vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 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: TX

Complaint narrative:
I've been disputing this account for over a year, I only had an account with this company that Equifax is reporting in XXXX and XXXX, both of the loans were paid off. 

I see that they reported a charge off from XXXX or so which absolutely doesn't make sense. I keep asking them to provide the method for their verification so I may sue Equifax if need me. I have no memory at all about this alleged account. 

I did go to the police to report this a couple of months ago and due to the fact that I do not have absolutely any memory I am asking for a real investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
After looking at my credit report in XX/XX/2018 I found a medical debt on the report I did not recognize. I sent the debt collector a Demand for Verification by Certified mail Return Receipt demanding verification. The debt collector did not respond within 30 days. In fact they still have provided no verification. I spoke to a representative of the company on XX/XX/2018 and asked where the information was being sent. She informed me that the letters were being sent to an address I did not have and have not had for over two years. In the validation letter my address appears in BOLD print on all 3 pages and under the signature. Yet they did not respond to that address. They did not list the debt as disputed on my credit report during the validation period. I spoke with the President of the company and I explained that his company failed to respond and asked that the report be removed from my credit bureaus reports. He stated he couldn't do that.

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 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: MO

Complaint narrative:
This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I was eligible for forgiveness but there a very few non for profit XXXX left which makes it impossible to take advantage of thos. I've been paying for over 20 yrs now. As a XXXXXXXX XXXX I fall under the provision. My loans were sold without my knowledge and that is hampering getting help as.well. Any help would be appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: TX

Complaint narrative:
Transunion got my dispute and and almost 30 days later the account was removed from my credit file. The account popped up again and i sent another letter asking them why did they place an account back on my credit file after it was removed and I got a letter back saying that all information is considered accurate and that because of the data breach with their company alot of clients accounts were removed and added back. I then told the rep not without a 5 days notice and she was not understanding me after i told her that. 

Account : XXXX XXXX XXXX Account Number 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 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: MO

Complaint narrative:
This company ( Receivables Performance ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$0.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
I went with my XXXX year old mother to purchase a new car at XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, Michigan. 
Prior to going there my mother and I had been to a different nearby XXXX Dealership for purchase of the identical vehicle she was sold fraudulently by XXXX. My mother is physicaly XXXX after a very serious automobile collission. At the time we went to the first dealership we discussed the vehicle she wanted, the accessories she needed, but my mother was not physically up to purchasing a new vehicle then. That salesman set her two handwritten letters saying she could lease the same vehicle she ultimately purchased for no money owed at the time of purchase, and lease payments of approximately {$150.00} per month, consistent with newspaper advertisements from all XXXX XXXX dealership. She was ready to purchase, called this salesman to discuss figures and he required she come into the dealership to discuss figures which she was unable to do this.She built the car on the XXXX build a XXXX website and received a call from a salesman at XXXX who said he would have her in and out of dealership in less than 30 minutes. Salesman asked me for my Discover Card. I said why, he said please sign receipt everybody pays {$1100.00} at closing. Salesman fraudulently for {$3600.00} which I did not know until I got my bill. Then two people came over and had us sign blank screen. In violation of Michigan Law we left the dealership without any purchase documents. Almost a month later we received the purchase agreement which was fraudulent as the dealership filled in figures after we signed blank documents and we never agreed on. It was fraud. Discover has a policy where they guarantee a best price guaranty that Discover violated. Discover will not dispute fraudulent {$3600.00} although it was clearly fraudulent as even dealer agrees they are in violation of Michigan and Federal Law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2018- around XXXX in the afternoon while I was at work : 3 charges of {$250.00} each ( total of {$750.00} ) appeared on my checking account with Bank of America . Charges were done through XXXX application, that I had no knowledge of prior to this event. I was at work and remember checking my e-mail as I was expecting an employment letter. I noticed an e-mail from Bank of America asking me to verify, whether I just added " this person '' to my XXXX account. I clicked " no '', but thinking it was just a scam e-mail, out of habit I deleted the e-mail. I tried to log in to my online banking to check if everything was ok, but access was denied so I forgot about the whole thing. About an hour later I received a call from the Bank reporting a suspicious activity on my account. I spent about an hour on a phone with several bank reps and a fraud specialist, who stated that the fraud was done by someone who got access into my e-mail and stole my information through the Bank of America e-mails somehow. She also recommended me to immediately provide the Bank with a new e-mail address, freeze my account and open a new one and I did all that was recommended. 
XX/XX/2018 - 10 days after Bank 's investigation I called in to check on a status of the fraud investigation and I was told the following : " Unfortunately, we can NOT refund you the stolen money, as the fraud was done through your mobile device. '' I almost " passed out '' when I heard the news and felt that a big injustice was done and that someone somewhere needs to help me and other people just like me. I was recommended to contact my Mobile phone provider ( XXXX ) and ask for a letter stating that there is a virus on my phone. XXXX stated that they do NOT provide such letters. I was also recommended to file a police report which I a going to do tomorrow after speaking to the Bank in person. I have a bad feeling that they are not going to help me though, therefore, I am turning for help to others. I just need to do something as this does not feel right! 
Thank you for taking your time to read my letter!

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 2018-10-04 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: Carter-Young, Inc.
State: GA

Complaint narrative:
Ive had several issues with Carter Young agency. About a year ago, I received a mailed letter saying that a payment of {$1000.00} needed to be paid to remove this account from my credit report. I did not agree to pay this amount because I dispute all charges in connection with this account. I asked for a letter or validation instead. Upon asking I recieved a letter saying that {$2600.00} is owed with a list of charges but NO signed agreement. Keep in mind that I never had any agreement with this company. Ive asked for a written agreement on several occasions and have only received a list of charges totaling to {$2600.00}. About a month ago, I offered to pay {$200.00} to have this issue resolved. I do not owe them any money and refuse to pay {$2600.00} that I dont owe but wanted this removed. I called the agency about a month ago and spoke with a representative about this alleged account. The representative informed me that they will not accept the {$200.00}. She went on to say that she will accept a payment of {$2600.00}. I asked why the balance had changed from {$1000.00} and why the account is only showing on XXXX. The representative said Carter Young can change the debt to whatever they choose when they choose. She said they were running a promotion that made the balance {$1000.00} and whenever they decide to create a promotion they can. She informed me that I can either pay the {$2600.00} or continue to see the account on my credit. It doesnt hurt them, its my credit and Im the one who wont qualify for new credit lines. She said that if Carter Young decides to report the account to the other bureaus next month. I will have to deal with the impacts of not qualifying for a home not Carter Young. I am disgusted with the way I was treated as a consumer. It appears they feel as if in addition to them falsely reporting this debt, they can change the balance whenever they like. Not to mention, the threats of not qualifying for a new credit line to intimidate me into paying this unverifiable debt. They have no disregard to the way this debt continuously shows on my credit report. Now I am attempting to resolve this matter yet again. This debt is being unlawfully pursued by a company who can not verify or validate this debt and feels they can make their own rules at the my expence. According to the Fair Debt Collection Practices Act FDCPA I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry o your collection activities. As per an opinion letter published by the FTC reporting this collection is considered as unlawful collection action. In addition, debt collectors can not threaten consumers or intimidate us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive had multiple breaches of information and Im very concerned that much information is false and my identity and personal information is being used by someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
XX/XX/2007 XXXX XXXX XXXX XXXX XXXX {$39000.00} This loanwas transferred to AES American Education Services My loan stated about 22,000 and beed {$39.00}, XXXX for many years.All the mony I pay goes towards interest only. I asked them to lower the interest rate. They informed me that they do not refinance. 

I went to XXXX XXXX XXXX at XXXX XXXX Univ. My contract I was to get alife time re-training. However, I never finished the school. 

I am having a hard time finding anyone that will refinance these loan.Can you provide me with a list of companies that will refinance? Mt current interest rate is 8.25 %. 


I will provide document upon request. I do not have much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have contacted CRA about personal information being reported on my credit report such as social security numbers that are inaccurate and provided supporting documents and they have not deleted this information

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 2018-10-04 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:
Hard Credit Inquiries on my XXXX and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with Capital One on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX and XXXX to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND XXXX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
This company is practicing a Predatory Landing in order to get their customer a loan. All my attempts to resolve my issue and asking them not to report my late payments to credit agencies were not heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX18, I paid off the entire balance of my Capital One Visa card in the amount of {$7600.00}. I made my payment before the due date of XX/XX/XXXX18. On 1XX/XX/XXXX18, I received a bill from Capital One for {$93.00} for more interest. I called and spoke to a representative and a supervisor on 1XX/XX/XXXX18 regarding this additional interest. I explained that I was previously a party to a class action lawsuit against another credit card company regarding this practice in which the court ruled against the credit card company. Since that time, I have seen several news stories reporting that this practice was illegal. Capital One refused to take this interest charge off of my bill, so I advised them that I would be filing a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: TX

Complaint narrative:
On XX/XX/2018, a door-to-door sales person came to my home with information about water filtration systems. I signed paperwork for the under sink and bathroom system which I cancelled on XX/XX/2018 as stated in the contract, it should have been removed from my home without any further issues/payments. Well, the dealer ( s ) can't be found and they're running this scam on other people. Eventually I found the dealer ( s ) and informed them that the system was to be removed from my home and I wasn't going to make any further payments. Then I received another bill for an additional {$9000.00} for what I thought was the same system. Upon further investigation, I learn that the owner ( s ) of XXXX XXXX and XXXX XXXX are working together scamming people. The first system was to be removed which is owned by XXXX XXXX ... I've scheduled a delivery with XXXX XXXX Police Department to supervise the removal. The system XXXX XXXX is claiming I completed a contract for is a total forgery. The system isn't even installed and the owner of XXXX XXXX called me today threatening me and said it would installed in XX/XX/2018. He's already spent the money that he got from the finance company and now he's trying to get me to go along with his scam. He's making payments on the account as well because he doesn't have the money that XXXX XXXX paid him for the system installation. So now, I have XXXX XXXX and XXXX XXXX XXXX me while the owners of XXXX XXXX and XXXX XXXX profit by committing fraud. XXXX XXXX and XXXX XXXX have done nothing to resolve these issues. XXXX XXXX is well aware of the fraud committed by XXXX XXXX XXXX ( XXXX # XXXX ). The owner of XXXXXXXX XXXXe is XXXX XXXX, Ph # XXXX ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ext XXXX ) ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ), XXXX XXXX ( sales person - Ph # XXXX ). In humble opinion, all the aforementioned individuals are complicit, knowing, and willing participants in this scam. At this point I don't trust anyone!!! XXXX XXXX XXXX had the nerve to tell me we had a gentleman 's agreement for him to pay for the system ... REALLY!!! At two individuals have outright committed forgery/fraud and should be punished to max extent of the law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation