vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 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: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him.

After a few months he left the apartment and defaulted on the lease.

Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month.

I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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:
My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. 
After a few months he left the apartment and defaulted on the lease. 
Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month. 
I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO

Complaint narrative:
XXXX told me to recertify every year for Public Service Loan Forgiveness. This year I mailed the required documents to XXXX as well as XXXX XXXX as required. However, XXXX claims to have not received the documents and ultimately turned my account over to Default Resolutions. I have since refinanced those loans with XXXX XXXX. But, by refinancing, at the mistakes of XXXX, my loan forgiveness started over. I have lost 3 years toward my loan forgiveness due to XXXX 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Capital Accounts called me to attempt to collect a debt ( medical ) in the amount of {$930.00} on Friday, XX/XX/2018.I explained to the debt collector that I will speak to the creditor directly, because I have enough evidence to support my case to ensure I do not owe this amount. Furthermore, she should cease/ stop calling me because she should contact who she purchased this account from. I would be disputing this matter immediately with their office. She decided to follow up with an email which i disregarded and spoke directly with the Creditor and scheduled an appointment. Today, XX/XX/2018 I receive another call from Capital Accounts from the same individual who says she will not honor my cease communication request because it wasn't done in writing. Additionally, with a very condescending tone she asked why hasn't the creditor ( Capital Account 's Client ) hasn't reached out to them. I told her I would not know and I wanted her to stop calling me immediately. I feel that this company is not following FDCPA regulations and is not investigating debt matters the way other debt collection agency/firms tend to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
After going on maturnity leave on XX/XX/18 I fell behind in payments due to no income. Responded to navients offer of forbarance on my loans both private and fedral XX/XX/18 by calling the number they provided was told that all my loans were in forbarance until XX/XX/18 they also at that time cancled my auto ach withdrawal that I had set up for all my loans. I was told all past due amount were taken care of with the forbarance and while I could still make payments I was not required to. I then started to receive collection calls and payment emails starting XX/XX/18 for my private loan that at first it was a scam so called the same number only to find out they had not put my privet loan on forbarance as I was told but had cancled the auto ach payment I had set up and had it reported as 120 days past due and no record of me calling and demanded I pay it in full with no other options even though my federal loans on my account were in forbarance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Dear, CFPB I have a pending foreclosure issue. After dealing with numerous hardships with regards to the residence, I have been trying to rectify the default issue with XXXX XXXX XXXX to no avail. Bank-servicers have been changed a couple of times and I feel its a ruse not to assist me, instead foreclose ; against the DODD FRANK GUIDELINES. l started working with XXXX XXXX XXXX XXXX, Manager XXXX XXXX, to rectify the default, after numerous conversations back and forth, XXXX XXXX agreed, stated, " I have direct contact with loan investors '' attempt to lower the ( reinstatement-amount ) to a workable figure so l could retain my home and stop the foreclosure procedures. Unscrupulously lending practices, l was suddenly switched to another loan servicer, SELECT PORTFOLIO SERVICING, inc. and instructed to deal with Manager, XXXX XXXX. After numerous telephone calls to SPS, l finally reached Ms. XXXX due to the fact, she has no answering inbox service which is unprofessional and a time of the essence issue. Ms.XXXX, in sum in substance, stated she isn't aware of any agreement, l previously made and it is not documented in file anywhere, she isn't honoring any agreement, nor does she have direct contact with home investor! submit my paperwork for modification if l wanted to, because there isn't a court date yet! l then asked to speak with a person of authority, her Manager, she stated that I could not and hang-up! XX/XX/2018, XXXX, I received a telephone call without a message an ( hang-up ) XXXX ( XXXX ) XXXX ( UNPROFESSIONAL ) I also submitted a Debt Validation letter requiring them to furnish a break-down of list of fees charged and listed and l never received it, XXXX XXXX XXXX, had errors regarding fees they where listing in their documents, l feel this is why they negotiated with me to restate the mortgage to a normal workable amount, little did l know what was planned to transfer to another servicer ; at the ninth hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I received a phone call from someone stating they were from the Action Collection Agency of XXXX. They claimed that I owed {$2300.00} in unpaid medical bills dating back to XX/XX/XXXX. I had no knowledge of any such debt and asked for a written, itemized statement. The agency refused, stating I had already been sent such a statement. I had never received anything from this company prior to this conversation. The agency then claimed most of these various bills were from XXXX XXXX of XXXX. I then contacted that company. They had no record of any past due balance on my account. Furthermore they stated that they had never heard of this collection agency. The agency also claimed I had a past due amount at XXXX XXXX Hospital in XXXX. I have not been to this hospital for any reason in several years and have received no notification of any past due amount from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank is refusing to allow me to reduce the balance on my existing credit card account using the {$12.00} check they were required to send me per their agreement with your protection bureau as is stated in the accompanying letter. I would like for them to either honor the wording of the letter or reword it to say I must either deposit or cash the check at my bank, but not transfer the funds from one of their accounts to another of their accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with Equifax I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XX/XX/XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XX/XX/XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
I got a call from a XXXX number under XXXX XXXX that keeps calling me. They told me I have over {$3000.00} in debt outstanding with XXXX XXXX XXXX and asked about my address somewhere in Texas. Ive never lived at this address and the other phone numbers she mentioned to me were not correct or part of my family plan. I also have no debt with XXXX XXXX XXXX, as confirmed by the company. This company asked for the last 4 of my SSN and they are clearly falsely collecting this information and willfully deceiving people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
Springleaf changed it's name to OneMain that's when all the problems started. I have my payments/ {$80.00} automatically debit at the beginning of the month. OneMain is reporting late payments for  XX/XX/XXXX and XX/XX/2018 which is incorrect, since I have my payments automatically debited. I've contacted OneMain several times regarding the late payments that's being reported on my credit reports.The customer service representatives are not very customer friendly. Can someone help the consumer please. Also if you google Springleaf/One Main complaints you can view hundreds of complaints of UNsatisfied customers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: CA

Complaint narrative:
I have come to the realization that even though I am a tax-paying consumer in the United States of America, my rights under the FCRA and the Constitution are constantly being pushed aside for profit. I have submitted disputes to the 3 major credit bureaus ( XXXX, Equifax, XXXX ), as well as the secondary companies XXXX  and others. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. This does not include that these companies use XXXX, or defer to XXXX or PACER as a primary means of verification. But time after time, I am given the same answers, and it is not accurate. XXXX actually posted inaccurate information on this very site! I am disupting a bankruptcy in California, yet they say they are investigating in XXXX XXXX, Florida!! I am demanding that these companies PROVIDE ME WITH TANGIBLE EVIDENCE of their verification, not just saying they verified with XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have come to the realization that even though I am a tax-paying consumer in the United States of America, my rights under the FCRA and the Constitution are constantly being pushed aside for profit. I have submitted disputes to the 3 major credit bureaus ( Experian, XXXX, XXXX  ), as well as the secondary companies XXXX and others. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. This does not include that these companies use XXXX, or defer to XXXX or PACER as a primary means of verification. But time after time, I am given the same answers, and it is not accurate. XXXX actually posted inaccurate information on this very site! I am disupting a bankruptcy in California, yet they say they are investigating in XXXX XXXX, Florida!! I am demanding that these companies PROVIDE ME WITH TANGIBLE EVIDENCE of their verification, not just saying they verified with XXXX or 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 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: LA

Complaint narrative:
On XX/XX/2018, I called University of XXXX, they gave me the number to the collection agency.. I called and was informed that they put my account with ATG Credit. I called and spoke with a lady nd verifies my address, name, social security number and all. I asked her when did they receive the account and all she said was One day last month I never received a debt validation letter from them. They also had my current phone number and still never called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
This company sent me a collection letter on XX/XX/2018 regarding an alleged debt that I know nothing of. I responded within 14 days, requesting debt validation according to the FDCA to provide proof of identity used to open the alleged account as well as a signed contract bearing my signature showing obligation to pay. They responded on XX/XX/XXXX with a copy of a bill print out. I sent a 2nd request for debt validation since a copy of a bogus bill that is not mines does not constitute as debt validation under the FDCA. Again I requested proof of ID used to open such account and a signed contract bearing my signature, along with a copy of a judgment and proof that they are licensed to collect in California. Their response was that they sent the bill print out as validation. This company is violating my rights, threatening me and at this point, I'm considering it as continuous harassment. They failed to validate this debt, they fail to respond to the requests in my letters and they continue to break the law and violate the Fair Debt Collections Act. They need to cease collections and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On or about XX/XX/2018 I received a call from Citibank d/b/a SearsCard that there were a suspicious attempt to charge my card at a Dollar Store in South Carolina. I told Citibank that it was fraud because I was never in South Carolina and had my credit card here in Ohio. Citibank told me that it would cancel my card and issue me a new card. Citibank did not tell me that there were earlier fraudulent charges also made in Souh Carolina. Because Citibank closed my account, I could not access my online statement or account information. Citibank told me that my balance was {$130.00} c and that I should pay it to avoid late fees. I paid it quickly on XX/XX/XXXX. Subsequently, when inquiring how that balance was calculated, I learned that there were three identical charges made in South Carolina for XXXX XXXX  totalling {$80.00}. Citibank knew that these we were fraudulent charges, too, but kept that information from me. I repeatedly called Citibank to dispute those charges, but each time a heavily accented female based in the XXXX demanded to know my checking account information, I do not have a checking account with Citibank, and told them so. Citibank a dozen times refused to accept my dispute. It appears that the XXXX were illegally trying to get my personal banking information totally unrelated to my credit card. And, twice Citibank told me that the new card was sent to the fraudster XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX SC XXXX because someone changed my account data to her name and address. Utter stupidity by Citibank! To date, I have neither received a new card, nor refunded the {$80.00}.

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 monetary relief