vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, 2018 I sent Diversified Consultants, INC a debt validation letter by certified mail asking them to provide me with the following ...

- Agreement with your client that grants you the authority to collect on this alleged debt.

- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Diversified Consultants, INC has failed to validate this debt as they only sent a copy of a bill which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly validated because a billing statement does not properly validate the debt and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28 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: DC

Complaint narrative:
I have been on an income-based repayment plan for a number of years. My federal student loans are currently serviced primarily by XXXX XXXX. In XX/XX/XXXX I received a standard notification that I would need to recertify my income by the end of the year in order to continue to be on income-based repayment in XXXX. In XX/XX/XXXX, I submitted the relevant paperwork and income verification to recertify my income-based plan. Despite this, my XXXX loan payment was approximately ten times what it should have been had I been under the income-based repayment. 

I noticed this, and gave XXXX a call explaining the facts and the situation. I was then told that my XXXX payment amount would be " reviewed '' and I would receive an email within 7-10 business days with the outcome of the " review. '' In fact, more than a month later after having called in again, I was only then told over the phone that the " review '' was unsuccessful and my XXXX payment would not be corrected. I never got the email I was promised, and to date have no idea what standard was used to " review '' my payment amount. When I called I was told that XXXX " billed 20 days in advance '' and my XXXX bill had already been processed, and that was why the XXXX amount was so much. 

My XXXX payment continues to remain the same, despite my XXXX and XXXX payments being the proper amounts based on the income-based repayment calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian has incorrect information my credit report. I have written them twice to correct the report errors, on XX/XX/XXXX and XX/XX/2018. The information contained the report is in error and has adversely affected my credit score. Further, it has resulted in an increase in my APR on my XXXX XXXX account. I have not received a reply to my letters in any form or manner. They show delinquencies which is incorrect, high balances on revolving credit cards which is incorrect ( all my cards with one exception have a XXXX balance ), they show I have recent personal loans outstanding which is incorrect, they have us residing at an address we have never owned or resided at. All of this was brought to their attention in my letter of XX/XX/XXXX and follow up of XX/XX/XXXX, with no response from them.

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 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valentine and Kebartas, Inc.
State: NY

Complaint narrative:
This company keeps calling about a debt apparently owed by someone else. Although I already told them I am NOT affiliated with the alleged debtor, they have continued to call me trying to obtain information I do not have. They are cynical and rude.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote to Experian, XXXX and XXXX asking them to explain why my credit score was lower than it should be. Specifically, i explained that I have perfect credit, no delinquencies, no derogatoriness, exceptionally low credit use to credit available, all credit paid in full monthly, all property owned free and clear, over {>= $1,000,000}. in liquid assets, XXXX debt and in over 50 years never a charge off or any credit issue. Considering all of this I asked why I am not a perfect 850 score. I asked that they either increase my score to 850 or explain how they calculated my score, about 790-815. It seems to change monthly. They send form letters stating that your score is calculated using four main factors. Delinquencies, derogatory comments, debt outstanding to credit available and total debt, which can be to high or to low. When you call to speak to a credit representative to ask them to explain it they basically say that is just what it is. I ask that if everything is perfect then why is my score not perfect or why will they not explain where and why I lose points. My latest letter was sent on XX/XX/18. All of this is verifiable. Their own reports corroborate what i am saying. i can verify the asset numbers and can verify income, which i told them i would do if they would agree to change my score to 850 if I did.

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 2018-02-28 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: CA

Complaint narrative:
XXXX, XXXX and Transunion all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.

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 2018-02-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.

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 2018-02-28 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: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
Me and my husband have a Harley Davidson financial account and it is reporting late payment for XX/XX/2017 and the payment was not late that month. I have tried to contact them on the phone and on the web site and all we get back is : Good Afternoon XXXX and XXXX : Thank you for contacting us with questions about your loan and for using XXXX. 

We have reviewed our records and determined that your account is being accurately reported to the credit reporting agencies. Accurate credit reporting is required by law ; therefore we can not remove any payment history that has been previously reported. 

If you have any questions, you can reply to this e-mail or call Rider Services at ( XXXX ) XXXX-XXXX, and one of our representatives will be happy to speak with you. 

Enjoy your ride, Rider Services Team Harley-Davidson Financial Services Which is not correct we paid in XX/XX/XXXXfor XX/XX/XXXXAND XX/XX/XXXX I have attached my bank statement for that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

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 2018-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Coastal Credit, LLC
State: VA

Complaint narrative:
Coastal Credit at the end of my loan term stated that I owed an amount of approximately {$230.00}. I continuously asked for a payment history and options to pay this amount as the business was no longer from my understanding in Virginia. I called Coastal Credit several times without success to receive this information. I became very ill and lost contact with this company. I then begin to receive calls advising that the balance had gone up to over $ 16K which is basically the amount paid for the vehicle. This amount I am told is interest, including late fees and charges assessed for an Attorney. 
Had Coastal Credit and namely an employee by the name of XXXX XXXX given me the information I requested various times rather than tell me to contact their attorney and when I asked for the attorney information then advise me that he could not give me that information that I would need to get it, this could have been rectified. 
Today XX/XX/XXXX I was transferred to an individual by the name of XXXX that advised me that I was taken to court in XX/XX/XXXX and they received a judgment for $ XXXX I called the court the courts state there is a document signed by me, yet I did not appear so who signed this document. Then XX/XX/XXXX someone by my name came to the court and filed an exemption to stop a garnishment, that is not possible as I was injured at my job XX/XX/XXXX and then back and forth to physical therapy so I again could not have appeared in court for this either. This situation has me very confused and very stressed. I am going to the courthouse to obtain these documents that I supposedly signed. My main concern is how a company can take such a small amount owed and turn it into another vehicle purchase price amount. I now have another court date on XX/XX/XXXX in regards to this situation and the fact that I have not made any payments. Their lack of honesty and lack of providing a running statement that shows beginning balance and credits has proven to be very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: NY

Complaint narrative:
I, XXXX XXXX, was doing business with Discover card since XX/XX/XXXX. They took out protection policy for me without my knowledge. I paid for this unnecessary action up to XX/XX/XXXX. I just happen to notice it when I'd final paid off the balance due. But Discover card still took out money from my account. And, NO notice was given that my account was paid off! I had to call them to stop. Otherwise, they would have continued. It was then that I noticed the unauthorized protection payments. The agent I spoke to stated the company would refund me {$300.00} and that the check would be sent to me if I kept my account open. I was told this XX/XX/XXXX. I kept the account open until XX/XX/XXXX. I'd waited but no check came. I called to find out when I'd get the money. I was told XX/XX/XXXX that I would be paid only {$22.00}. I was lied to.This is not acceptable cause a deal is a deal.Thank you for your help XXXX XXXX, Email : XXXX, cell # ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.

Complaint narrative:
I sent a letter via certified mail to EOS requesting that the validate the debt. The letter was signed on XX/XX/XXXX. EOS sent me a settlement offer. I sent out a second request and disputed with XXXX XXXX XXXX. They are reporting as verified and meets the FCRA with no actual proof that it has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
USAA Allowed a 3rd party company to make an authorized debit. I provided the necessary documentation and USAA refused to process the claim as fraud / unauthorized transaction. 

My account was charged on XX/XX/2017 in the amount of {$490.00} and XX/XX/2017 in the amount of {$490.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a Care Credit Card for medical use with a limit of {$2500.00}. I was never informed that my credit limit would decrease to {$1000.00} - I found out by looking at my card info via the Care Credit App on my mobile device. I then contacted XXXX XXXX and was told about no longer having a {$2500.00} limit, it now shows only {$200.00} limit. 

I believe Care Credit is unprofessional with their tactics on reducing your credit limit without informing the customer with a reasoning.

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 2018-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On XXXX XXXX, 2018 I sent Resurgent Capital Services a debt validation letter by certified mail asking them to provide me with the following ... 
- Agreement with your client that grants you the authority to collect on this alleged debt. 
- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful They failed to do so. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

Resurgent Capital Services has failed to validate this debt as they have not sent anything to validate the debt, the letter they sent just states they have initiated a review of the account which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly verified because they did not properly validate the debt and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2018, my daughter attempted to withdraw {$200.00} from a XXXX ATM XXXX XXXX XXXX XXXX Texas from my American Express Serve, prepaid card. The ATM displayed several error messages like card reader issues. Her last attempt she stated the machine made sounds as if the money was transmitted, however the cash never dispensed. I contacted American express and initiated a dispute. I faxed the required documents at least twice within the ten day time frame. On XX/XX/18 American express completed their investigation stating the ATM confirmed the withdrawal. On XX/XX/18 while using the same ATM the machine displayed the amount requested of {$500.00} was too large, I then requested {$400.00} and the same message appeared. I lowered my request to {$100.00}. The machine made sounds as if the money was dispensing. Took longer than normal. Finally a message appeared on screen stating they could not dispense the cash and to contact my bank. I contacted American express again regarding both transactions and I am awaiting response. I attempted to contact them on the first dispute but their automated phone system continued to drop calls. I also requested a copy of their investigation report and have been refused that copy.

Company response to consumer: Closed with explanation