vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JNR Adjustment Company, Inc
State: MA

Complaint narrative:
Company is attempting to claim rental car debt in claim which went to arbitration and other party was found at fault. Furthermore collector is attempting to claim fabricated charges such as " DIM VALUE - {$570.00} '' ( diminished value? ) on superficial bodywork which was fully repaired on rental vehicle. They are also attempting to charge a deductible {$300.00} but it's not clear what that is for, Loss of use {$250.00} and an " admin fee - {$150.00}. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Westlake Portfolio management have listed charge off on a paid debt 100 %. They never contacted me about this debt, Ive tried calling them and they never responded but enter a charge off. I need this debt verified that I owe them with my signature. They never contacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/ XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX This is in response to CFPB XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a police report or that ive used a credit repair company is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.

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 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX a false statement unauthorized transaction a false statement to get money back is bank fraud to his own Bank XXXX XXXX  XXXX XXXX XXXX used to be a authorized user to my account the discover XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a car loan through capital one. The website clearly states that it will be a soft inquiry but it is showing up as a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I send Navient a letter regarding the student loans I had with Sallie Mae. I've been making payments as requested. I asked Navient could they provide me the Original Instrument of Indebtedness in it's Original Form. I was misinformed according to Contract Law.

They couldn't provide me with the Original Instrument of Indebtedness in it's Original Form, only copies. I am making a complaint because I was misinformed, mislead, & decieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX three time {$34.00} for the Insuffcient Fee. XX/XX/XXXX one time {$34.00} ..I don't know the settlement date of the bank and the merchant. The account is not enough money and it is transferred to the merchant. Then I charge the overrun fee. It feels like a scam. I want to close the overdraft function and it doesn't work. The overdraft fine is not legal. It is simply a XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 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: CO

Complaint narrative:
XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$900.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had previously a XXXX credit card and it has been discharged even in the credit bureau.All of a sudden port folio recovery shows up in my credit report saying the account was opened XX/XX/2019 and I owe them {$1100.00} and I had no knowledge of this. They buy charged off accounts to recoup much more money than originally owed. I live on social security and I want pay this because XXXX  closed this account and they were satisfied and they reported that to the credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts below are more than 7 years old and should be deleted. Also these debts are all paid or I received an 1099-C for these debts. 

XXXX XXXX XXXX XXXX XXXX - - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX {$26000.00} - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX {$4900.00} - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/2011 XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/2011 XXXX XXXX XX/XX/XXXXXXXX - {$3000.00} - Revolving Negative XX/XX/2011 XX/XX/2011

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 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CT

Complaint narrative:
A relative who is incapacitated signed over a government issued check to pay her bills, I took over to the bank under the instructions from bank that it would be held for 5 days. Okay, went over to bank on fifth day after seeing funds are available on line, get to bank only to be told fraud department is involved to make sure check is legitimate. The bank had 5 days to determine that fact, plus I have been repeatedly told that there wasnt any problem, now theres a problem. It just seems to me Im being treated differently, when a XXXX person cashes an exceptionally large check there seems to be red flags or fraud. Dont like playing XXXX card, just seems a different standard for people of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I used to have a checking account with bank of america. I was talking online with someone that was hiring me for a new job from home. They send me a check with the amount of XXXX so I can buy the materials I needed to start as soon as possible working. When I deposited tue check two days later Bank of America closed my account, it turns out the check was fake. I was victim of fraud. They file this in my costumer report as I was depositing false checks. And that not true I was the victim. Now I cant open any other bank 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 non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX is reporting incorrectly to XXXX ; XXXX  and Transunion a collection in the amount of {$900.00} on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2019-09-12 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: CO

Complaint narrative:
XXXX is reporting incorrectly to XXXX  ; Experian and XXXX a collection in the amount of {$900.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus  to remove this item however, I have not been successful.

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 2019-09-12 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient is reporting incorrectly to XXXX ; XXXX and XXXX collections in the amount of {$26000.00} and {$54000.00} on the NAVIENT partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. These accounts have been sent to collections and therefore NAVIENT no longer owns this debt. I have attached a copy of the letter from XXXX dated XX/XX/2019 confirming they now own this debt. The incorrect reporting of a collection from NAVIENT needs to be reflected as a {$0.00} balance. This inaccurate reporting of a collection is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Harassing phone calls, sometimes 5-6 times a day if I miss a payment by even one day. Call my job, call my references. Threaten to repo my vehicle but then tell me " it's not what they really want to do ''. Now, my car has broken down three times since I bought it. First time the converter had to be replaced, second time the engine had to be replaced -- which I just found out they replaced it with an engine from a salvage yard. That was less than a year ago and now the engine is misfiring and knocking. They are giving me a hard time and telling me if I can not provide every single maintenance record that they won't fix it and on top of that keep harassing me for a payment on a car they " may total '' and telling me if I don't pay now I will get repossessed and it will " hit my credit and I'll never get another car ''. They are using intimidation to try to harass 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 2019-09-12 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: NJ

Complaint narrative:
Today, XX/XX/2019, I received alarm notice from Experian, stating it could not connect to my bank account to perform Experian Boost. I was anticipating score increase today due to recent utility payments, and immediately followed Experian 's online instructions to fix the problem. No luck, so I called Experian. Was told by first rep to disconnect my bank account and then reconnect. According to her, any points deducted from my score during this process would be reimbursed as soon as I reconnected my bank account. Although I was not comfortable with any of this, I disconnected my bank account. My credit score instantly decreased by 13 points. When I tried to reconnect bank account, Experian site again consistently prompted " Bank Unsupported ''. I called Experian 2nd time. 2nd rep told me to try to reconnect " at a later date ''. UNACCEPTABLE. I asked her to, at the very least, return my 13 points to my credit score. She wouldn't, and would not connect me with someone who could. At great personal cost, I have been rebuilding my credit. I am XXXX   XXXX and chronically ill. It is extremely difficult in my condition to jump through hoops consumers are put through by credit reporting agencies. Additionally, Experian insists on having your bank log in information, password, routing #, etc., which consumers are advised NEVER to furnish to anyone. My social security benefits are direct deposited into my bank account. I am worried to death about my money now. Due to XXXX XXXX, I am unable to physically get to bank today to take out my money, nor do I want to. I can not go to supermarket in person, so I need to keep my money in the bank in order to pay for groceries, as cash is not accepted by online grocery delivery services. Additionally, the frustration of credit score decrease instead of score increase through Boost which should have been done today is causing me to have a colitis attack which could very possibly put me in the hospital. I want my 13 points back. I want to know what Experian considers a " later date '' to reconnect my bank account. I want today 's Boost to be done - increasing my credit score.

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 2019-09-12 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 contacted the Experian advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate. I was victim of identity theft and my filed was also mixed with someone with a similar name. I contact Experian on XX/XX/2019 around XXXX XXXX PST and spoke with a rep in disputes name XXXX ask them how they verify this bankruptcy and was told that information was verified through XXXX XXXX. Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii )  regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Experian is required to conduct investigations of disputed items with the furnisher which they have on my report as US BKPT CT CA XXXX XXXX  of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX XXXX. I contacted the US Bankruptcy Court in  XXXX XXXX, CA. They advised that no bankruptcy shows under my social security number but they are people with the same name. The court could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Experian needs to remove this bankruptcy off my credit immediately because this is not 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 2019-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
A collection account appeared on my credit report. I have never received a bill or a phone call pertaining to this medical bill. I am under both my parents medical insurance XXXX XXXX and XXXX. XXXX is my primary. That insurnace fall under XXXX XXXX and XXXX XXXX fall under my mother XXXX. Both insurances are active. I am requesting that this be removed immediately from credit report and if there is a payment due that they seek payment from the insurance company COMNWLTH FIN Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/2019 Balance Date : XX/XX/2019 Balance Amount : $ XXXX Monthly Payment : High/Limit : {$620.00} Account Status : Collection Past Due Amount : {$0.00} Comments : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This complaint is for and against IC System # ********XXXX I was XXXX customer until XXXX. After using XXXX for over three years, XXXX starter to increased my rate when renewing contract, XXXX was charging me with taxes and for items I was never advised of therefor I had to terminate my contract with XXXX. I called XXXX customer service asked them to change my plan or to reduce my rate or modify my contract. 
I asked for my deposit I gave XXXX in order to get their service they said that did not qualify for the deposit to be returned because I did not make my payments on time for 12 month straight without being late therefore XXXX keep my deposit. I asked XXXX to submit my last bill to my chapter XXXX payment plan but XXXX never did, all of this happened in XXXX. after I called XXXX and asked them again to submit my last bill statement to my chapter XXXX bankruptcy XXXX never contacted me again. four years has passed now after last contact with XXXX I have being discharged now and XXXX and IC System have retaliated against me by sending or reporting this " non paid fees '' to all three national credit bureaus ( XXXX, XXXX and XXXX ) I have called two of these credit bureaus and they advised me that XXXX started to report this " non paid fees '' to the credit bureaus a month after my bankruptcy discharged month of XX/XX/XXXX. 
IC System started calling me every day the first week of XX/XX/XXXX. IC System approach me by asking to verify my name and address I asked IC System not to call me again if they were not willing to disclose the reason of calling me, and I also advised them that I didnt trust collecting calls over the phone, and to send anything over the mail. Now I have received a letter from IC System, and because of this letter I learned what is described above this complaint.

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