vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TN

Complaint narrative:
i received a notification in XXXX of XXXX that the power company in upstate NewYork ( XXXX XXXX ) had an outstanding charge in my name for {$110.00} from XX/XX/XXXX Upon investigation through National Recovery Agency in XXXX, PA it was determined that this resulted from identity theft. The charge occurred in XXXX and i moved out of New York State in XXXX. I subsequently filed a police report with the XXXX County Police and was issued an incident number on XX/XX/XXXX. Thereafter I submitted the incident number to National Recovery who advised me they would follow up with XXXX XXXX. After waiting more than a reasonable time I began making weekly calls to the representative with whom I had been speaking. Each and every time the recording stated that the person at that extension was unavailable and that I should leave my name and number and my call would be returned. To date I have received no information.

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 2021-01-05 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/2020, filed a fraud claim with Synchrony/CareCredit against XXXX  XXXX doing business under the name, XXXX  XXXX XXXX XXXX ( attached ). Asked for accumulated charges, billed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, in the amount of {$960.00} be refunded due to fraudulently billing and advertising for a weight loss program that offered weight loss monitoring, supervised medical health assessments and phentermine, a powerful weight loss medication approved by FDA. In letter provided by CareCredit, sent on XX/XX/2020, outlining the conclusion of its investigation, investigators acting on behalf of Synchrony/CareCredit determined that I am responsible for fraudulent service charges ( attached ). However, I disagree with the findings and the scoop of the investigation. The Fair Credit Billing Act ( FCBA ) states it was my responsibility to dispute billing error charges within 60 days of appearing on my CareCredit charge account statement. Synchrony/CareCredit investigators concluded that a doctor providing and billing nearly {$1000.00} for incomplete/fake assessment and issuing counterfeit prescriptions as a billing errors. I disagree with the findings and the scoop of the investigation. Therefore, in addition to charges billed by XXXX  XXXX XXXX XXXX, I amend my complaint to include a formal complaint against Synchrony/CareCredit for disregarding FCBA ( attached ). I have resubmitted my complaint to Synchrony/CareCredit. As continue to dispute charges in the amount of {$960.00}, I ask that CareCredit provide proof used to reject my claim and CFPB to investigate Synchrony/validity refusal to refund all charges billed XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Apothaker & Associates, PC
State: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX sent me court documents in the mail on a inactive case in which the judge ruled in my favor on XX/XX/2015. She tried to deceive me with the information that she sent me. She did not file a new Civil Action : with Superior Court Of New Jersey XXXX XXXX XXXX XXXX XXXX XXXX. The documents stated that I had to respond in 7 days to opposed or unopposed, if not, the order of garnishment of wages will be carried out. Back around in XXXX was her first attempt to collect my debt and this is her second attempt to collect my old debt in the amount of {$6900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: CA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My household had to apply for a forbearance plan due to a furlough. Once the forbearance period was set to end I opted to have all the missed payments added to the end of our mortgage for an extra 6 months of payments past the initial 30 year plan. I submitted on the website to go this route, sign and notarized paperwork to go this route, and yet despite that someone at LoanCare hit the wrong button and performed a completely unauthorized motion for us to go with a repayment plan instead of the loan deferral. I have called them 6+ times trying to take care of this until finally a supervisor today told me we are essentially stuck doing the unauthorized repayment plan despite there being notes in our account of approved claims for the deferral. I think they are trying to add a loan of missed payments to the end of our initial loan AND make us pay back what we missed during the forbearance as a way to double dip on a family that had unexpected financial troubles related to the pandemic. Now we can't even pay our normal what would have been due mortgage payment on XX/XX/XXXX because " their system is still processing ''. Well, it's been " processing '' for over 2 months now. They deserve to be sued into oblivion, I hope they go out of business.

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 2021-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I noticed that there are still four ( 4 ) private student loans that Navient is reporting to all 3 major credit reporting agencies : XXXX, XXXX  and XXXX  and is appearing on my credit report. I do not believe the information is being reported accurately, is not complete information and is not verifiable. I disputed all four private student loan accounts with all 3 of the credit reporting agencies several times, and they said the information has been verified and/or updated by Navient. 
The date opened, date closed, date of last activity, date of last payment, high balance, monthly payment history status, etc. are appearing different on each credit reporting agencys report and some of that information is not appearing at all. 
These inaccurate unverified accounts and information that is being reporting by Navient has also caused me to be denied credit, is negatively impacting my creditworthiness and my credit score. 
I called Navient 's number listed on my credit reports ( XXXX XXXX XXXX in the afternoon of XX/XX/XXXX to verbally dispute the accuracy and completeness of the account information being reported and spoke with 2 people in 2 departments. Neither of the people I spoke with were able to locate any information about the private student loan accounts that are appearing on my credit reports. They said they can not see any record of any private student loans in my name. I provided them with all identifying information requested to try and locate these accounts. The found a profile for me as an individual, but no visibility of any private student loan accounts associated with my identity. 
I sent a certified mail letter ( attached ) similarly worded to above that was confirmed to be delivered to Navient on XX/XX/XXXX ( USPS delivery confirmation attached ). Navient did not respond or acknowledge my dispute with them in any way, nor did they inform mark the disputed accounts as disputed on any of my 3 credit reports. 
Since Navient has exceeded their required response time of 30 days AND did not indicate the dispute status on my credit reports, I believe they are out of compliance with their obligations as a furnisher of information per the Fair Credit Reporting Act and likely are violating my rights as a consumer. 
Navient can not legally report accounts to a credit reporting agency if none of their employees can locate any information about the accounts existence to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian did not properly investigate and account is unknown to me please send info how account is verified XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account number XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX {$1200.00} Closed 14 charge-offs Account XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease Balance on XX/XX/XXXX Loan Amount {$1200.00} {$1100.00} XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Sales Contract Balance on XX/XX/XXXX Loan Amount XXXX XXXX Closed 5 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Sales Contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Self Financial Inc.
State: NY

Complaint narrative:
I opened this account in early XXXX and closed and paid this account in XXXX/XX/XX/2019. I noticed on my credit report that the account was still showing I owed a balance of {$870.00} and a monthly payment of {$150.00}, as well as saying I was late two or three times. This information was incorrect, and I emailed them and called on the phone. They asked me to provide proof so I attached pictures of my credit report. They told me it would be fixed, it was inaccurate and would be updated on XX/XX/XXXX. I waiting over a month, and checked my report to find that all reporting agencies had updated except XXXX. I reached out to XXXX filed a dispute and submitted documents to them showing proof the information was inaccurate. On XX/XX/XXXX XXXX said the documents were verified Accurate. I find out today, the last time Self Lender reached out to them to update information was on XX/XX/XXXX, and have not actually check any accuracy on my account. Mind you my email correspondence with Self Lender was on XX/XX/XXXX. Since then there has been no luck, and XXXX should have deleted the account because falsely stated it was verified accurate, when they never spoke with Self lender to verify it's accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I moved out of an apartment building rental called XXXX XXXX XXXX in XXXX XXXX, CA which is owned by XXXX XXXX. I never received any debt notification ( by mail, by e-mail, nor by phone ) from XXXX XXXX after that, until I started getting phone calls from a Collections Agency called Fair Collections & Out in XX/XX/XXXX. The Collections Agency notified me that I owed XXXX XXXX a repair cost of ~ {$500.00} but I did not know what I was being charged for. XXXX XXXX XXXX never attempted to contact me or explain this debt, even though they had all my contact information on file. I attempted to inquire about the debt by calling the XXXX XXXX offices in XX/XX/XXXX but after leaving 3 voice messages, no one ever returned my phone calls ( I assume these were special circumstances surrounding the recent outbreak of covid-19 ). The Collections Agency was threatening to increase the amount of debt that I owed, so I assumed that I had no choice but to pay the Collections Agency, and I went ahead and paid the outstanding balance in XXXX or XX/XX/XXXX. Now I am filing a complaint because this Collections is showing up on my Credit History, and is having a negative effect on my ability to apply for a loan. Due to the fact that XXXX  XXXX  XXXX  never contacted me about my debt before they sent it to Collections, and because of the special circumstances surrounding Covid-19 causing them to again be unavailable, I am asking for a deletion of the Collections Item from my Credit History.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I made a deposit of {$10000.00} casher 's check XXXX XXXX it did not post until the XXXX and then I proceeded to pay off my credit card. The first problem was they wanted to put the casher 's check on hold until after the XXXX XXXX  so I could pay interest on this twice. They reluctantly took the payment for the credit card. {$6600.00}. Then they double payed the card out of my checking account. This put my account over the limit and cause non sufficient funds penalties. Now my account is frozen and they said the would contact me at their convivence. And then I could ask to have the overcharges reversed and the extra interest with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: TN

Complaint narrative:
The company attempted to take unauthorized funds from my account based on what they said was online approval, which I can confirm I did not approve. I am currently in a chapter XXXX and did not realize I could not take out a payday loan so I attempted to work out a plan to pay the original amount, which they agreed upon of {$700.00} instead of amend the plan where they would be considered a non priority unsecured debt and receive nothing. They attempted ( after agreeing to the original amount ) to add a ridiculous amount of interest and say the amount is over {$950.00} and still accruing. They are a tribal loan and are not a registered lender in the state of WI. 

This is their agreement " The laws of the Tribe and applicable federal law will govern this Agreement, without regard to the laws of any state or other jurisdiction, including the Conflict of Laws clause ( s ) of any state. You agree to be bound by Tribal law, and in the event of a bona fide dispute between you and us, Tribal law and applicable federal law shall exclusively apply to such dispute ''. They are charging 557.91 % interest on a {$700.00} loan which would be over {$2400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: CO

Complaint narrative:
I offered to settle the amount owing to XXXX in full upon them furnishing the original instrument of indebtedness in its original form. I communicated with them 3 times over the course of several months. I had asked them to provide this verification of the debt legally existing by XX/XX/2020. Not only did XXXX make no attempt to provide me with the original instrument that created the liability, but XXXX didnt even reply to my communications with them. They did, however, harass my extended family members with phone calls. They called the same family members multiple times, informed them that I have a debt, and asked them to pass on messages to me. They did this even though they already had all of my information about how to contact me and communicate with me. Due to their inability to provide the original instrument of indebtedness, I informed them that I considered the matter between us to be legally and financially settled. When they finally did reply to ME and communicate with ME, on XX/XX/XXXX, they included something that was NOT the original instrument of indebtedness and continued to try to collect the debt. The letter from XXXX was simply signed XXXX, Customer Communications. There is no last name because nobody wants to be held liable for pursuing to collect an unverifiable debt. 

I am now being harassed by PHEAA, Pennsylvania Higher Education Assistance Agency, with whom I have no contractual relationship. They are third party interlopers, have no knowledge of the matter between myself and XXXX, and have no business what-so-ever harassing me. I have disputed the debt with them and informed them that the debt was legally and financially settled. 

It seems to me that there is no original instrument of indebtedness in existence which, again, settles the matter legally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
XXXX XXXX, XXXX XXXX, sold an apparent debt to Debt Recovery Solutions. This company neglected to send the bill to the correct address over 7 billing cycles and received returned mail. I was never notified of the purchases on the account nor did they send a bill to the correct address if the purchases were made. 

XXXX XX/XX/2019 was the time the bills were consistently sent to the wrong address. 

I contacted XXXX XXXX to inform them that I never shop at XXXX XXXX and if I did I would have not spent the amount on {$480.00} I asked why they couldnt inform me of the account, purchases and dates of purchase and they couldnt not provide me with this information being they sold it to a debt collector. 

I would like to dispute the charges as it may be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I told them the debt was from XXXX and it was not appropriate for them to be updating the " opened on '' date, and sound illegal. The representative I spoke with informed me they had been operating for many years like this and it most certainly was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX/XXXX I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX/XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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