vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has placed a debt on my XXXX, XXXX, XXXX credit reports stating that I owed a debt of {$1800.00}. I have reached out to them several times requesting a copy of any documents providing bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting and also on my credit bureaus.. I have been maintaining a careful record of communication with you for the purpose of filing a complaint with the CFPB and the Attorney General 's office. I have repeatedly asked for evidence to support your reporting, but yet again you have failed to provide me a copy of any viable evidence. This incorrect reporting has had a tremendous impact on my credit and your lack of cooperation is unacceptable. Please remove the debt of {$1800.00} that does not belong to me off of all 3 of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: ProCollect, Inc.
State: TX

Complaint narrative:
Account turned over to XXXX with an incorrect amount ( initially the credit report showed {$1700.00} ) An adjustment made, but still incorrect amount ( shows {$910.00} ),  and management admitted charging rent on two different lease contracts, as admitted in an email on XX/XX/2018, yet they are still trying to charge a reletting fee ( {$990.00} ) which is illegal and still reporting an incorrect amount on my credit report without removing the illegal fee of {$990.00}.

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 2019-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I reported fraud and identity theft to all three major credit reporting agencies early 2007 and to all my banks I closed all accounts in my names as per documentation in 2007 at the XXXX. Also I called and spoke to capital 1 they were to close all accounts in my namesake to fraud. I recently received XXXX XXXX info that capital 1 did not do what they promised. On a fraud adding my name of XXXX XXXX XXXX XXXX XXXX account # XXXX there is a capital one deduction for {$2900.00} dollars and others I want capital one bank to produce all documents in all accounts in all my names with their company and XXXX/ and all Loans in all their affiliates business entities as foremost bank as per my previous complaint that was not addressed by foremost bank loans due to fraud. Capital one was supposed to have closed all my accounts. 
Make these documents available at your earliest convenience to me at XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: CA

Complaint narrative:
Fed Loan Servicing has been deceptive and unfair in managing my account. I have made diligent payments to my loans on the Income Based Repayment Plan for over 5 years -- I have never once missed a payment. I recently received notice that my income has surpassed the amount to qualify for reduced payments under the plan. I called in to ask questions about my options on XX/XX/XXXX and spoke with an agent named XXXX. She told me that I qualified for another program that would reduce my monthly payment and on the phone, led me through the screens to have my payments reduced. She did not explain to me what the consequences would be in terms of having my interest capitalized and also the differences between the IBR plan that I was currently on and the plan that I would be changed to. Instead of explaining the consequences, ( Namely, interest capitalization, my payments being determined by a larger portion of my " discretionary income '', the changes between the plans in terms of marriage and family size, and the change in the maximum standard payment under the different plans ), she had me click through screens without my knowledge of what was being done and in this process, committed an act of omission. I called in when I saw the interest capitalization and had then started doing more research. What I found was that the plan I had been on was a much more beneficial plan and even though I am currently over the income floor, I still would have a maximum payment that is much lower and I could in the future requalify if my family size or income changes. I spoke with multiple agents, supervisors and managers, ( I have names and numbers ), on XX/XX/XXXX and XXXX and requested that the action taken on my account on XX/XX/XXXX be reversed. This action was refused. I was not allowed an audio recording of the original phone call and the agents apologized but would not reinstate my previous plan, leaving me on a plan that is not in my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
Most recent calls from Radius Global Solutions were : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX. The numbers they are calling from XXXX and XXXX. Amount they are trying to collect is {$1400.00}. They call me while I am at work and I make sure I tell them that. In one call, they asked if I could make a post dated payment of {$50.00}. When I told them that I intended to make a payment and when, they questioned me my intentions in doing so. I had to block the numbers Radius is calling me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XXXX XXXX has reached out to the Collection Company of Diversified Consultants to collect a debt of {$140.00} that has already been paid to XXXX XXXX months ago after I closed out my account at a previous location. I can not understand why this company is stating that I owe this balance when I currently have service with them after I moved from the location that they are stating I left a debt of {$140.00}. It is highly unlikely that they would give me service at a new location if a previous bill has not been paid. You have damage my credit with this incorrect reporting on my bureaus ( XXXX, XXXX, XXXX ). I graciously ask you to delete this incorrect reporting from my all  bureaus. I make great efforts to keep my credit in order and to have something such as this reported on my bureau is unfair especially since you have extended me additional service. Please delete the amount of {$140.00} for all 3 credit bureau agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Hello, XXXX XXXX XXXX placed a collection on my credit report. When I contacted them on 3 different occasions requesting debt validation, they advised me that they were in fact a lawyer. The person who answered the phone took my name and email address stating she would have her manager contact me back about this debt. Not one time did they return my call or send information like I was advised. So I filed a complaint with all three credit Bureaus, providing them all of the evidence that I do not owe the debt. Then I filed a complaint with the BBB against XXXX XXXX XXXX since I could not get a reply. XXXX XXXX XXXX replied to the complaint stating this account is no longer with our company, please contact the XXXX XXXX XXXX  XXXX XXXX. I responded to their response saying I did not accept their response because I wanted to know why my account had been placed with someone else. They responded again stating basically the same thing, for me to contact XXXX XXXX XXXX XXXX XXXX. So they refuse to validate the debt, then also refuse to even give an explanation as to why it was sent to another attorney. They claimed to be a lawyer so why are they sending it to another attorney? During this time, XXXX sent me a letter stating that the account I was disputing was no longer on my account. So I had in fact won the dispute. My next step was contacting XXXX XXXX XXXX XXXX XXXX. I emailed them all of the proof on XX/XX/XXXX, showing them I do not owe this debt, then on the XXXX of XXXX National Credit Systems placed this back on my Credit again. Im still waiting to hear back from XXXX XXXX XXXX  XXXX XXXX, but they have not moved forward since I sent them the proof. There are many complaints of both of these companies online, and XXXX XXXX XXXX has actually been sued successfully for unethical practices. If this company no longer has my account then why are they continuing to place false information on my credit. Companies like this need to be stopped. I have Retained legal counsel and in the process of filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
Hi : I have two different new inquiries in my credit reports that I discover today thanks to XXXX XXXX. The first inquiry is from yesterday XX/XX/2019, identify as XXXX/XXXX in XXXX, Florida. The second one is from today XX/XX/2019 named Comenity Bank/XXXX &. The weirdest thing is that I am in traveling outside of the states and I have not even used my cards or gave my information to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 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: NC

Complaint narrative:
I reported fraud and identity theft to all three major credit reporting agencies early 2007 and to all my banks I closed all accounts in my names as per documentation in 2007 at the XXXX. Also I called and spoke to XXXX XXXX they were to close all accounts in my namesake to fraud. I recently received XXXX bank info that XXXX XXXX did not do what they promised. On a fraud adding my name of XXXX XXXX XXXX XXXX XXXX account # XXXX there is a XXXX XXXX deduction for {$2900.00} dollars and others I want XXXX XXXX XXXX to produce all documents in all accounts in all my names with their company and XXXX and all Loans in all their affiliates business entities as foremost bank as per my previous complaint that was not addressed by foremost bank loans due to fraud. XXXX XXXX was supposed to have closed all my accounts. 
Make these documents available at your earliest convenience to me at XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus

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 2019-09-08 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: Credit Associates of Maui, LTD
State: AZ

Complaint narrative:
XXXX collections agency shows account open with XXXX balance. This account was discharged in a bankruptcy. They have harassed me for years and continue to do so. They finally acknowledge my lawyer with the bankruptcy. Now they are keeping account on my record open and have not removed it from all credit reporting agencies, like the other reputable companies. I have filed multiple disputes with XXXX to no avail. They seem to let them do what ever they want. Please help me I am XXXX and they will not leave my credit alone. They have remover it, added back at lower amounts then they add more money, constantly change my credit report for the worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I recently tried recertifying my income based repayment through Navient. I submitted everything required for student loan.gov in XXXX well before the deadline of XX/XX/XXXX. I provided Navient a timely copy of my tax return around the same time. I initially called on XX/XX/19 and was after talking with Navient representatives that they had received my documentation and that a tax return was all that was required. I asked if my application was now renewed but each time they said that it took a few more business days to confirm my documentation. This was consistent with their website as each time Ive submitted it the confirmation message asks for at least 10 days for processing. Navient sent me an email confirming that they had my application on XX/XX/19. 

Navient does not have a method to confirm your income documentation and there is no confirmation method for any of this process on their website. I found this whole process fishy as I never got confirmation that my plan was renewed only that my application was received and I never got confirmation emails when I would resubmit the tax returns. 

Two days before the deadline of my income-based repayment recertification on XX/XX/XXXX I was told via a single email that Navient did not have any documentation and that my income-based repayment was expiring. This occurred just before a weekend and Navient is not contactable during weekends. I was not able to contact navient prior to the deadline two days later. 

The deadline has passed and Navient is now going to remove me from my income based repayment plan, my loans will be capitalizing, and I my payments are going from {$180.00} to around {$1700.00} next month. 

I simply want Navient to have accepted the multiple tax returns that I have sent over the last two months which were well within the deadline and get to stay in my income based repayment plan. This has been a consistent theme in working with Navient as this will be my third time having to submit to the CFPB regarding Navients attempts to keep me from an income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I added {$160.00} to my bluebird account and it was approved. That same evening I attempted to log in to my account and was unable to. I did attempt several times thinking I may have forgotten my password. I used the link on the log in page to reset my password however I did not receive a link. 
Saturday XX/XX/XXXX I again attempted to log in unsuccessful. I called the customer service number on the back of the card and the automated system said my account had been permanently closed and suspended and hung up without the option to speak with anyone. Immediately I received an email that my account had been permanently closed and suspended due to member agreement 22d which is using the card fraudulent..this is WRONG..I looked up multiple numbers to try to speak to an agent but everyone I spoke to transferred me to the automated system which would not connect me to an agent. 
Sunday XX/XX/XXXX I used my mother 's phone and made up a fake card number and got thru to a customer service rep named XXXX. He looked the account up and said it was locked and closed d/t violation of member agreement 22d..same thing as the email said. I asked to speak to someone who could tell me what was happening and he told me no one was authorized to give me that information. I need to write a letter to the address provided in the email. He would not give me any information and hung up. 
I will be mailing a letter to the address provided in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Hello, On XX/XX/2019 my XXXX XXXX credit card information was compromised and I was left with a fraudulent {$330.00} charge from XXXX on my account. I spoke with XXXX XXXX 's fraud team about the matter and they removed the charge from my account and issued me a new credit card. Today I received a letter in the mail from Transworld Systems Inc., a debt collection company. The letter claims that the fraudulent XXXX charge was never taken care of and that I now owe them {$380.00}. I am contacting you because I would like some assistance in settling this matter as quickly as possible before it affects my credit scorXXXX. I have physical proof from XXXX absolving me of any debt owed to XXXX or any related debt collection agencies. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
For 3 years I paid {$89.00} /year to accumulate points using a XXXX XXXX and Barclay 's Bank and Master Card account. 
They opened 2 accounts in my name and said I could not use any points from 3 trips each year to XXXX until I merged both accounts, which I tried over and over to do. 

I even paid the " one free checked bag per flight '' {$25.00} fee for {$150.00}. 

Lately, XXXX XXXX has said I never used their mileage card to purchase the 3 round trip tickets. 
I looked in boxes full of old paperwork, and looked. 

Then XXXX XXXX  sent me this mileage expiring trade offer! 
I think this PROVES I did use XXXX XXXX mileage card those 3 years and 3 trips to XXXX. 
XXXX, a financial institution lied, who would have thunk!?

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 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX the US Collections West client - XXXX XXXX after an onsite audit or their books entered into a Consent Order due to Trust Account Irregularities for the 3rd or 4th time in the last few years. On XX/XX/XXXX this account was sent to US Collections West by  XXXX. A collection trade line was put on my XXXX credit   report. US Collections West never sent me any initial letter informing me this matter had been placed with them and my rights to dispute the validity of the debt, nor did I ever get any phone calls from them. Even one call would have told me they had been assigned this matter.The way I discovered that XXXX had sent this matter to US Collections West was not until XXXX or XXXX of this year, XXXX, When I began to pull my credit reports because I kept getting denied for auto financing. 

When I first saw this collection record on my cbr and XXXX did I make the connection. It all became very clear when I went to the AZ Dept of Real Estate site and found the report by the auditors of XX/XX/XXXX and this was placed with US Collections West in XX/XX/XXXX. I dont recall seeing a collection record on my XXXX  or my XXXX   just XXXX.

Company response to consumer: Closed with non-monetary relief