vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-03 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
As of XX/XX/2018, I have reached out to a creditor who is reporting negative/inaccurate information that is reflecting on my credit file. I have contacted Consumer Portfolio Services several times asking them to verify the information that they are reporting to the credit bureaus in reference to this particular auto loan. Despite my many formal request under the FCRA requesting that they validate the trade line and send me the verifying documents, which I am entitled to under FCRA Section 616, and 617. They have yet to have done so, I have also sent several letters demand that the unverified trade-line be removed from my report immediately, All attempt have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
18 months ago I leased a vehicle in New York with US Bank as the lease holder. 

Recently US Bank sent me a letter informing me I owed them nearly {$600.00} more in sales tax because I moved to Nevada? and that the Nevada Sales Tax Department had sent them ( US Bank ) a letter attesting to this. I contacted the taxation department in Nevada and they confirmed not only did I not owe them any tax of any kind but they had not sent US Bank any letter stating that I did. 

The Nevada State Taxation Department subsequently Faxed a letter to US Bank informing them of this, that I in did not owe any Nevada tax on this leased vehicle ( I have a copy of their letter and attached it to my complaint ). 

US Bank subsequently debited money from my bank account without my authorization to pay for this bogus 'sales tax ' after I told them to stop auto debiting. They then promised me to mail the money back to but they have not done so and continue to send me letters insisting I owe the state of Nevada {$600.00} in sales tax. 

I have called US Bank Leasing department several times about this matter but the people in the department frankly have no clue about leases or sale tax and are of no help. 

I believe US Bank is attempting to defraud me. I need help

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 2018-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
XXXX XXXX via TD Bank does not allow payments other than the minimum amount through their automated payment system. This forces anyone who only pays through this system to pay interest at the end of a promotional 0 % interest rate since charges for device protection are added to the account balance each month. I spoke with a representative who informed me that " the system is set up to only allow the minimum due to be paid automatically. '' I believe this practice is unfair, at best, since many do not have access to free bill pay and predatory at worst - the minimum amount is the amount that would pay off the balance in time when other charges aren't added.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Account Type : LEASE Account Number : XXXX  My payment due date is on the XX/XX/XXXX of each month. My payment for XX/XX/2018 was not past 30 days late.

My payment was made on XX/XX/2018. Please see attached proof of payment history.

Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 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: GA

Complaint narrative:
I unlocked my credit files and obtained copies of my credit report from all three reporting agencies/bureaus and noticed that there is derogatory debt in the amount of {$770.00} reported by XXXX XXXX XXXX, supposedly collecting debt for XXXX XXXX, XXXX. I XXXX both and discovered that XXXX XXXX offer online pay day loans, which are ILLEGAL in the State of Georgia and are not offered here. My employer, XXXX XXXX XXXX XXXX XXXX had a major data breach in XX/XX/XXXX. They offered employees and family members credit protections for three years and my credit reports have been locked/frozen since then. This debt has an open date of XX/XX/XXXX, which shouldn't/could n't have occurred as my accounts were locked/frozen. XXXX also had a breach in XX/XX/XXXX but my credit files were already being monitored/locked/frozen. I have NEVER applied for a loan in Georgia or in any state or gone online or into any brick and mortar office to apply for a loan with these creditors. I have NEVER received any correspondence from either creditor and this debt is not valid as it was supposedly incurred during the time when all three of my credit reports were locked/frozen.

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 2018-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My student loans are being managed by Navient and several times I have communicated with Navient that I will not pay on private student loans that were attached to my Federal Student Loan package by XXXX XXXX. Navient refuses to respond to my efforts to communicate and on XX/XX/XXXX, attempted to withdraw over {$2000.00} from my checking account. There are a couple of problems with this : 1 ) I never provided Navient with my banking information and if I did, I never authorized Navient to withdraw any funds from my account. 
2 ) When I logged on to Navient for the purpose of determining what the problem was, I found that Navient and enabled the " Automatic Withdrawal '' option without my consent. 

I immediately contacted Navient again and explained that I will not pay for loans that I did not consent to and which were tacked onto my Federal package without my knowledge. These loans are very high in interest and I am aware of the dangers of applying for private loans which is why I never would have allowed this if I had known about it. I am annoyed by the fact that XXXX XXXX added these loans to my package without my consent and that Navient continues to try and collect on them despite the fact that XXXX XXXX has since then lost their accredidation due to unlawful practices which further validates my reason for refusing to pay on these loans. 

As a means of further protecting myself, I have instructed my bank to block any and all attempts from Navient to withdraw funds and I deleted my banking information from my profile on the Navient website. However, given the fact that Navient obviously feels that they have the right to attempt to take money from my account without my permission, I'm sure they will try to figure out how to do this in the future. 

Please advise me on my best course of action regarding this matter. I have not problem with the loans I approved ( Federal ), but do not feel that I should be forced to pay for loans that were hidden in my Federal Student Loan package by a company that was abusing the system and taking advantage of their students. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am reaching out for help in resolving a problem that I am having with XXXX, XXXX XXXX XXXX, XXXX ( formerly Pressler and Pressler,  LLP ) located : XXXX XXXX XXXX, XXXX, NJ XXXX and their attempt to collect a debt that I never opened, had or owed to XXXX-XXXX " in the amount of {$5600.00} plus costs, of which {$4000.00} remains due and unpaid '' according to their written correspondence to me. As I have stated, I haver never opened an account with XXXX-XXXX in any amount and do not owe this debt. I have received ( XX/XX/XXXX ) letters from them both by First and certified mail dated XX/XX/XXXX with an attachment of a two page Information Subpoena and Written Questions requesting personal and financial information. Within the body of the letter is a threat that I could be arrested if I do not return the information to them within 14 days and letter also states that it is an attempt to collect a debt. I would appreciate your help in resolving this matter as soon as possible. I believe they are in violation of Consumer Protection Laws and debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my Equinfax credit report I have Bankruptcy Chapter XXXX listed. Then the Credit card companies are also still listed as Derogatory/Delinquent information on my Credit Report individually. Can these please be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
A representative from Lockhart, Morris, and Montgomery named XXXX, called and said that I owed XXXX XXXX XXXX  for not completing a contractual agreement. I resigned driving over the road because of lack of home time, which XXXX said they would schedule and did only twice in a four month period, and poor treatment of staff. The agreement was for a total of XXXX miles of driving. There was a {$5000.00} penalty for not completing and I incurred a ticket for {$6000.00} which payroll deductions were being made. The debt collector added a {$2500.00} fee which I could not agree to pay, I believed it was an excessive amount and could not remember seeing that amount in the original paperwork. I refused to agree to anything which included this fee. The amount taken through payroll deductions reduced the debt to around {$10000.00}. XXXX told me that if a paid roughly half, {$5000.00}, he would waive the fee, not report this to the credit reporting bureaus, ( XXXX, XXXX, and XXXX XXXX ), and schedule a payment plan of {$120.00} a month.The {$5000.00} was paid on XX/XX/XXXX, of  which {$3000.00} I borrowed from a friend. On our next communication, XXXX said that I only had 10 days to pay the rest of the amount. I told him that I did not have that amount and demanded my money back, at least the {$3000.00} that I borrowed from my friend since he would not honor what we had previously discussed. He refused to do this. I told him that all I could afford was {$120.00} a month or he could wait for the court outcome for the {$6000.00} ticket which was being litigated. I then receive an alert from a credit reporting service that an amount of {$7800.00}, this includes the {$2500.00} fee, was reported as in collection to XXXX, XXXX, and XXXX XXXX as of XX/XX/XXXX and again XX/XX/XXXX. They also did a credit inquiry on XX/XX/XXXX which I did not authorize. I also told XXXX not to call me before XXXX and he made at least five more calls after this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FM

Complaint narrative:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, Equifax and XXXX   via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-09-03 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I received by mail a notice of collection from a company ( PennCredit Corporation ) I never had any comercial relationship representing an Utility company ( XXXX ) for a debt ( XXXX dollars ) in an address I never requested or had any contract for electricity.. 
I never received any call, just a letter dated XX/XX/XXXX in which they ask me to dispute the validation of the debt but today XX/XX/XXXX I received a notification from my credit monitoring indicating that PennCredit Corporation already put this account in my credit report in clear violation of the FDCP.. Less than a week of receiving a letter and they are asuming this debt belongs to me without giving me the oportunity to reply according to the regulations for collections company number XXXX in the consumer affair of New York XXXX 
Also the Credit Bureau and PennCredit are hurting my score by placing false information in my report ... 
PennCredit Corporation violate my right tp request validation of debt in writing and placing a false debt to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out to the CRA several times about the XXXX accounts. 
I have proveided proof that the XXXX accounts were not mine and the CRA deleted all the XXXX ( XXXX XXXX XXXX XXXX ) accounts and updated my report. 
The problem is when they deleted the fraudulent account they should have also DELETED the XXXX inquirys as well. 
The XXXX inquirys are not mine and should be removed asap, cause they are associated with the fraudulent address that was removed and the fraudulent account that was just removed. 
PLEASE REMOVE THOSE INQUIRYS ASAP. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i opened account in TD Bank online, because they offer {$300.00} for this. after i meet all criteria they did not post money on it. i contacted them and bank assured me, that money will be posted within 60-90 days. after 90 days of using my money ( it was serious amount! ) bank did not give me my {$300.00}. i contacted them and they told me, that i am not eligible for it, because i already had an account with them/. 
on my request to prove it, they promised to send me a letter. letter never received, because account never been opened. 
i want you investigate business of this bank, return me my money and stop theyr business in XXXX, as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This company purchased an overdue account, credit card, and changed the date of opening to the date they purchased it, Opened XX/XX/XXXX ( 3 yrs, 2 mos ). XXXX account went delinquent several years earlier ,XX/XX/XXXX, and would have been off my record in XX/XX/XXXX like other circumstances. This show up on XXXX XXXX as, You've paid off 0 % of your collection amount. 
Balance {$8400.00}

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 2018-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FM

Complaint narrative:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, XXXX  and Transunion via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.

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 2018-09-03 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: Experian Information Solutions Inc.
State: FM

Complaint narrative:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact Experian, XXXX and XXXX   via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.

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 2018-09-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FM

Complaint narrative:
I have been in contact in the past with bank of america trying to resolve this identity theft issue that resulted in me owing them over {$500.00}. I have filed a police report, and have provided them with the information to contact the XXXX Police Department. However, after one year of trying, Bank of America refuses to delete this incident from my XXXX and early warning report. This fraudulent account that was opened due to identity theft has caused me nothing but turmoil and agony trying to open a bank account, self lender account, and credit card accounts. I am a XXXX XXXX XXXX who can't open a bank account to receive direct deposit from my PT job and I can not open a self lender account to help build my credit so that I can apply for a loan in the future. I can not even get approved for a subprime card, such as XXXX XXXX to help build my credit. Luckily I was approved by XXXX for an auto loan because they are unlike traditional banks. 

Bank of America replied in XX/XX/2018 with this statement : " When we closed the checking account ending in XXXX, the final balance was negative {$530.00}. Please contact our Recovery Services unit at XXXX Monday to Friday XXXX XXXX. to XXXX XXXX Eastern, to make payment arrangements for the outstanding amount owed. We have confirmed that as of the date of this letter, this account was accurately reported to XXXX  , XXXX and XXXX 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 monetary relief