vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I consolidated all my Federal Student Loans with XXXX XXXX as my servicer in XX/XX/XXXX but Navient/XXXX  started billing me for the reference loan. I have been writing them disputing the loan and telling them it was included with all my loans in XX/XX/XXXX. They also have been reporting this loan on my credit bureaus, XXXX  and XXXX. They also have it reported as a defaulted loan. I filed Bankruptcy in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and each time I listed this loan. 
I wrote Federal Student Aid and the Ombudsman Group to assist with resolution. Ombudsman has been working to solve the error made but XXXX but it is still on my credit reports and listed as a defaulted loan. This is the information who is helping with this issue for months. 
FSA Ombudsman Group Case # XXXX Inference : Federal Student Aid Federal Family Education Stafford Subsidize XXXX XXXX XXXX XXXXt phone # XXXX XXXX XXXX Please assist with XXXX  fraudulent information being reported to credit agencies and they are trying to collect monies from me that I do not owe them. 

This is what XXXX is reporting to credit agencies that is incorrect information because I have included this loan into XX/XX/XXXX consolidation and filed it in all my Bankruptcy Cases. 
XXXX : opened XX/XX/XXXX Original Creditor : Navient XXXX XXXX XXXX DBTCA ELT High Balance : {$2100.00} Thank you for your attention in this matter. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used Pay Pal to purchase items which I later returned. The amount was {$73000.00}. Pay Pal only processed {$150.00} to my credit card, keeping the rest, {$580.00} in Pay Pal. I received no email, phone call, or contact explaining any problem. Only when I tracked my account did I discover that Pay Pal kept my money. I called and emailed them multiple times. The email responses were robotic responses that had nothing to do with my issue. When I phoned them, they initially kept me on hold for 20 minutes and then and they kept me talking with a female " XXXX '' and her supervisor " XXXX '' and on further holds for 55 minutes while they continuously refused to refund my money, insisted that I give them my bank account and debit card numbers and codes, and blamed my XXXX card for why they did not return the entire amount. I contacted my XXXX card and they denied any obstruction to receiving refund money. Pay Pal still has my money. They say I can request a check which could be issued in 3 weeks. This is entirely wrong and represents extortion for my bank account numbers. In this era of people 's privacy being voilated, identity and cyber theft, I am concerned that Pay Pal is putting me at risk and holding my refund money hostage, hoping I 'm stupid enough to give them access to my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Westlake Financial is charging me more than 17.99 % on a used car loan. The interest rate of 17.99 % is already to much that they charge daily. My note is XXXX a month that started last XXXX. I started by paying XXXX a month to pay it off quickly but starting the first payment they took nearly 300 in  interest, and it increased. I stopped paying that amount and started paying less and they took more of that for interest. It 's to high of interest vs. Legal limit in my state of Louisiana and their 's in California. I  have paid a total of just over 4010.00 on a XXXX loan and my off as of today is XXXX. That is more than unfair. It is usury, not to mention pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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.

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Report No : XXXX Unique Transaction ID : XXXX Report Created : XX/XX/XXXX I have received my latest credit report ( attached ) from the above company and I found my account information incorrect. My XXXX Personal Loan Account No. XXXX is closed in XX/XX/XXXX. The closure letter is also attached. But till date in my credit report the same account is showing open with an outstanding amount. That is effecting my credit score. I have already reported the same to Experian and received a Reference No. XXXX on XX/XX/XXXX. But not yet received any resolution to the same. 
Also for the other accounts listed in credit report, the current balance part is not updated. 
The whole thing shows a wrong picture about me to the banks and is not good for my financial aspect.

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 2017-12-22 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: TX

Complaint narrative:
XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.

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 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
ALDOUS thats a company constantly calling they said I have to pay the amount of XXXX dollars because I owned to a gym which I dont remember the name but when I ask them about my information to confirm its me they deny to answer my questions I dont know why they call me I havent been involved in a gym for years besides that they report to credit institution and is affecting in my credit I would like to solve this problem as soon is posible thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.

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 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I complaint is regarding this collection agency that is reporting a collection account on my credit report of a fraudulent balance. If they are going to purchase debt then they should be sure that is valid debt. I received a notice from this debt collection agency starting around XXXX regarding an owed balance. When contacting the agency regarding the discrepancy of balance, I was pretty much advised that I would need to establish a payment plan in order for contact to the original debtor to validate the debt could be done. I declined as I did not owe the reported balance. Validation of debt was being requested as the original debtor sent me a letter to advise of security deposit withheld and other fees. I responded back as Florida landlord 's must attempt to minimize their damages in which this company did minimize damages as they collected rent om my old unit from new tenants for XXXX XXXX. The management company / lawyer sent me an adjusted balance as the current balance being reported included a rent fee for XXXX XXXX and I was no longer responsible as management can not collect double rent on the same unit for the same month. I have disputed this balance with original debtor who advised that my debt no longer belongs to them and they refer me to the collection agency. I have disputed the balance with credit bureau to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
Optimum Outcome XXXX robot calls cell phone frequently. The message does not state the business they are collecting debt for or how to submit a payment. 

FDCPA AND TCPA ACTS guidelines state debt collectors to must identify business debt is owed to, amount of debt, how to pay debt. 

A business was owed debt and my account was credited in XXXX. The business stopped the harassing letters in the mail but Optimum Outcome keeps calling cell phone frequently. 

The business who has credited my account has been contacted VIA many EMAILS to stop Optimum Outcome robot phone calls to my cell phone number. 

Record all calls from XXXX on cell phone for records so legal action against Optimum Outcome is an option. 

Optimum Outcome does not provide an address of their place of business. I am sending a cease and desist all calls to my cell phone letter to this address which was online. 

Optimum Outcomes , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
American Credit Acceptance loan number XXXX has cheated and committed fraud in the way they handled my car financing. I did a voluntary surrender of vehicle XXXX XXXX XXXX financed by them at {$7000.00} at 24 per cent interest rate. I paid {$2000.00} cash down payment. 

XXXX XXXX XXXX received the car back on XXXX XXXX, XXXX. The sold the car at an Auction for {$2000.00} selling the car for less the XXXX XXXX XXXX XXXX XXXX of {$6000.00}. Now they state I owe them an additional {$5000.00}. 

American Credit Acceptance stated they were going to give me a credit of {$1000.00} because the used car dealer XXXX XXXX XXXX tried to overcharge me for the car in the beginning of the transaction. 

I never received the {$1000.00} credit American Credit Acceptance stated was coming off the price of the car. 

American Credit Acceptance has Committed Criminal Fraud in the way they have handled my Loan. 

They are trying to make Double what the car was actually worth. I Lost {$2000.00}, I lost the car, and my Credit ScorXXXX went from XXXX down to XXXX. American Credit Acceptance should not be in business. 

I want an Investigation into the way they Handled My Loan and Also I want them Deleted Off My Credit Report. 

Waiting for your reply. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: NY

Complaint narrative:
Address shown is not mine nor was it ever, I have requested this be removed but it still appears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Both Exeter Finance and XXXX XXXX XXXX, pursued a judgement against me in XXXX XXXX, XXXX, The judgement was n't granted due to : No payment was made from me since XXXX and I acknowledge this in court and the statute of limitations ran out for both companies to pursue a judgement. On my credit report it was dated that Exeter were remove its account in XXXX XXXX, because the 6-7 year reporting time were expired, so far both companies have reported illegally that I 've made payments since XXXX & XXXX, this is n't true and I would like both accounts removed off my credit immediately. Or, I 'm suing them and the credit bureau for consisted inaccuracies, out dated information. I also have documentation from the judge. Thank you, Please Help Me Put An End To This

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hi this incident was happen when I was trying to wiring money from my checking account from Bank Of America to the closing attorney office amount of {$8000.00} for closing on a property. 
After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in a bout five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the Bank of America to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in XXXX XXXX XXXX at address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX us and this was not the account we expected our money going into and I called to report the fraud on that wiring to the Bank of America at XXXX and they were able to stopped transection and had the the case # XXXX on this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more then 48 hours went back to the bank of America to let them know I still did not have the refund from that wiring and bank of america told me that XXXX needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : XXXX ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than tree weeks later and I have been going back and forth between Bank of America and XXXX and I have been calling XXXX XXXX ( BOA ) and XXXX XXXX ( XXXX ) and I got no help and they told me they can not even talk me direct on this mater and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. 
thanks

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 2017-12-22 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: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
Ive tried several of times to reach out to this company in regards to this inaccurate item being reported to my credit and its causing great damage, emotional stress and financial stress. This item was taken care of with the original creditor by my insurance company, and for whatever reason it was sold to this third party collection agency, when I called to inquire about this item, the agent I spoke with was very rude, and violated my rights as a consumer by not verifying my information nor stating the mini XXXX. At this point I am reaching out to an attorney to file a lawsuit against this company for the damages theyve done to my credit. If we cant work this out outside of court I will be pursuing further.

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 2017-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
In XXXX I called this company to find out what was the debt on these three accounts. One was {$770.00}, {$2500.00}, and {$2400.00}. XXXX XXXX I paid two of the accounts and explained to them that one of the accounts I did n't have. I paid the {$770.00} and XXXX. The agreement was to pay the accounts and they would be removed. In XXXX I called Portfolio Recovery Associates, LLC to inform them that the accounts still were showing on my credit report. About two days later I received a letter on one of the account saying they were deleting one of the accounts. I waited two more months and went to apply for a home loan and found out all the accounts were still showing. I 'm in the process of trying to get a home for my XXXX XXXX sons and due to their condition we have to have a lot of modification to the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Debt Holdings, LLC
State: IN

Complaint narrative:
THE XXXX SOLD MY ZOMBIE DEBT TO UNITED DEBT HOLDING, LLC AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXXXXXXXXXX )

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 2017-12-22 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: AL

Complaint narrative:
Equifax is refusing to removed a fraudulent account even after I have provided them with an identity theft report dated back to the year of 2016 when said account was first opened and when I first acknowledged that the account was appearing on my credit report. I have also attached a copy of the FCRA Section 605B that states ( a ) Block. Except as otherwise provided in this section l, a consumer reporting agency shall block the reporting information in the file of a consumer that the CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer THEY ARE VIOLATION AND HAS STRIPED ME OF MY RIGHTS AND SHOULD BE FINED! I have been working with my attorney to sue for {$160.00} for being in violation of this section of the FCRA and keep INACCURATE information on my credit report that they in NO WAY SHAPE OR FORM VERIFIED IS MINE. NO VIDEO TAPE NO SIGNATURE OF DOCUMENTS SIGNED BY SAID RELATIVE of mines

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello, Im trying to link XXXX to my XXXX XXXX credit card, but XXXX is blocking me from enabling external applications, could you please look in to this issue and help me fix or solve it? 

Thank You, XXXX XXXX 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 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is not mine. Possibly fraudulent account I have disputed this debt which was never validated as per the guidelines of the FCRA and FDCPA. This account should not be reported until credible information is obtained such as a contract bearing my signature assuming debt, a itemized copy of the bill reflecting how the balance was calculated, and confirmation that this collection agency has bought the debt or was assigned the debt and have a legal right to collect it from me under my jurisdiction and statutory rights. Please help me resolve this matter quickly and efficiently before any further damages are obtained.

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 2017-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
XXXX XXXX SOLD MY ZOMBIE DEBT TO XXXX XXXX XXXX, XXXX AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXX )

Company response to consumer: Closed with explanation