vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 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: CONTRACT CALLERS INC
State: CA

Complaint narrative:
This compliant is against XXXX XXXX in XXXX Az. 
The address related to this debt is from XXXX XXXX. 
In XXXX, the landlord left the power in my name after the lease was terminated and I had already relocated to XXXX I was not aware of this debt existing until XXXX. 
At that time I filed a dispute, sending in copies of my lease and proof that I that prior lease on XXXX was terminated. XXXX took no action. 
In XXXX, I relocated back to XXXX only to find out that this was still on my credit and this was the beginning of this debt negatively effecting my ability to secure housing AND even my ability to have power. 
They refused to turn on power for me unless I PREPAID my power. Which I did. 
I had power for 3 months before getting evicted and forced to move back to XXXX in XX/XX/XXXX. 
At this time XXXX started falsely reporting by billing date on the original debt from XXXX they are manipulating laws around statute of limitation, to make it in their favor. 

the second issues is that they have sold this debt. Discharged it for a year. as you will see in the evidence. And have resold this debt to a new collector.

I had my credit score improve 30+ point when this debt came off in XXXX. 
Now that it is back on my credit is below 500. I am not able to get approved AGAIN for housing because of this adverse effect on my credit. 

In my recent dispute against the new collector, CCI. They are still not able to provide chain of assignment or proof they can legally collect this debt, as it is required in Fair Debt Collection Practices Act, 15 U.S.C. 1692b ( 6 ) and 1692c ( b ), et seq. They even respond and say they will not sue me. but they will harm my credit as long as they can. 
Even with the fact that they are manipulating the dates of this debt to try and use statue of limitations that has long past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXX/XX/XXXXhas reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from XXXX evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX/XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  has reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from XXXX evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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:
XXXX XXXX  has reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from exp evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX/XXXX  XXXX  XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Good Evening, I submitted complaint XXXX against Capital One and XXXX  regarding a 30 day late on my credit report after I paid the indicated past due balance to Capital One. 

I received a phone call from XXXX with the executive office at Capital One advising me that she had reviewed my file and that I had paid the past due fee, which is not the past due amount. XXXX admitted that the statements can be confusing and that Capital One does not include the past due amount on their statements because they do not want you to pay the past due amount only, they want you to pay the amount in full. The issue I have with this is, if a consumer can not pay the full amount, it is not Capital One 's decision to take the ability to make the past due payment and avoid a 30 day late on their credit report away from the consumer. XXXXCapital One did not reverse the 30 day late as they state they were correct in reporting it because I only paid the past due fee ( which I understood to be the past due amount ). 

I find the practices of Capital One to be unethical. Per XXXX, I would have had to contact collections to find the true past due amount. My question to XXXX was, how was I supposed to know to contact Collections? Capital One is deceitful and very uncooperative. 

I also asked Capital One to assist me during my financial problems. I am currently a XXXX XXXX  XXXX, on full bed rest and unable to avoid the high bills I'm receiving every month from Capital One. I explained my circumstances and I was denied assistance with paying my bills. I was told there was not program that could be offered to me. I find this hard to believe! It only seems logical that Capital One would like to receive some portion of their payments every month instead of me not being able to pay them anything and having my credit ruined because of my unavoidable inability to pay. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I got this letter / bill in my mail box stating : Dear XXXX your account was sold to Portfolio Recovery Associates LLC. Your bank or creditor made a business decision to sell your debt. We purchased your account on XX/XX/XXXX that was 5 yrs ago. A letter is coming to my address when XXXX died XX/XX/XXXX all creditors were previously notified in writing and with a phone call. Its very disturbing to get a letter like this concerning a loved one who is deceased. XXXX XXXX  the original debtor was notified. Before collection is done they perform skip tracing and check XXXX, it shows if the person is deceased, date of death, etc. I know because I used to do collections. I truly believe this company bought this debt knowing XXXX was deceased thinking family members who are not responsible will pay. They need to be fined for deceitful debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
On XXXX, XXXX 2019 I received a letter in the mail from " Credit Collections Services '' stating that I owe {$530.00} for an unpaid bill from XXXX. The letter was dated to XX/XX/2019. I can confidently say I have no used XXXX within the past XXXX years. I immediately checked my XXXX account to see if I had any collection inquires. Nothing was reported as of XX/XX/XXXX. I called the number that the Credit Collection Services provided to me, they asked me various personal questions they should have had, including my name and address. I asked them if I could make a payment, and continued to ask them what the date on the collection was from. They said XX/XX/2019. I asked them what the bill was for, they said they could not disclose it. I asked them what was the address of the XXXX location in which I had a bill from. They were not aware of this address. Their website is also an unsecure website. I am aware of the recent breach in security in XXXX and do not want this to happen to anybody else.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: WV

Complaint narrative:
I have previously complained about my time share payment being delayed intentionally ( reordering transactions ). BB & T has denied delaying ( reordering ) transactions to cause an overdraft. This time, I called the time share finance accounting office, and in addition to stopping automatic check payments asked when the last transaction was submitted. I was told it was submitted XX/XX/XXXX, and it showed up on my banking app as being posted on XX/XX/XXXX. In the meantime, several other transactions were left pending, and then I was charged overdraft fees. 
On another account which is new, I was charged overdraft fees on PIN transactions which if I'm not mistaken, are required to be automatically opted out of overdraft protection, and were not. 

Since BB & T is reading this complaint : Dear BB & T, either refund the overdraft fees and appologize, or I will close all of my accounts. Your response to my last complaint was arrogant and condescending, and you also denied my home mortgage credit application. BB & T is proving to be worthless as a bank, and this is BB & T 's last chance to demonstrate that it also cares about it's customers in addition to making a profit. What I want to resolve this issue is for BB & T to return the overdraft fee for the automatic check payment on my older checking account, and return the PIN overdraft fees on the new account, and do not respond with nonsense about how I had an overdraft fee two years ago so you aren't going to return the fees. Which do you want, the fees or my continued patronage? It's one or the other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA
State: NJ

Complaint narrative:
XX/XX/XXXX received an offer to consolidate student loans at 3.75 % With American Education Services ( AES ) After 36 months of on-time payment the rate would drop to 2.75 percent. Even thought I made more the 36 payment time way before XXXX it was not given to me until I called in on XX/XX/XXXX. the balances consolidated were XXXX Subsidized and un-subsidized balance of XXXX. So I happen to check the month statement today and noticed balances of XXXX, XXXX and XXXX the monthly payment is XXXX XXXX applied to principal and XXXX applied towards interest. I called said this doesn't add up to 2.75 percent. They explained there is a daily interest rate added. That was not disclosed to me nor was it clear 33 year term to pay attached. This deceptive. Do not say 2.75 interest rate if there are daily rates attached just say so upfront. They failed to disclose this in plain writing for view. Looking at this now I am not getting 2.75 more like 40 percent monthly. Tell me the its 33 years or let me pick how many years I want to pay back. This is very deceptive to date I have XXXX and will not be finished according to schedule until XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I financed some furniture through Acima credit and they tried to hijack my checking account and have hijacked my credit report. They initially altered the terms of my original contract without my consent and increased the agreed upon billing amount from {$40.00} per week to {$170.00} per month. After several arguments about this over the phone where a representative tried to convince me that this is what I had agreed to, I requested a copy of the contract and was repeatedly denied a copy of this. Meanwhile, I received several phone calls daily from various unidentifiable phone numbers from people who identified themselves as representatives of Acima demanding bank account information or debit card information to resume payments. I made these people aware that I do not disclose this information to anyone for any reason and requested that a copy of a billing statement be mailed to me. They once again repeatedly refused claiming that they were a paperless company. I made several attempts to remedy the situation over the phone and was even denied a physical address where I could remit payment without having to provide information over the phone. This went on for several months. The entire time Acima has reported negatively to all three credit bureaus about this account while refusing to bill me or accept payment in any form other than over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
There are four accounts being reported incorrectly on my credit report, the first account is XXXX XXXX XXXX, the second account is XXXX XXXX, the third account is XXXX/XXXX XXXX XXXX, the fourth account is XXXX XXXX. Please delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX reported {$520.00} as unpaid to my credit which was incorrect, I disputed it and it was removed from my report. Then it was sold to another Jefferson Capital System bought the account and with no notice or a chance to dispute, they just reported it to my account and this has impacted my credit score and ability to get a job,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
In XX/XX/2019, My XXXX XXXX XXXX credit card promotion was to expire, so I went online searching for 0 % balance transfers and 0 % APR. American Express via XXXX, had just that. I applied, received the card, and on my 1st bill, I was charged a Balance transfer fee of {$89.00}. I called Amex several times to no avail. The humanbots seemed to be reading from a different script from what I read and understood on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ok let me try this one more time {$1200.00} is missing from my account I got a letter back from my first complaint which was not even correct anyways. Wells Fargo only read what they wanted to read. From XX/XX/XXXX to XX/XX/XXXX I deposited a lot of money cash except XXXX which was a check. I understand why the check for {$1500.00} dollars had a hold on it thats not my complaint. My complaint is when the hold was lifted on XX/XX/XXXX the remaining {$1200.00} was no longer there .i deposited plenty of cash in my account that month I also no I spent a lot of money and I also know what charges came along with it. I dont need the obvious pointed out to me what I need to find out is where did {$1200.00} dollars go between XX/XX/XXXX and XX/XX/XXXX and thats it 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 2019-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: TN

Complaint narrative:
For the past two years, I have being paying {$30.00} to Premier Student Loans and I discovered that none of my payments have been made to reduce my loan. This started around XX/XX/2017 and after speaking with XXXX XXXX, they told me they haven't received any payments from me and I have been making these payments to them.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: NY

Complaint narrative:
Performant Recovery communicated to XXXX  XXXX XXXX   that an audit of medical records was requested XXXX, XXXX and results of audit reported XXXX, XXXX to XXXX. No audit was requested, or performed by Performant Recovery of office medical records. XXXX began recouping patient payment monies based on this false information from Performant. This was first noted XX/XX/XXXX, with XXXX recouping XXXX in eft patient payments. Since XX/XX/XXXX, we contacted XXXX XXXX constantly, sent all medical records to XXXX in XX/XX/XXXX, in triplicate. XXXX XXXX provider relations will not address these issues and continues to obfuscate. Performant sent false statements to XXXX XXXX  XXXX. XXXX XXXX of Performant responded to my XXXX XXXX complaint XXXX about the falsified recoupment and gave the dates of audit request and review above, as we never corresponded with the company in XXXX. We received one letter in triplicate dated XX/XX/XXXX from Performant, stating no appeal could be made about this matter. No audit was performed! Performant in conjunction with XXXX XXXX stole XXXX from Patient payments to reimburse XXXX for custom fabricated medical equipment, dispensed to 3 patients in XX/XX/XXXX-XX/XX/XXXX,  and for which XXXX was reimbursed. XXXX legal team was sent all information certified mail XXXX and Has not yet responded. Performant sent me a nonsense fax on XXXX when asked for proof of this medical records review or audit having occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient reduced my automatic payment on there own without notifying me. When I called up they told me I did it myself which I didnt, then they said it was because I paid off one of my loans. The only loan that was paid off was done in 2015. They reduced my payment a few months ago. So it was not this either. They were unable to tell me why they reduced this payment. The end result they switched my payment back to what I had set up. If I did not catch this it would have prolonged my debt by years significantly increasing the amount of interest I would have to pay to Navient. When I asked to file a formal complaint I was told I could not do so. They annotated my account and that is it. I wanted to report this because I want to make sure Navient is not doing this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$3100.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation