vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been going back and forth with Navient, as well as a dirty tactic collection firm named XXXX and XXXX, as per the XXXX XXXX Courts reps I have spoken to. I currently have XXXX private student loans showing on a record pulled by my credit union that are showing as court based judgements, even though I have worked with Navient to get these corrected. I spoke to a rep in their executive services office who worked with me to get them out of the judgement/collection, supposedly out of the office of XXXX and XXXX and off my records. I was illegally garnished for almost 2 years and this was lifted based on Navient FINALLY pulling it. Once pulled, they told me they would be off my record, back in their office and out of XXXX and XXXX, which none of these things have happened. I still have them on my records, have been unable to defend loans which ARE NOT mine and they are still illegally listing them under judgements, which they said would be lifted. I was never served papers in order to defend myself, never given my day in court to force them to prove they are all mine ( Which most are not ) and Navient has failed to live up to promise after promise to fulfil what they said they would. They consistently state " Under court terms '' and throw these complaints out, which is unfair to me. If they are not pushed to follow their own terms, I will be forced to join some class action lawsuit against them for their lying practices, when all I want are these off my records. These are causing me to be unable to buy my mothers home, which was offered to me and are causing me irrefutable damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
My original debt was to XXXX XXXX bank. My credit report shows LVNV funding as the debt holder now. When I call I'm told the company is named resurgence collections. Resurgence will not tell me anything without me giving them my social security number. I refuse to give it to them and they will not allow me to get any info or pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I entered into a contract for a 36 month lease through Nissan Motor Acceptance Corporation in XX/XX/XXXX for which I have monthly payments set up through my bank auto-pay feature. On XX/XX/XXXX I logged into my NMAC account to find the payment for next month had increased by {$3.00}. When I called NMAC to inquire about the increase, the representative advised that there were 9 counties in Florida that increased sales tax this year. She went on to mention that my county, XXXX XXXX, increased from 0 % to .05 % which increased my lease payment. I asked the representative whether NMAC contacted me to notify me of the payment adjustment and her response was, " No, this was something that was voted on in your county & not Nissan 's responsibility to communicate. '' This is completely unacceptable. Had I not checked the XXXX site on my own accord & because I have auto-pay enabled for this lease I would not have known about this payment increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Innovis
State: GA

Complaint narrative:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: LEXISNEXIS
State: GA

Complaint narrative:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: VA

Complaint narrative:
On XX/XX/XXXX I disputed enormous accounts on my credit file, on XX/XX/XXXX I  received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. 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 2019-02-19 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: VA

Complaint narrative:
On XX/XX/2018 I disputed enormous accounts on my credit file, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have opened a complaint against Portfolio Recovery associates for not validating a debt after I requested. 
Today I logged on to look at my credit report and it shows that I have made payments to the same supposed XXXX XXXX  account. I have downloaded and printed 3 years worth of bank statements and do not show any payment history to XXXX nor Portfolio Recovery. The only reason that there would be false payments to the account is to illegally re age the account. These are two violations of Fair Debt Collection Practices Act on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX Re : Disputing errors on credit report I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : [ Diversified Consultants INC -  on behalf of XXXX ] I have reached out to both XXXX and now Diversified Consultants on XX/XX/XXXX more than 30 days ago in regards to providing me with a itemized bill or agreement for this account. I also initiated a dispute through XXXX and XXXX XXXX. I have no recollection of establishing an account with this provider. It has been over 6 months. I have not received any proof of establishment of this account. The first outcome was a balance decrease. from XXXX to now XXXX. The second dispute result left comments on the bottom of my credit report that states that I am disputing this account. 


Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: TN

Complaint narrative:
I was seen at XXXX XXXX XXXX in XXXX XXXX, GA in XXXX. I told the hospital I had insurance through XXXX. XXXX XXXX XXXX ( XXXX ) is claiming I didn't tell the hospital. It makes no sense for me to have gone to a hospital and not tell anyone I had health insurance.. 

The hospital went bankrupt and shutdown without ever sending me a bill. Since XXXX the hospital has gone through a couple of different owners. I never received a bill or anything regarding disputing this debt. I did not know about the {$3400.00} bill until it appeared on my credit report via XXXX XXXX XXXX in XXXX. They only sent a letter after I called, but claimed they sent one before that. My insurance company refuses to cover the claim because it happened over a year ago. The hospital should have notified my insurance. I should not be liable for nearly such a large sum of money due to a mistake of a bankrupt hospital from years before and a credit service not properly notifying me. There is no excuse for it to have taken so long to show up on my credit report to begin with. If someone had let me know within one year my insurance could have covered it but now it is too late. 
I had to call XXXX XXXX XXXX multiple times to even get someone to pick up. The first time someone picked up they were having a personal conversation with a friend and hung up. I am seriously concerned about the lack of professionalism and these people having my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I bank with chase about 2 months ago my account was compromise the bank failed To contact Me they let somebody go in the bank and put a {$900.00} check in never detected it was fraud as result of that they closed down my college Account due to them not doing there job to protect my account and they failed to give me back my college account when costing down the old account so now have to pay {$12.00} maintenance Fees which I feel its not fear since they didnt protect my account. I think I should have got another college account because thats what I had before my account was compromised its not fear to have someone have to pay {$12.00} a month when I was paying {$6.00} a month I feel that I was done wrong they never protect my account they let someone go in the branch and put a {$900.00} check in. Never ever said nothing only way known was checking the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19 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:
I had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the  disputed issue.

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 2019-02-19 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:
I had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the disputed issue.

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 2019-02-19 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: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
My wife of 4 years had substandard credit and I co-signed a loan with her for a new Honda 2 years ago financed through American Honda. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted American Honda and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate.

I would say that this approach by American Honda is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for {$25.00} K, not 2 loans, to put it succinctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I HAVE ASKED CAPITAL ONE ON SEVERAL OCCASIONS TO REMOVE THE LATE PAYMENTS FROM MY FOUR ACCOUNT WHICH OCCURRED XXXX-XXXX XXXX AND XX/XX/XXXX DUE TO ILLNESS AND BEING ON XXXX AT THE TIME THE LATE PAYMENTS OCCURRED. CAPITAL ONE HAS NOT BE FORTHCOMING WITH REMOVING THE LATE PAYMENTS EVEN WHEN I SUBMITTED TO THEM COPIES FROM THE XXXX OFFICE AND DOCTOR CONFIRMING MY XXXX AT THAT TIME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America sent me a past due notice today XX/XX/19. The full amount due was {$1400.00}. I immediately made a payment of {$1200.00}. I had the funds, just forgot to make the payment.I then wanted the {$25.00}. late fee reversed. In the past due notice was a message that said, " We're here to help, we appreciate the opportunity to serve your financial needs. Please call us at XXXX '', which I then did. I received a recorded message that said, '' We appreciate your business '' and then menu choices. At XXXX XXXX   they gave me a call back from the Virginia Office of BofA. I explained why i didn't make the payment, told them I had just made almost the entire payment, and would they please reverse the $ XXXX.fee. First person said no, I was not eligible to have the fee reversed, I asked why, she said, We don't need to give you a reason, you just aren't eligible. '' I asked to be connected to her supervisor, she connected me to her supervisor named XXXX from Virginia office, she said " it doesn't matter how long you have been a customer with us, and that you wiped out almost the entire balance, you are not eligible for a fee reversal, because you have not lived up to the terms of the agreement you made with BofA to make a timely payment '' ( paraphrase here ) I asked to be connected with the supervisors supervisor who word for word echoed the same statement as # 2 supervisor. All from the Virginia office of BofA. No regard for the fact that I have been a long-standing BofA customer, am XXXX years old, and on a fixed income. {$25.00}. means alot to me.

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 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
Following my workers comp XXXX on XX/XX/15 I began receiving an invoice for a XXXX  to XXXX  the XXXX  on my XXXX XXXX. I called XXXX and explained the charges are to be submitted to the Dept Of Labor. The company later sold the invoice to a collection company, XXXX XXXX XXXX XXXX for collection. This company was also notified of the case number for workers comp and they returned the debt to XXXX. The debt was again sold, this time to KLS Financial Svcs, who have harassed me relentlessly for an inflated collection amount that I am not responsible for. 

XXXX XXXX XXXX XXXX has allowed KLS to place a smear on my credit file and has not assisted me in removing this inaccurate information. Following the credit dispute process both XXXX  and XXXX  cleared my file, but XXXX  is expecting me to work it out on my own. 

I have complete documentation of my workers comp case file and request my credit file be cleared of this slanderous accusation about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: PA

Complaint narrative:
Experian does not show account # XXXX XXXX XXXX XXXX on my credit report and I have had this account for several years. In which there is no balance at this time. I have also attach a copy of my last billing statement for XXXX XXXX Bank

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 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a call from Genesis Credit Management, specifically an individual named XXXX XXXX. He called to tell me that I owed $ XXXX for a judgment that was already settled. When I advised him that I had an attorney who was retained & told him the first name of my attorney ( I was so stunned at his aggressive & threatening tone that I forgot the last name of my attorney ). He then began literally mocking me, saying " yeah, right. Everybody has an attorney. Just pay your bill, I know you don't have an attorney. '' I, again, stunned at his open mockery, told him that he can not talk to me like that. He again aggressively demanded that I just pay the money, that he knew I didn't really have an attorney. I tell him that, as an attorney myself, I knew my rights & that I would be filing a complaint against him. Mockingly, he says, " oh really, with who. '' I say a consumer protection bureau & he again mocks me, tells me just to pay the money I owe. The entire experience was not only humiliating, but horribly offensive. I have received no billing from Genesis Credit Management & no other indication, other than this horribly offensive, aggressive & threatening conversation with Mr. XXXX, that any amount is owed. After demanding to speak with his manager, she seemed somewhat more helpful, but I still dispute the validity of this debt. I gave her the phone number for my attorney & was FINALLY advised that since I had indicated that I was represented by an attorney, they have to consult with him.

Company response to consumer: Closed with explanation