vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 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: CA

Complaint narrative:
I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/X/2017 ( documents attached). Come to find out that the last 2 payments made of XXXXXXXX on XXXX XXXX and another for XXXX a week after that (receipt of payments with confirmation # s uploaded)  XXXX-XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!

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 2018-01-03 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 — Was not notified of investigation status or results
Company: Orions Management Group, LLC
State: GA

Complaint narrative:
This complaint is a response to XXXX XXXX response to my original complaint. XXXX ID : XXXX XXXX stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the Orions Management ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, XXXX is no longer showing a balance on the Orions Management account and I have n't even made a payment towards Orions Management. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC
State: LA

Complaint narrative:
I set up payment arrangements with XXXX at EMG. She then reopened my loan instead basically renewing it. Since then I have been unable to pay. At this point they have now called my references and told them that they are COLLECTING on a loan. This was private information. They were only supposed to call the references to tell them that they needed to speak with me. Now everyone knows I can't pay my loan there. They called XXXX XXXX and spoke with her on the phone stating multiple times that they were calling to collect the money I owed. I am not ok with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
The debt posted below and attempt to obtain pass due balance is false. I notified the company that the debt does not belong to me. To please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. 

When speaking with the CSR i was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. 

Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. 


DEBT RECOVERY SOLUTIONS , LLC Last reported : XXXX XXXX, 2017 - {$980.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XXXX XXXX, 2017 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
You could dispute an error with XXXX. 


Creditor Information DEBT RECOVERY SOLUTIONS , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: WV

Complaint narrative:
I was charged for services that were shoddy workmanship and an unfinished job. Although I have pictures, text messages and a letter from my attorney XXXX XXXX XXXX XXXX card that I opened explicitly for this purchase refuses to stand behind me as a card holder and keeps denying my disputed amount of $XXXX.  After researching I have found countless other complaints that Citi will never side with the consumer and always denies claims. I will never own another Citi credit card and I urge other's not to as well. I have attached the letter from my attorney here.

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 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
OnXX/XX/XXXX, I called XXXX customer service regarding to an issue with airline fee credit and membership fee refund. They opened an investigation with reference number XXXX. I talked to XXXX whose employee ID is XXXX, he promised to call me on XX/XX/XXXXto let me know the investigation results. I got nothing from him on the XXXX, so I called on XXXX and was transferred to his voice mailbox. I left a voice message and asked him to call me back but got no response from him since then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: ID

Complaint narrative:
I contacted Convergent regarding an alleged balance from XXXX of {$1200.00} that is on my credit report. 

The billing they sent me dated XX/XX/XXXX shows a previous balance of {$1100.00} but no explanation how they came up with the owed amount with previous detailed charges. 

At the time of the service with XXXX, I contacted them because I was not getting cellular service like I was supposed to. XXXX explained to me that the reason for the missed, dropped calls and interruption in service was because they were in the process of repairing their cellular towers and that they had no set date of when the repairs would be completed by. As such, since I was getting no service and missing client business calls I had no choice but to cancel my service. I assume the majority of the bill was early termination fees and final month of service which obviously was not provided. Based on what they sent me in response to my request ( when a consumer asks for detailed charges simply sending a previous balance is not sufficient ). Their information is incomplete and I can not proceed with any type of negotiation with such incomplete information. It is my assertion that based on the lack of cellular service provided and local statutes in my state that prohibit utility companies for charging services that can not be rendered I should have no balance owed and this collection should be removed from my credit bureau record. 

I contacted Convergent via certified mail in XX/XX/XXXX. I also contacted the 3 credit bureaus in XX/XX/XXXXand one last attempt to Convergent in XX/XX/XXXX and have been working on getting this resolved since then. It 's been over 8 months and still do n't have a resolution. 

Attached is a copy of the billing they provided in XX/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 2018-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I currently work at the XXXX XXXX XXXX XXXX and have about $ 70k in debt from the XXXX I competed at XXXX.I 'm dealing with the XXXX XXXX regarding Public Service Loan Forgiveness and have run into a lot of inefficiency and confusion.I had been putting off filling out the PSLF Certification Form with the good faith that my organization and loan payment plans were  eligible per the program stipulations. The provided information makes the program seem very straightforward and implies that the certification form is n't really needed until you switch jobs. As I had n't planned to leave my organization ; I did n't fill out the form for over 3 years while I made monthly payments. As soon as there was some discussion about cutting the program, I decided to get my ducks in a row before that happened, should the program be reinstated at a later time. The first response I received indicated that XXXX was not an eligible organization. This was a huge shock as XXXX is a XXXX year old XXXX well-respected XXXX XXXX XXXX. My HR director assured me that other employees had received confirmations that XXXX is indeed eligible and that this must have been some sort of clerical error. Indeed it was, as I resubmitted the the certification form with the same information as the first form, but received a response that XXXX is indeed eligible. I was then informed that I had only made one eligible loan payment in almost 4 years of regular payments. I have been trying to rectify this for months as I applied for an eligible repayment plan and when I was put on that new repayment plan, XXXX in no way indicated that the kind of plan was different from what I had applied for. I had one phone call with a customer service rep where she supposedly put a " tracker '' on my account to review my previous payments and that this process may take a few months. I believe this was some sort of stalling technique.I called XXXX again and was told there was no way to review previous payments and that I would have to restart a new payment plan now. This would put me almost 4 years behind schedule for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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:
On XXXX XXXX, 2017 I sent a letter to Transunion asking what information they used to validate the following information on my credit report that they were reporting as verified. 
( XXXX XXXX XXXX ). I am submitting this complaint because I have a problem with Transunion investigation into my dispute. I was never given the 30 days by law to dispute the account before it entered my credit report. After having submitted via writing on XX/XX/17 the dispute. Transunion is reporting this as verified buy the company isnt legally allowed to collect in my state. and I havent been sent the information used to verify said debut. Per the FDCPA Once my letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. And since they have not supplied said information all collection information needs to stop.

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 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: AL

Complaint narrative:
Reps from Capital Accounts , LLC repeatedly call my telephone number regarding some unknown debt. They call telephone # ( XXXX ) XXXX several times per day. I have no idea the Debtor they represent because all of my debts were included in a Bankruptcy in 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX CALLED MY HOME AFTER TELLING ME WHO THEY WERE TOLD THEM NOT TO CALL ME AND HUNG UP CALLED DENTIST OFFICE THAT REFERRED XXXX XXXX XXXX THEY GAVE ME A DIFFERENT TOTAL - DISPUTING NOT INFORMED LEFT MESSAGE FOR MANAGER - COLLECTION OFFICE CALLED AGAIN TODAY - HUNG UP PHONE THEY CALLED ME BACK STATING WANTED TO VERIFIED ADDRESS - GAVE THE ADDRESS REPRESENTATIVE TOLD ME I HAVE A WEEK - THEN LAUGHED AND HUNG UP PHONE/

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 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Dates showing I missed payments when I was still in school. Payments should have not been due until after my semester ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
my mortgage was schedule to pay via bill pay from bank, received package from mortgagor asking to submit ACH, went online and submitted all ACH information, payment was supposed to start after XX/XX/XXXX payment, but XX/XX/XXXX payment was drafted despite bill pay was delivered & posted, contacted lender that this has happened ( lender do not have curtsy to notify their error ), they want to send complete bank statement and wait for 8 business days, they said there will be no payment will be due & drafted for the month of XX/XX/XXXX, loan statement received also states the same thing BUT surprisingly XX/XX/XXXX payment also drafted! so they have been recovering payment in advance for almost 60 days! Called the lender again XX/XX/XXXX employees were so arrogant and blunt and would not process the request and would not answer any question and keep arguing, asked for Supervisor - same response, asked for supervisor`s supervisor and explained the problem that lender has created, as they are charging me interest they should pay me interest for their error & refund me extra payment immediately that is the resolution I request. Improve their process to avoid duplicate payment and train their staff to response & handle such situation more professional manner. 
Employee # XXXX- not helpful, Employee # XXXX not helpful. Employee # XXXX helpful obtain info and assured work on request but no resolution.

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 2018-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I responded to an offer from Bank of America for its "Travel Rewards" card.  The offer included 0% interest for 12 months.  Prior to accepting this offer I had never had a BofA credit card of any kind.  I made my first transaction on XX/XX/XXXX.  My statement clearly reads "promotional APR 0% until XX/XX/XXXX."  On each of my last two monthly statements I have been charged interest on an outstanding balance.  I have twice contacted BofA to remove these charges and stop making further charges.  So far to no avail.I would like CFPB to intervene on my behalf.I suggest that CFPB detremine if this is a widespread problem.  I am sure that many people - especially those used to carrying balances on credit cards - could fall victim to these incorrect interest charges  without even knowing it.  Recent history, e.g., XX/XX/XXXX, suggests that large banks sometimes try to charge their customers for things customers never agreed to.

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 2018-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Payment amount went from {$22.00} to {$350.00} with no warning from XXXX, this was charged to my account through automatic debit and it is something I can not afford this month. XXXX has repeatedly not made themselves available to mitigate this issue. They do not answer their customer service hotline and I am unable to speak to a representative to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dates showing I missed payments when I was still in school. Payments should have not been due until after my semester ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened an account at Chase Bank back in X/2016 and immediately started having problems with them. I made a deposit of XXXX which XXXX is owe to me from my accounts. I have been more than patient on waiting to be credit to me from this bank and still nothing till today.I am requesting a thoural investigation of this account has it had been tampered with by branch personnel employees. I had several different accounts where is my Chase Liquid Account balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing you to lodge a formal complaint about 4 overdraft fees that were recently charged to my account. I am a dedicated online banker.  I love Bank of America’s to-the-minute online status updates.  It is just one of the many reasons I switched to BoA from XXXX.  Since joining BoA I have operated under the “as long as there is a positive amount in the account at the end of the day, you won’t get charged an overdraft fee” rule.  I was completely shocked to see four overdraft charges show up on a XX/XX/XXXX. What made the issue even worse is that on the next business day which was XX/XX/XXXX, I received a direct deposit.

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 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please see attached Method of Validation request regarding the public records ( state tax lien ) item as reported by Equifax, as well as additional documentation. It is my belief that this public record has been incorrectly assigned to my credit report and therefore, I am requesting further, more specific documentation from Equifax 's most recent investigation. 

Please note : Equifax stated the details pertaining to the public record item on my credit report were updated based on data retrieved from a third party vendor, XXXX. 
However, XXXX has been unable to validate this public record item upon my request, stating : No such documentation exists in our database. Additionally, as shown by the attached documentation, I have been unable to obtain any such lien documentation from the state of Georgia tax agencies. Due to this lack of documentation and validation, I must request further assistance from Equifax, as outlined in the accompanying letter. 

Thank you for your continued attention and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: CL Holdings LLC
State: CA

Complaint narrative:
Never got a account with The creditor and stablish credit with or card or i was bill for it However, i was found out that a 3rd party collection company reported me late with a balance of {$97.00} Jeopardizing my ability to obtain credit somewhere else This a real violation of my consumer rights and fair credit act I called XXXX on XX/XX/XXXX @ XXXX and spoke with credit representative XXXX XXXX Who confirmed that I never had any credit or nay relationship with the creditor And even had different address shown on their data base confirming that person was NOT me Rep recommended to have a direct dispute with the 3rd party agency since the account was wrongfully Charged off

Company response to consumer: Closed with non-monetary relief