of 500 plus a month for several years now. I have called to discuss lower payments and they continue to give me a ridiculous offers of XXXX to XXXX dollars. They are criminals and need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
I received the documents pertaining to my first complaint with Consumer Financial Protection Bureau but XXXX failed to state that there would be an interest increase and ultimately a loan increase before they did the forbearance in their reply to the CFPB. Just like last year, I have the emails from XXXX where they stated a renew is needed but they did not provide the portals or state the necessary documents. I also have emailed that I sought a partner who I used to work with Doc Prep or Documents Benefits Center and they replied late. The renewal only covers next month up to a year without the previous months. During last year, XXXX has never gave me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am investigating a fraudulent account on my Equifax credit report the account is listed under XXXX XXXX Acct # XXXX Equifax has claimed they investigated this on my behalf and have come back that the account is verified and accurate. Today XX/XX/19 I spoke with the company using the number provided and was told that they do not have record of this account in their system at all. I want to know how did Equifax verify this debt if the company itself can not verify it cause it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: GA

Complaint narrative:
Summary : Equifax credit bureau has placed an extended fraud alert on my credit file without my knowledge or consent and has not listed my current phone number for creditors to contact me to verify my information. I am currently trying to apply for credit and have been advised that Equifax has an extended alert on my credit file. I was told that until Equifax removes alert or adds a phone number, my applications have been denied.

In XX/XX/XXXX, an Equifax representative told me that I have two credit files under my social security number which is why I have difficulty ordering Equifax reports online. The rep stated one file showed I had an existing mortgage loan. I confirmed that I did not have a mortgage loan, and I was transferred to Equifax fraud department. A rep in the fraud dept stated he only could see one file.

In XX/XX/XXXXand XX/XX/XXXX, I tried again ordering Equifax report online and was asked the same 4 questions about a mortgage loan and a department store card. I answered the questions accurately and again I was denied online report. I called Equifax again and complained, and was told that I only have one credit file. No one could tell me why I was unable to get report online.

On XX/XX/XXXX I applied for two credit cards online.On XX/XX/XXXX I tried getting Equifax report from Equifax website. I was asked the same questions regarding a mortgage loan. I was denied my Equifax report. On XX/XX/XXXX, I called Equifax and explained my situation again. The rep assured me I only had one credit file and he confirmed the same information I gave in XX/XX/XXXX.

On XX/XX/XXXX I was denied credit because Equifax has an extended fraud alert on my credit file and there is no listed phone number for a creditor to contact me to verify my identity. On XX/XX/XXXX, I contacted Equifax 3 times. The first call at XXXXEST, the rep verified my identity and assured me that my credit file was open and there was no active fraud alert. I called the credit card companies back and spoke with their fraud dept. I was told again that Equifax was the only credit bureau that had the extended alert and because they have no phone number listed my application could not be processed. At XXXX   EST, I called Equifax back and asked for a supervisor, I was transferred to a automated voicemail that asked me to enter my password. At XXXX, I called Equifax back, I spoke with a supervisor that asked me questions I did not understand. I felt like she was giving me " the run around ''. I told the supervisor that this made no sense. An unauthorized alert was placed on my account which is causing me grief. I verified my phone number with every Equifax rep I have spoken with in XX/XX/XXXXand XX/XX/XXXX, yet no phone number was added to the unauthorized alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2019 amount of {$35.00} was paid to a said " XXXX XXXX '' on PayPal and I never authorized those payments. Someone else acted on my account and now I have been stolen from

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2019 - I negotiated with XXXX XXXX   Associate - XXXX XXXX a fair and reasonable agreed upon lump sum of {$500.00} to settle in full a {$690.00} debt that XXXX XXXX XXXX, XXXX ( XXXX ) claimed I owe. This lump sum payment of {$500.00} was in exchange for XXXX to settle my account in full for less than the full balance of the debt XXXX owns and to request the credit report agencies to delete XXXX from my account with credit bureau report. 

The settlement agreement between XXXX - XXXX XXXX and I on XX/XX/XXXX with confirmation number XXXX was documented, accepted and paid in accordance with our agreement. On XX/XX/XXXX - I received and email from XXXX stating that Customer Care Representative that I chatted with can not assist with payments or negotiations. The law states - It is illegal for collection agencies to lie, make false promises and negotiate in bad faith to trick consumers into paying an agreed upon lump sum by falsely claiming to settle a debt in full and it is required by law after accepting less than the balance owed as payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Dear, Im XXXX  years XXXX, i had wireless services 5 phones with XXXX, due to bad ( no reception at home ) reception and filing complaints with FCC, i had to terminate my services with XXXX, on XX/XX/XXXX i got a call from Mr XXXX  ( Sunrise collection ) that i owed XXXX  {$1800.00} i told no i only owe only {$1400.00} because it was promotion XXXX   had buy one and get one free and on XX/XX/XXXX two days prior to my termination if I pay the remaining balance on buy one get one {$370.00} ( copy of XXXX XXXX ) i will only owe {$1400.00} so XXXX  asked to pay ( $ XXXX+ {$7.00} ) {$1400.00} and write Dispute letter disputing {$370.00} my account shows paid in full, I paid {$1400.00} and emailed my dispute email to XXXX on XX/XX/XXXX and kept my agreement with sunrise collection and they must keep theirs and ask XXXX XXXX XXXX to credit {$370.00} if not please return my {$1400.00} and i will take my chances with small claim for full of {$4300.00} that XXXX XXXX XXXX didnt provide services and I will file complaints with CFPB against Sunrise credits service for using Bait and Switch technique to take my payment and not delivering their obligation.on XX/XX/XXXX I called sunrise collection I was ask to file dispute again with copy of my statement to show {$370.00} and we settled the account Attached is the receipt It shows that on XX/XX/XXXX two days prior to cancel my services with XXXX XXXX XXXX i was asked by XXXX XXXX XXXX representatives if I pay {$370.00} I will get other phone free according to promotions on XX/XX/XXXX by one get second free and I did.

On XX/XX/XXXX got call from XXXX ( Collections agency ) that I owe XXXX XXXX XXXX  {$370.00}, I did explained the situations but they asked to call sunrise collections agency and to remove {$370.00} so I did but dont rememberd any email nor disputed email, this is unethical and fraudulent we had an agreement i didnt have to pay {$1400.00} because XXXX  will agrees if not i will go to small claim and settle my dispute instead of pay collection agency.

Attached are four photocopies the last two are the emails I sent to sunrise collections on XX/XX/XXXX and 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 2019-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
On XXXX of 2018 I contacted challenge financial company and told them I was out of work and was not able to pay the auto loan they told me theyll give me another month, so that month passed and I was unable to make the payment and till this day I havent been able to get work so today on XX/XX/XXXX after challenge financial calling my fiance with my number somehow and them calling me with my former works number somehow they hacked or did something for me to receive calls from my works number and they called threw this months my uncles and aunts and told them all about the debt and to left a message threw them for me, there was a rep that went on XXXX to my moms house and traspass her private property to look for me I dont live in that house anymore and my uncle went up to him and the rep told my uncle I would get arrested if I dont pay the car to pass on the message and today I call them to try to see if we can arrange something due to me not being able to find work and I till the lady I wont be able to pay the amount and tell her Im waiting for my work permit since I havent work since XXXX she goes ahead and harassed me and tells me shes gon na sue me even tho Im not anywhere close to where my moms house is that I wont get my permit because of it she threaten me that I wont get it because of a lawsuit she was harassing me because of my XXXX  status and didnt let me talk trying to make a deal with her

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: Conn's, Inc.
State: TX

Complaint narrative:
I sent a letter to Conn Credit Corp requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: AZ

Complaint narrative:
The information reported in the National Student Loan Data System is still reporting three defaulted loans which have been consolidated in XX/XX/2017. These three defaulted loans are being counted toward my aggregated loan limits in addition to the consolidation loans, the amount of these loans are counted twice toward my loan limits.

I have highlighted in Red on the attached nslds Report information that should be removed and deducted from totals scince the consolidation.

I have highlighted in Yellow the corresponding consolidation loan information.

Company response to consumer: Closed with explanation