vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Infiniti Financial Services has reported many inaccurate statements of late payments and early lease termination on several accounts with them. These include Account numbers  XXXX  and  XXXX . I have not been late. Regarding account  XXXX , I was in dispute with them direct because they did not validate vehicle insurance when I leased my new vehicle from them in   XX/2016 . The  lease is therefore void and not valid. Also, they reported I was late in   XX/XX/XXXX  whe n we were in dispute and they said they would not. They never returned any of my phone calls.     They have reported on several other accounts with them. Stating falsely that I terminated lease early when I purchased a new lease from  XXXX   XXXX  in  XXXX  from  Infiniti Finance. I w as never told they would report lease terminated early.     They promised to remove all negative account information because I have not been late and I have not terminated any lease early.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I used to have my cell phone service with  XXXX . I closed my account and disputed the final charges. The account was sold two two different collection agencies by  XXXX . First it was   XXXX   XXXX   and then to Convegent Outsourcing. I worked out a settlement offer with Convergent in Early  XXXX , had them debit the monies from my checking account. I then received a letter from them confirming that my debt was settled in full. 15 months later the same collections agency comes back with a new account number and new charges and says I owe more money on the same debt. (   XXXX   XXXX   ) this company claims I owe a debt that is already been satisfied. It 's not valid. It 's also been added back to my  XXXX  credit reports. No one will listen to me. It should be removed.

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 2017-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX   XXXX   XXXX  had a no interest money back guarantee  with Wells Fargo. T he guarantee was if the  XXXX   XXXX  and product did not work properly then return the   XXXX    XXXX  for full refund. I returned the  XXXX   XXXX  because I was told by  XXXX  that my   XXXX   XXXX   were too small and could not work properly.  XXXX  agreed that the   guarantee was not met and thus they would take care of debt with Wells Fargo.
That is the last I heard of it. I do not owe Wells Fargo an  y money for   XXXX   XXXX    XXXX  in  2014 .     Further, they have and continue to violate  my HIPAA and PHI rights by communicating information protected under HIPAA to many third parties that have not right to any of my protected Medical Information. They have communicated this HIPAA vio lation while I have been on the phone and they are communicating to a third party without my authorization.      XXXX  also continues to communicate with third p a  rties and violate my HIPAA rights. Now we have our attorney working to correct and protect my PHI and HIPAA rights.

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 2017-05-30 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: DISCOVER BANK
State: WY

Complaint narrative:
A t  XX/XX/XXXX , I  traveled with my friend from  XXXX  to  XXXX . My friend  is at North Dakota, I picked  him up  at North Dakota, then  we went to  XXXX . My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The seco nd day I rece ived alert information form   XXXX   and DISCOVER, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from  Discover, that showed me they will close my account, give me 2 reasons. But those reasons are not mine, every time, I paid my bill on time, and whole bill not partly bill. I never get this   situation.Still now I have  XXXX  benefits for my  Discover, they did not return that to me.I think that is very unfair to me to close my account by Discover. Please, check it. I promise every words are truth.I have case number by police office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: United Revenue Corporation
State: TX

Complaint narrative:
I do not know dates and have never heard of  United Revenue Corp. This is Fraud a nd is not my debt. They have  XXXX  accounts that report on my credit as medical. They are not mine. They also have and continue to violate  my HIPAA and PHI rights by  communicating HIPAA/PHI protected information to third parties without my consent.     Direct Violation of all HIPAA rights and laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I closed my account with  XXXX  back in  XXXX   2015 but  for some unknown reason, they are pulling my cred it 2015 until  now. I tried to dispute with Equifax but I was told that I can not dispute it since it is the account I had it before. I called  XXXX  but they told me to speak with Equifax. I am suspecting that somebody is using my name to obtain a credit card or something is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I opene d a Barclays Aviator Red MasterCard o n  XXXX   XXXX ,    2017. Ba  rclays cla imed that I would be able to upgrade  my Aviator Red MasterCard to an Aviator Silver MasterCard 90 days  after opening the card.     I calle d Barclays o n  XXXX   XXXX ,  2017 and  was told that the card was n't 90 days old y et ( even  though it wa s ) so  I needed to call back after my  XXXX  statement closed for the system to reflect the age of the card. I thought this was odd, but called back tonight and the person I talked to and their supervisor said that the card ca n't be upgraded and that offer is n't available.     Basically Barclays lied. I 'd like the card upgraded to  a Silver MasterCard, o r I 'd like the account closed and the inquiry removed from my credit report for this false advertising from Barclaycard!

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 2017-05-30 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: ProCollect, Inc.
State: IN

Complaint narrative:
Fraudulent debt collection practices  : PROCOLLECT IN  C  XX/XX/XXXX  to present  XX/XX/XXXX .      I previously filed a dispute and never received notice of outcome or request for further information with  XXXX  in  2016  once I received a letter from the aforementioned collection company informing me I owed them money on behalf of  XXXX   XXXX  in  XXXX   XXXX , IN  XXXX  ( I believe they are now run  by    XXXX    a Real Estate Company ). Th ey have changed companies many times since I lived their and were undergoing foreclosure/bankruptcy when I moved out after my lease was up.     The letter I received from PROCOLLECT stated I owed in excess of  1400.00 for  damages made to an apartment I hadnt lived in for months. I was NEVER contacted by the actual apartment complex or manager  XXXX   XXXX   ( who  I had many issues with over the course of my tenancy ). I immediately contacted the apartment complex, left messages and emailed asking to speak to the actual management company and not  XXXX   XXXX . The only call I got was from her and she refused to give me the number to contact anyone but herself ( we had some very real issues when she accepted my dog and falsified his breed on paperwork to get my deposit money and then subsequently told me he was not allowed to stay there due to his breed and I couldnt renew my lease, this was also after my neighbors dog attacked mine and he threatened me which resulted in his arrest and the removal of his dog ). That caused  XXXX   XXXX  some issues when trying to explain why she accepted my dog because of his breed. So at this point she was trying to cover herself and upset with me because I filed a report. The letter from collections stated I owe monies for damages to the apartment. I asked for proof of damages, pictures a signed copy of the move in and /move out walkthrough that they never showed up to complete upon either. I also again was never contacted by them in an attempt to collect any monies even though they had my address and phone number. They also did not list the  XXXX  pet deposit with my  XXXX  security deposit I paid. On the invoice I received from collections it wasnt listed as being deducted from the alleged damages. Neither company can provide any documentation to support these charges. I will also be filing a complaint with the better business bureau and contacting the newest management company in regard to this matter and detailing my interactions with  XXXX   XXXX . The only reason this ever went to collections is because I was never notified for a reason. Neither of these companies have any proof of debt other than  XXXX   XXXX  falsified invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed by CAPITALONE AUTO FINANCE  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with capitalone auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was financed by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original loan of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX , Experian,  XXXX . Unfortunately i 've tried to resolve the issue with   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 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed  by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX , Transition. Unfortunately i 've tried to resolve the issue with   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 2017-05-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was   financed   by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau Equifax,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered a tax lien in t he State of M aryland which was not correct.     I had not lived in nor worked in the State of Maryland in  XXXX   ( y ear in question ) however, due to my   XXXX   XXXX   XXXX    XXXX  I used my sisters address as a return address on my federal tax returns to insure I would not miss any mail.     Maryland thought I was in MD and pursued taxes owed.     In  XXXX  I discovered the lien and started to investigate. After multiple phone calls I was able to speak to a supervisor who understood my dilemma. She realized the lien was not valid and on behlf of the State of Maryland filed a Notice  of Lien Withdrawal  on  XXXX   XXXX ,  XXXX  noting the lien was withdrawn and vacated and sent a copy the credit reporting agencies and to me.     On  XXXX   XXXX ,  XXXX  I sent TransUnion proof of the liens updated status requesting removal  by US M ail.     On  XXXX   XXXX ,  XXXX , I disputed online through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX  I mailed copy of lien withdrawal to Transunion by certified mail return receipt requested  (   XXXX   XXXX   XXXX   XXXX   XXXX  ) delivered  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX  I spoke with a TransUnion customer service agent to check status of my request for investigation. I was told that investigation was incomplete.      XXXX   XXXX ,  XXXX  TransUnion reported investigation completed and that tax lien was valid and would not be removed from my credit report.     I made no payments to th e State o f Maryland as this was a lien filed in error. I sent information b y US m ail and confirmed documents had been received.     TransUnion is obligated to investigate and remove erroneous information. This was not a paid tax lien this was a tax lien that never should have been filed. The  State o f Maryland recognized the error and filed a motion to vacate and withdraw while TransUnion has failed to properly investigate and report the error.

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 2017-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington 's ATM was down in  XXXX   XXXX  Ohio. Due to this I had to use another bank 's atm. I was charged a huge atm fee of  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
SEE CFPB COMPLAINT :  XXXX . Once again, Bank of America,  XXXX ,  XXXX , etc are contriving false information. They ignore the real complaint filed and are attempting to reply to another property while ignoring MANDATORY responses.

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 2017-05-30 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: GA

Complaint narrative:
I discovered a tax lien in t he State of  Maryland which was not correct.     I had not lived in nor worked in the State of Maryland in   XX/XX/XXXX  (   y ear in question ) however, due to my   XXXX   XXXX   XXXX    XXXX  I used my sisters address as a return address on my federal tax returns to insure I would not miss any mail.     Maryland thought I was in MD and pursued taxes owed.     In   XX/XX/XXXX  I d iscovered the lien and started to investigate. After multiple phone calls I was able to speak to a supervisor who understood my dilemma. She realized the lien was not valid and on behlf of the State of Maryland filed a Notice  of Lien Withdrawal on    XX/XX/XXXX   noting the lien was withdrawn and vacated and sent a copy the credit reporting agencies and to me.     On   XX/XX/XXXX  I sent   XXXX  proof of the liens updated status requesting removal by US Mail.     On   XX/XX/XXXX , I disput ed online through  XXXX   XXXX .     On   XX/XX/XXXX  I  mailed copy of lien withdrawal to  XXXX  by certified mail return receipt requeste d (   XXXX   XXXX   XXXX   XXXX   XXXX  ) delivered   XX/XX/XXXX .      On    XX/XX/XXXX   I  spoke with a  XXXX  customer service agent to check status of my request for investigation. I was told that investigation was incomplete.       XX/XX/XXXX    XXXX  reported investigation completed and that tax lien was valid and would not be removed from my credit report.     I made no payments to th e State of Maryl and as this was a lien filed in error. I sent information by US mail and confirmed documents had been received.      XXXX  is obligated to investigate and remove erroneous information. This was not a paid tax lien this was a tax lien that never should have been filed. The State of Maryland recognized the error and filed a motion to vacate and withdraw while  XXXX  has failed to properly investigate and report the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
On or about  XXXX  I ended closed my account  XXXX . At this time there was a balance due of under  (  {$500.00}. ) which I was told I would be billed for. I paid this bill on our about  XXXX   XXXX . Several month later the account was sent to  XXXX  collection agencies and this is now th e 4th t ime I have addressed this issue and the 2nd time wit h Enhance Recovery Corp. Th is account was previously removed on all three times from my credit report. I have supplied the documentation and proof of payment each time the last being in   XXXX  . I am prepared to file a harassment law suit for violation of FDCPA against  XXXX  and ERC if the account is not immediately removed from my credit report. The harassing phone calls that have begun have impeded on my work. I thought this matter was resolved in   XXXX   and I no longer have my documentation but ERC should because it was sent directly to them.   The  XXXX  other collection agencies ceased all efforts after having been supplied the information and it appears that  XXXX  just keeps reassigning this PAID account to different collection agencies or ERC is attempting once again to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Negative derogatory marks has been placed on my credit file from a collection agency and is now damaging my credit ... i have no ownership of such debt ...

Company response to consumer: Closed with explanation