vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, Account was Paid, Company stated that account would be paid with deleted from Credit report and was n't. I Would like for it to be Deleted from all 3 reports!!! 
Open XXXX/XXXX/XXXX Paid XXXX XXXX XXXX, Account was Paid as Agreed, Transferred to XXXX XXXX XXXX, Only had 1 account and had been PAID IN FULL XXXX. I would like for it to be deleted from all 3 reports!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
When I first applied for my first of two loans back in 2011, they ended up talking me into a payment plan that would allow me to repay while in school at a lower rate. Once the grace period ended, my rates went from 4 % to a staggering 9.12 % without any warning. I 've tried numerous times to do an income based plan, or something else but because of the type of loan I have ( The " Smart Student '' Option ), I 'm not allowed to do, or even to do deferment. All I can ever hope for is Forbearance, which makes my rates go up while I try to play catch up. I want to pay back my loans because that 's the right thing to do, but I need them to work with me as well and they clearly do n't care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I currently have 2 Federal Stafford Loans that are current and never a late payment. In XX/XX/XXXX I applied for auto payment to receive a interest rate reduction. This was scheduled to begin in XX/XX/XXXX. However, Navient cancelled the auto payment stating in an online letter that " This month 's student loan payment could not be deducted from your bank account based on information provided by your bank. As a result, we 've terminated your participation in Auto Pay. We suggest reaching out to your bank to ensure there are no issues with your bank account. '' I contacted my Bank and was informed that Navient never attempted any contact with XXXX XXXX. When I spoke with Navient I was told I gave them the wrong account information. 
Because this is the second time I have attempted this with Navient, I took screen shots of the account information provided, so I have documentation that this statement is in fact false. 
I believe this to be a delay tactic by Navient to stall interest rate reductions. I would like this published ; because I am sure this is standard operating procedure to deny attempts of auto-pay and interest rate reductions. Thus resulting in untold amount of interest profits for the company each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Acceptance Corporation
State: FL

Complaint narrative:
There is an account being reported on my XXXX credit report that is not mine..I have repeatedly tried to have it removed..but Leonard and Associates refuses to budge..I have a police report to back up the fact that I am a victim of identity fraud..Not only are they reporting a closed account that is not mine they are also placing phone calls to me even though I am on the national do not call list. I am being harassed for a debt that has no connection to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a credit card statement from VISA SIGNATURE - BANK OF AMERICA. A card I never opened or authorized to be opened. 
On XX/XX/XXXX, I called their Customer Service telephone number ( listed on the statement ) XXXX to correct this information. I received a belligerent response and NO satisfaction to correct this fraudulent transaction.

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 2017-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
My husband and I both had significant job loss during the recession. We kept paying all of our bills. I had to start a business to make ends meet and when I had billing issues was unable to make the full payment on one of our cards ( I paid XXXX rather than XXXX ) and did keep up with the other which was a slightly lesser amount XXXX as opposed to XXXX. I spoke with them to work with us as it was temporary and we were doing everything to stay current, pay our debt and protect our credit. One day XXXX XXXX 2016 I called to make a payment and was told the XXXX had been XXXX XXXX out and was forgiven by USAA Bank who I have been with for 30 years. I called the CEO 's office and told them I did n't want them to do that as I was concerned about possible credit issues and I was PAYING them. I also did n't know if there would be a tax liability we could not afford. This year, no XXXX came and them after preventing us from paying them as the account no longer was accessible they put us into collections all the while keeping the other open and continuing to make payments. They closed both of the cards/accounts and denied access to our online ability to pay or communicate. I contacted the CEO again to say this is fraud and we have been deceived and their individual there XXXX XXXX refused to call me back. It has now been several weeks. I never get my documents via mail as requested only bills. I have stayed current with all other accounts but they have strong armed be to now auto deduct my home and auto insurance payment. Additionally they have been crashing my credit as if I have NOT paid them for over a year and I had no idea. I told them I am not getting correspondence and they sent me a letter saying that I can access the online account. They are the ones that locked it. THIS IS INSANE.
Thanks for your attention to this matter. I am dismayed that I can not trust these people. They also hold my second mortgage, and told me the property valued which it has not for the past 14 years. I have paid them irregardless but they have no accountability for providing a bogus appraisal that would have prevented and interest only situation that is now starting to increase. We are trying to sell to get them paid and now they have after all these years are the very people stopping us from buying or renting a way forward!!!
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: FL

Complaint narrative:
I am victim of identity thief and have a police report due to the fraudulent activity on my report..there is a account being reported on my TransUnion report by XXXX XXXX XXXX that is not mine..This account was closed but is now being reported as open as of 2 days ago..I have tried repeatedly to get this account removed by XXXX XXXX XXXX to no avail..

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 2017-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: IA

Complaint narrative:
On the morning of Sunday, XX/XX/XXXX, we went to the US Bank drive through ATM located at the US Bank, XXXX branch at XXXX XXXX XXXX XXXX, XXXX, IA XXXX. We needed to withdraw {$300.00} cash as my daughter was leaving that morning for Minnesota for school and this was to pay for her gas, food, etc. I bank with XXXX, an online banking corporation, and US Bank does not charge a fee for using their ATM. When the money was supposed to be dispensed from the machine, the machine started making a cranking noise like it was either jammed or broke ; however, no cash was dispensed. My husband cancelled the transaction and got my debit card back. However, the {$300.00} withdrawl was now showing pending to my bank account and I had not received the {$300.00}. We went into the XXXX store courtesy desk and was advised that the bank would open that day at XXXX XXXX and that they had no access to the ATM to help. So, once the bank opened we were able to speak with the branch manager, XXXX XXXX. XXXX said that he would submit a claim for the ATM funds. Shortly after returning home, XXXX called us to advise he was told by US Bank that since we are not account holders there, they are unable to assist us directly in getting our funds ( even though it is their ATM and the cash was stuck in THEIR machine ). XXXX said we would need to file a dispute with my bank, XXXX to get the funds returned. I called XXXX and they stated that until the funds go from pending to posted, they ca n't submit a dispute. They stated once the funds posted to my account to call back and they could process the dispute. The US Bank transaction posted on XX/XX/XXXX to my account. So, I filed the dispute immediately. It is now XX/XX/XXXX and I STILL do not have my {$300.00} returned to me. I had to go to another ATM on that same day and withdraw another {$300.00} PLUS fees just so my daughter could go back to school. This has negatively impacted my credit as I am not short {$300.00} plus additional fees I have had to pay for taking out funds from another ATM that day. I want action on this immediately. XXXX XXXX continues to state that it is being investigated and US Bank continues to state that they ca n't help me since I am not their customer. Please assist in getting these funds returned to me immediately. Somewhere, US Bank is sitting on MY {$300.00} cash and they do n't seem at all interested in returning it to me in a timely manner. I am sure if the tables were turned and I owed THEM {$300.00} they would be charging me fees, interest and damaging my credit history with reporting it.

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 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I was under the care of the State of Texas through the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, TX for XXXX XXXX XXXX XXXX. My Dr. at XXXX was XXXX XXXX XXXX and she made several referrals to the local Dr. 's to address health concerns they were unable to manage. Transportation to the referred doctor 's were handled by a contracted company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was transported by this service several times, all to Dr. 's within a 17 mile radius of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX was the only transportation available and required by XXXX XXXX for patient transport. The State of Texas/XXXX routinely billed my XXXX XXXX Health Insurance, XXXX XXXX, for services and would be reimbursed by XXXX  and the State of Texas then picked up any additional charges that XXXX  would not pay, as per the State of Texas contracts with XXXX providers. XXXX XXXX XXXX began billing me for services that were exaggerated in mileage, incorrect dates, and for charges exceeding {$2000.00} that I was not resonsible for. I reached out to XXXX XXXX XXXX to dispute the bills I was recieving. I reached out to XXXX XXXX XXXX at XXXX XXXX  numerous times to address this billing problem. XXXX XXXX XXXX then sold this fradulent debt to Wakefield and Associates who then placed three collection accounts on my credit report, all three credit bureaus. My credit score of XXXX has dropped to the XXXX XXXX because there are three fradulent charges that are not my bills. I have disputed with all three credit companies and I am not responsible for any of the charges listed on my credit report. These are fradulent and should have been paid by the State of Texas. I have also reached out to my Texas House Representative, XXXX XXXX, to no avail to address this problem.

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 2017-08-24 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: NY

Complaint narrative:
I submitted a complaint to cfpb ( # XXXX ) inXX/XX/XXXX. It was corrected. Now, todate, I have the same problem re-existing on my credit report. I have sent letters to XX/XX/XXXX and to Equifax but had trouble disputing on line with Equifax. I have old statements showing the situation was fixed. Equifax confirmation number is XXXX showing that {$350.00}. from XXXX was satisfactory and that the account is " closed. '' Whereas, on my credit reports, they state that amount above was never paid and is open and is still in collections. This is wrong. XXXX Account No. XXXX - date opened:XX/XX/XXXX This has a XXXX  balance is a closed account. It is shown as a " derogatory mark '' on my credit.
Can you please help me rectify this again?
Thank you for any of your help.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: FL

Complaint narrative:
Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX XXXX  TransUnion has deleted no inaccuracies

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 2017-08-24 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: FL

Complaint narrative:
Beginning in XX/XX/XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, XXXX and Experian.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX.
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX Experian has deleted XXXX XXXX XXXX  XXXX has deleted no inaccuracies

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 2017-08-24 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: NC

Complaint narrative:
i have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX 2016. i have submitted several disputes to the credit bureau about these accounts do not belong to me. They keep submitting response back that they have validate these accounts. I have requested over Several times for them to send me verification as to how they validated these accounts were mine and accurately? I have requested documentation of my signature on these inaccurate accounts, if they can not provide that then to delete these accounts from my credit report. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit file. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.

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 2017-08-24 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: LA

Complaint narrative:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: FL

Complaint narrative:
Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect.
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX UNIVERSITY Creditor : XXXX *In reference to XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MEDICAL CENTER, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate.
Creditor : XXXX *In reference to XXXX, account past 7 yrs. and balance is in error.
Creditor : XXXX XXXX XXXX XXXX has deleted XXXX  XXXX has deleted XXXX XXXX XXXX, XXXX XXXX XXXX  TransUnion has deleted XXXX XXXX, XXXX 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 explanation