vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I asked for verification and the letter attached is what i received. I want the actual signed contract.

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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I began receiving notifications from various attorney 's seeking to represent me. The notices stated there was a possible garnishment against, for an account that had been paid and or charged off with the issuance of a XXXX. Prior to receiving the mail from the various attorneys, I had resolved the matter with this creditor over 6 years ago. I had not received any notices from an Attorney representing the credit card company no any notice from the company. So, these actions alone is a violation of the FDCPA. On XX/XX/XXXX, I reached out to XXXX County Magistrate Courts to get the details of the filing. They gave me a filing number XXXX. They provided me with the name of the Attorney who filed the case, XXXX XXXX of Cooling & Winter Law Firm. They stated a garnishment had been filed against me for a ruling dating back to XXXX. REALLY! In 6 years, I have never been contacted by either party and have been diligently working to repair my credit. Not to exclude, I had already resolved the matter with the credit card company and received a XXXX to be filed with the IRS. I am seeking to have this attorney disbarred. Seeking to have this garnishment reversed and any negative reporting REMOVED from my credit report immediately. I am seeking a letter from this firm acknowledging their wrongs and listing their actions to rectify the matter.

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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
XXXX XXXX XXXX says TransUnion. And XXXX can not submit my credit. Send to to lock and alert which requires money and sends back to annual credit.

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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
i have previously through the Credit Reporting Agencies, stated that this is the result of Identity Theft and Portfolio Recovery Associates, will will cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Slovin & Council Co., L.P.A.
State: KY

Complaint narrative:
Slovin and associates XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for XXXX XXXX from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to XXXX   overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding XXXX  unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called XXXX on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to Slovin and associates they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and slovin and associates probably bought it from them. Slovin and associates said they don't buy debt and they are collecting for XXXX. XXXX said my checking account was part of the settlement and slovin and associates should not be collecting for XXXX  since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX  dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site inXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: OH

Complaint narrative:
I contacted my credit card company to dispute 2 items on my XXXX statement. I went on a XXXX cruise and made these purchases, but the items were defective, I did not discover this until I returned home. I was told I had a lifetime warranty with the device, but I was not told by the merchant that I had only three days to register and that all sales were final, these detail were conveniently left  out. Since I was on a cruise ship, and I did not open the packages to see the registration card until I returned home, I was unaware about the registration deadline and did not see the small print disclosure on the receipt. It also stated I had 14 days to return or exchange the items. At this point, I filed the dispute since the items did not work properly, returned the items ( insured ) back to the merchant. I received the package back unopened " refused '' and ultimately in the end, KeyBank XXXX denied my claim strictly because of what was printed on the receipt, " all sales final ''. I tried to reason with my bank and explain the extenuating circumstances - my concern that other potential customers may be scammed as I was ( almost {$2000.00} loss ). They told me to file a claim with my attorney general 's office and apologized, that there was nothing else they could do to assist me since they were following policy. I found this unacceptable, and I am sincerely hoping someone will assist me with my appeal to XXXX. It is difficult for me to accept that a merchant ( Forever Flawless ) can sell faulty new merchandise and put whatever they want on a receipt and just get away with it. Consumers should have some rights and be protected against scammers. This was not a $ XXXX {$10.00} item which I can just write off, this total cost was almost {$2000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is in reference to information in my credit file. I recently received a copy of my credit report that Experian, XXXX or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that Experian, XXXX or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX XXXXXXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from Experian, XXXX or XXXX   and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised Experian, XXXX or 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 explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
After being a loyal customer of XXXXXXXX XXXX and a XXXX XXXX American Express Credit Card holder, I had to close both relationships due to a terrible experience with XXXX 's property at XXXX XXXX XXXX. I received an email confirmation stating that both had been closed accordingly. Then standing transactions began to post to the account again. When I called back in I was informed that the " partner '' had reopened my account. The Amex agent couldn't tell me who or why so I have to assume that partner equates to XXXX XXXX. I requested that the account be closed again and demanded an explanation of how this could have happened as this doesn't seem legal. I was told by Amex that they would submit my case for investigation and I would hear back. They sent me a message to a secure location that is no longer active since my account is closed. I haven't received any calls or emails with an update on the situation. 

Neither of these companies seem to care about how they conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: TX

Complaint narrative:
There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

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 2018-06-13 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: TX

Complaint narrative:
There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

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 2018-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In Collection Opened on XX/XX/XXXX DISPUTE REASON : ACCURACY : UNVERIFIED ACCOUNT, UNVERIFIED LATE PAYMENTS. 
THIS RECORD CONTAINS MULTIPLE INACCURACIES. PLEASE VERIFY THE ACCURACY OF ALL DATA. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX # XXXX In Collection Opened on XX/XX/XXXX DISPUTE REASON : ACCURACY : UNVERIFIED ACCOUNT, UNVERIFIED LATE PAYMENTS. 
THIS RECORD CONTAINS MULTIPLE INACCURACIES. PLEASE VERIFY THE ACCURACY OF ALL DATA. 

Please remove all non-account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 


Thank You, Sincerely : 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
Consumer complaint received 2018-06-13 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: FL

Complaint narrative:
I am in the process of purchasing a home and I reached out to Navient for a repayment plan that would best suit my financial situation and to ask why they have reported to the credit bureau 's that my loan was in deferment, when I was in forbearance, not deferment. They put me on an income based repayment program and said that I was not in deferment, and it shouldn't be on my credit report. My mortgage broker 's credit report and my own credit report reflects the deferred verbiage. Also, I made a payment towards my student loans in XXXX, and I received a notice that my total balance has increased as of today, XX/XX/XXXX. HOW? When I call in to speak with their customer service reps, why don't they advise that the repayment amount goes towards interest and that the balance can still go up as you are making monthly payments. Why am i making payments towards a balance that just increases?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I made a mobile deposit on XX/XX/XXXX which is deposited on XX/XX/XXXX. I made my mortgage payment & other transactions on XX/XX/XXXX. Now BBVA Compass is charging me {$160.00} in fees for those charges on XX/XX/XXXX.  Screen shots of my bank activity from my BBVA Compass mobile app are attached for your reference. After 2 hours on the phone with various people & a trip down to my local branch, I was told they will not waive these fees that are clearly errors within their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I live in XXXX and received 2 collection notices from Credence Resource Management LLC for debt that is not mine. The original creditor is XXXX XXXX XXXX from XXXX XXXX, XXXX. One was dated XX/XX/XXXX for a total of {$7200.00}. The other letter was dated XX/XX/XXXX for a total of {$4200.00}.

I have never been to XXXX in my entire life. This debt is not mine, please help!

I mailed 2 certified dispute letters today XX/XX/XXXX to both locations listed for Credence Resource Management. One mailed to XXXX, XXXX and the other to XXXX, XXXX. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN XX/XX/2013 I VOLUNTARILY SURRENDERED A XXXX XXXX XXXX SEMI BACK TO THE LEASING COMPANY THE TRUCK HAD BEEN PREVIOUSLY WRECKED, NEVER SHOULD HAVE BEEN SOLD I PAID THE COST TO RETURN IT TO LEASING COMPANY THE TRUCK WAS REMARKETED AND SOLD ALL BALANCES WERE PAID IN FULL I HAVE DOCUMENTATION SHOWING {$0.00} BALANCE PAID IN FULL EXPERIAN SHOWS IT AS REPOSSESION AND MISSED PAYMENTS ALL OTHER CREDIT BUREAUS SHOW VOLUNTARY SURRENDER AND ALL PAYMENTS MADE.. {$0.00} BALANCE PAID IN FULL AND REMOVED AS A CLOSED ACCOUNT REPEATED REQUESTS WERE DENIED BY EXPERIAN TO RESOLVE THIS MATTER I'M ASKING TO HELP RESOLVE MY CURRENT CREDIT DENIALS DUE TO THIS ONE CREDIT REPORTING AGENCY

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 2018-06-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.

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 2018-06-13 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: AES/PHEAA
State: CA

Complaint narrative:
I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
Continuous calls beginning in XXXX thru the present day. There are several every day and at various times of each day. The only information provided is United Collection Bureau and phone number XXXX No information is given re what the debt is. To our knowledge we have no outstanding debts. We have contacted the XXXX XXXX XXXX of XXXX OH and were contacted by XXXX XXXX, Accredited Business Operations Facilitator at XXXX XXXX. She stated in an email to contact you. We have our phone on the do not call registry since XX/XX/2003 but it is not working. Can you help resolve this?

Company response to consumer: Closed with explanation