vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
The company : DEBT RECOVERY SOLUTIONS, is reporting to Consumer Credit Agencies a debt of {$780.00}. 
The only information provided is " Original Lender : XXXX XXXX XXXX XXXX ''. 
There is no information to prove that this debt is valid, or if it can be reported, and I have no information regarding this debt. 
There is no information about when this debt was originally owed, or placed for collection, and they have provided no information to support it. 
The information of the company is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: IN

Complaint narrative:
I owed XXXX a credit card debt that has been charged off in XX/XX/2015 and a debt collection company UNIFUND CCR LLC has taken over debt and has filed in court a case to collect debt, which the original debt belonged to XXXX and now there trying to sue me I think thats not right since it was charged off please advise thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
USAA has filed a delinquent account in my credit report that im unfamiliar with. Ive requested written documentation that provides proof the delinquency belongs to me. The total amount due is {$4100.00} from a credit card account. It states the account was a charge off from USAA Savings Bank, XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX USA. I've written multiple certified letters requesting info pertaining to why this is on my report and ti remove/ delete the urn if they can't provide proof I am the one who opened the account, but I've received no response on the matter. Please assist in the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: FL

Complaint narrative:
Hello, please remove the fraud alert from my credit REPORT 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 2019-08-27 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I have a collection that was recently added for XXXX XXXX XXXX for the amount of {$210.00} by Eastern Account Systems. I have contacted them about this collection but Eastern Account is saying they did not report this and have no record of it. I also contacted the medical facility and they don't show me having a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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:
Hello, please remove the fraud alert from my credit REPORT 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 explanation
Consumer complaint received 2019-08-27 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: FL

Complaint narrative:
Hello, please remove the fraud alert from my credit REPORT THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has been deleted of my credit file/ report from XXXX  and I am requesting the same for Transunion and XXXX . This has been an ongoing dispute and long process with Transunion and XXXX. XXXX XXXX has held me accountable for unauthorized interest charges, late fees and charges that accumulated after this account/ card has been reported fraudulent and has continued to be left open for accumulated charges, interest charges and late fees informed for this company to get funds from me not owed. My information was compromised in the XXXX data breach in 2017 and also in the recent XXXX  data breach. I am currently conducting a XXXX Settlement through XXXX for this matter. I have also did a Identity theft report, filed numerous disputes with them that has been unsuccessful due to them trying to collect moneys not owed to them. I have also been harassed on many occasions.This account should not be still reporting and should be deleted off my credit report with Transunion and XXXX as this is damaging my credit and not accurate. The balance on this account owed is XXXX dollars and I was informed that this account will be deleted off my credit file as XXXX did already. Please see attached documents

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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
The company XXXX XXXX XXXX, is trying to collect a debt of {$310.00}, and reporting this debt to Consumer Credit Agencies. 
They are reporting that this debt is from " XXXX XXXX XXXX '' and that it is 2 Years, and 10 months, old. 
I have never had a contract, written or verbal, with the XXXX XXXX, and have not received any information from them or the mentioned collector to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I have submitted a complaint about this company in the past ( XX/XX/2018 ), and ask them to stop contacting me. 

Also, I requested documentation not only by direct email,. but also through the county court requesting discovery ; they have failed to provide documentation to me in both cases. 

Now, they are trying to request money from me, again, stating that if I do not respond then I waive my right to a legal court hearing. 

This company is using illegal scare tactics and practices to get money they are not owed. This has cause my great mental and physical discomfort, and embarrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
RECEIVED STATEMENT FROM NISSAN MOTOR ACCEPTANCE CORPORATION DATED XX/XX/2019 THAT SHOWED PAYOFF AMOUNT OF {$19000.00} GOOD UNTIL XX/XX/2019. 

XXXX XXXX XXXX PAID AMOUNT ON XX/XX/2019. 

RECEIVED STATEMENT DATED XX/XX/2019 FOR {$56.00}. I CALLED AND TOLD THEM TO SEND ME LIEN RELEASE, PAID FINANCE AGREEMENT AND LOAN AMORTIZATION SCHEDULE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX, five years after successfully completing my payment plan. On XX/XX/XXXX, I was expecting my acct XXXX with Specialized Loan Service to show as follows : Acct Status- Open with payment being applied and a balance for {$5400.00} but rather it shows {$0.00} balance with a status -Included with Bankruptcy. I have been told that this was due to a delinquent for XX/XX/XXXX. On XX/XX/XXXX, Specialized Loan Service issued an alert to close the Chapter XXXX Bankruptcy and opened a NEW on which added 7 more years. I have called and sent numerous letters. I will attached the documentation to this complaint that clearly disputes this including my Payment History since XXXX which show NO DELIQUENCIES!

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 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
-New Complaint Process Relating to Response-SN Servicing Corporation- The steps the corporation has taken or are taking moving forward to address complaint, XXXX : It appears that SN Servicing Corporation has and or will be taking to address this complaint thus for has been discouraging, unprofessional, and illegal. 
Therefore, I am submitting another complaint currently. Since XX/XX/2019 when the first complaint was submitted to XX/XX/2019, I have received treating and suspicious phone calls and voicemails to my mobile device, main number and my XXXX recorded line, which I only gave to the Asset Manager of the loan. I have received suspicious mailings to my home address. Also shockingly a few mailings from SN Servicing Corporation ; with incorrect documentations concerning the load, unofficial letters of the companys foreclosure specialist, escalation of monthly statements ( monthly statements received only a week apart ), with incorrect transactions printed, and a returned monthly payment which should have been posted to the loan for XX/XX/2019. 
I will submit supporting document for this complaint this week. 
On each letter it states that should I have any questions call the Asset Manager assigned to the account. The last phone contact I had with the Asset Manager was unproductive a few times the individual was communicating in a yelling tone. I was told we could not discuss anything further unless we discuss including the XX/XX/2019 payment to be made to SN Servicing Corporation. This home servicing corporation did have access to the loan until late XX/XX/2019. XX/XX/2019, I received the documented time of transfer which is XX/XX/2019. 
I received an account number on XX/XX/2019 and was told over the phone for a SNSC customer service department that I would not be penalized for a late payment at this time and that SN Servicing Corporation must secure the complete file from the previous mortgage servicer and an account number had to be applied to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: CITIBANK, N.A.
State: IN

Complaint narrative:
In response to my prior complaint through cfpb, CITI cards sent me a letter dated XX/XX/2018 apologizing for the confusion with my account and agreed to uphold our payment arrangement. They advised me that they would be writing my balance off at the end of the year. I went to help my son get a loan for his car and it was brought to my attention that my credit score had dropped significantly, more than 100 points from the 700s to now the 500s. In reviewing my credit report I found that sometime earlier in the year CITI not only dropped my credit limit affecting my credit utilization and credit score, but also started reporting my account delinquent affecting my credit score. I called CITI several times and about a week ago spoke to someone/manager who acknowledged that this should not be happening and he would get corrected. As recently as today, the account is showing 60 days delinquent, which is not the case per our payment agreement. 
I want my credit restored. If CITI is going to write off the debt which will likely affect my taxes, then I do not also want to be hit with the terrible effect on my credit. In the last few months I went from good credit to poor credit which is not reflective of the type of consumer that I am. It is unfair and I don't think that any company should do that to a customer. Really disappointed with CITI cards once again.

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
Consumer complaint received 2019-08-27 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:
On XX/XX/XXXX our firm issued a check in the amount of {$10000.00} drawn on our Chase checking account for XXXX 's rent. It was payable to XXXX XXXX XXXX. On or about XX/XX/XXXX I received a telephone call from XXXX  XXXX XXXX ( paying bank ) questioning intended payee. They acknowledged that the check was payable to XXXX XXXX XXXX  but had been endorsed by and deposited into an individual 's account. XXXX   recommended that we contact Chase 's Fraud Department which I promptly did to request credit to our account for this check which they acknowledged had not been properly endorsed. At about this time the Landlord questioned why rent was not paid so we were obligated to issue a second check for {$10000.00} expecting Chase, upon reviewing the check they had improperly paid from our account ( the check was endorsed by an individual, not the payee, a national bank ) they would promptly credit our account. This they failed to do. Instead they embarked on a process to delay addressing our claim. Instead of promptly making available their " required claim forms '' Chase delayed for weeks in providing them. They were provided on XX/XX/XXXX and submitted on that date. On XX/XX/XXXX Chase requested that same form be resubmitted. On XX/XX/XXXX Chase advised it would take 90 days to resolve. It is clear that both payeeing bank and Chase acted in violation of the UCC and our deposit agreement with Chase in paying this check without checking the endorsement and thus paid over an improper endorsement. Apart from being out over {$10000.00} we are aggravated by the fact that Chase has taken the position that our firm acquiesced, to reduce their costs and thus increase their profitability, in their assuming the business risk of not checking endorsements and thus we have no basis for complaint with respect to the 60 days taken so far in crediting our account in spite of the fact that Chase 's policy was at variant with the UCC and their deposit contract with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: GREAT LAKES
State: MI

Complaint narrative:
I have been making payments on my student loan and it has been reported I'm 3 months behind I haven't made mid payments at all for the last 4yrs now they want to find me in default

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
There is a {$970.00} debt collection on my credit report. Originally the collector was XXXX XXXX XXXX. I disputed this through XXXX and it was removed from my credit. It is now showing up again with a different debt collector. I do not know what this debt is or why it has been passed off to a different collector after being removed once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We had a 42 month lease which was due to terminate in XXXX of XXXX. We paid off the balance remaining in order to fulfill our financial responsibility to the lease. The car was under the allowed mileage and in good shape. The lease was terminated on XX/XX/XXXX. On XX/XX/XXXX we received the attached letter ( dated XX/XX/XXXX ) which indicates a Gross Early Termination Amount of {$13000.00} and also indicates that the amount may be more. My husband and I called Chase immediately and spoke with XXXX ( XXXX at XXXX EST  XX/XX/XXXX ). XXXX was unable to explain why we received the letter and or explain the gross early termination amount. At one point she admitted the letter must have been sent in error but was still unsure of why we received the letter. We then asked to speak with a manager, XXXX ( XXXX at XXXX EST XX/XX/XXXX ) who was also unable to explain the charges or why we received the letter. This is concerning when no one at Chase can explain why we received a termination letter in the amount of {$13000.00} with the chance that it could be even more. The letter attached is deceptive to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have tried numerous times to create and online account to be able to make my payments easier and they will not allow me. I have tried calling numerous times and still they will not allow me. I have called them and last time verified all my information and still they said it wasnt me and would not allow me to speak about anything on the account, were very rude toned etc toward me. With my hours at work its hard to have to call and pay and now they wont even allow me to use an automated system to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: MN

Complaint narrative:
In XXXX of XXXX I took XXXX XXXX  to housing court to dispute any balance owed, I won my case and later that month had the balance removed from my credit report and public record. In XXXX of XXXX I submitted an online inquiry to an apartment, which I later discover XXXX as the owner and didnt pursue further. Using the inquiry information XXXX has placed this previously removed and COURT dismissed balance back onto my credit report. I have disputed this with Experian twice with no relief. None of the information is correct on my Experian report regarding debt but this is putting my livelihood in jeopardy!

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 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My condominium HOA has provided SunTrust mortgage proof of master policy for building and flood insurance on two separate occasions. SunTrust said they did not receive it and are going to force place insurance on my account.

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 2019-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TN

Complaint narrative:
I purchased a car in XXXX through XXXX XXXX XXXX and it was voluntarily repossessed due to layoff on my job. XXXX XXXX placed it on my credit report which affected my FICO score. Jefferson Capital purchased this account from XXXX XXXX and has placed it back on my credit reports as if I signed an agreement with them as of XX/XX/XXXX for a loan of {$20000.00}

Company response to consumer: Closed with non-monetary relief