vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Back on XX/XX/XXXXcontacted XXXX XXXX/collection asked them about this account # XXXX in the Amount of XXXX they advised me that they had Bought this credit card account from XXXX XXXXXXXX XXXX I advised them that the account not mine they look at the account that it was a valid account that I would with the CFPB case XXXX that was sent to the XXXX now the collection agency is caused my credit scores to Fall back in XX/XX/XXXXmy credit score XXXX XXXX XXXX they are now down to XXXX XXXX XXXX as of XX/XX/XXXX this Account was open on the Internet With out my Knowledge and yes there is a Police report made I also sent a letter of demand today by fax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I need to reduce the credit limit on my HELOC due to divorce. 

I have had three phone calls with Chase. Each time I call, I get different information about the process to reduce or freeze the account. The last time I called, I was told it would take 15 days to get a form to me, and 15 days after that to freeze the account.

I feel that the bank is be obstructionist about freezing the account. I am two months into the process of freezing this account. 

I have never missed a payment on this HELOC. The balance is approx 94,000. The limit is currently XXXX. I want to reduce the credit line to XXXX. 

The bank is now asking for my future ex wife 's signature to take any action. I can not get her to sign. So now I am finacially exposed due to Chase bank 's inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, XXXX and XXXX ) caused by Navient/ Navient Solutions ( formerly known as Sallie Mae ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that Navient/Navient Solutions ( formerly Sallie Mae ) is  currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of Navient 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, XXXX and XXXX  ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that Navient ( formerly known as Sallie Mae ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Received a letter from XXXX XXXX XXXX XXXXs ( XXXX ) saying I had an overdue account. I paid the account unknowing it was fraud and I had been given the incorrect information from XXXX. 
XX/XX/XXXX Called XXXX and filed fraud report. 
XX/XX/XXXX Received letter from XXXX " ... we removed the dispute ... credit agencies were informed. Allow 60 days to revise their records. On XX/XX/XXXX I received a refund for the payment I made on XX/XX/XXXX. I waited 3 months and checked my credit - the negative accounts remained on all 3 credit agencies. 
XX/XX/XXXX Sent letters to all credit agencies. Credit bureaus put fraud alerts on the account but did not remove the negative information. 
XX/XX/XXXX Sent 2nd letter to all 3 credit agencies. 
XX/XX/XXXX Letter from XXXX " The disputed account XXXX is currently not reporting on the XXXX credit file . This item has been deleted from the credit file. '' XX/XX/XXXX Received letter from XXXX - " The information disputed has been verified as accurate. '' I spoke with XXXX on XX/XX/XXXX and they stated the letter they received from XXXX stated the charges were legitimate, not fraud. This is not what the letter said that I received and sent to all 3 credit companies. 
XX/XX/XXXX Called XXXX XXXX, spoke with XXXX associate # XXXX who informed me I had to request to have information deleted. He was going to send another letter to XXXX and me a copy. I never received anything. I know this may seem trivial but I am proud that I have never had anything negative on my credit reports. I don't understand why XXXX can't remove the disputed negative account as XXXX did. 
XX/XX/XXXX Received letter from Transunion dated XX/XX/XXXX - didn't change anything - " verified as accurate ''

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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a checking account in XXXX of 2018 and was supposed to receive a {$100.00} bonus for being a new Bank of America customer. That did not happen as advertised. I met the required two {$250.00} direct deposits within 90 days and once the 90 days have passed I called to find out when would I be receiving that bonus. I was informed that they do see me applying for the {$100.00} promotion but somehow their system tracked my activity for a different promotion that required an aggregate direct deposit of {$4000.00} within 90 days. The representative seemed puzzled by this and couldnt give me an explanation. After contacting multiple departments and having me stay on the phone for over an hour and a half she simply said there is nothing she can do. Bank of America admitted it was their fault yet failed to correct their mistake and pay me the bonus they use to attract new clients. This is a true example of a bank using deceiving advertising tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I took out a student loan with Sallie Mae in XXXX. On XX/XX/XXXX my balance owed was {$16000.00}. Navient took over my student loan while it was deferred. When Navient took over my loan the balance owed on my account went back up to {$21000.00}. When I attempted to discuss it with the customer service representative they told me I was never down to {$16000.00} and that I owed the {$21000.00}. I requested they send me documentation of all transactions with both Sallie Mae and Navient. They sent me the attached paper. I have also tried to speak with them about releasing a co-signer and the representative told me I could not release him, but didnt give any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Portfolio Recovery Associates have been using countless phone numbers in pretty much every state to call me about a debt they claim I owe several times a day. They sometimes call before, after, or at XXXX MDT and never leave a voice mail message. They also call a different number I have in the same manner. Most of the old debts that were still on my credit reports last year have become charge-offs. I have no idea why they're constantly calling me. It's like they're trying to get me on the line and badger about some debt I don't actually owe. 

The phone calls have become harassing and senseless. I have blocked what seems like hundreds of numbers from them. Every time I block those numbers, they call from other numbers. PRA called today XX/XX/18 at XXXX MDT and left no voice mail message. Many of the complaints on CFPB and other sites list the same issues that I have. They are also referred to as a " bottom-feeding '' collection agency because they buy up old debts for pennies on the dollar and try to collect. They also try to collect on old debts that have since passed the states statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputing some incorrect information on my Experian credit report 3 time on report number XXXX and XXXX and XXXX each time I received a response back in 2 weeks. Each time the failed to properly investigate and sent back items were updated. I have read and followed FCRA to get an proper investigation but, I have failed to get a proper investigation. My 1st letter I sent in asking under FCRA section 609 ( 5 ) ( A ) to delete all unverifiable information that was discovered on my credit report. The second letter I ask under ( 609 Disclosure to Consumer ) My file documents Experian used to verified my accounts. They have failed to correct after 2 attempts. This is a voilation of The FCRA.

The 1st error is my XXXX XXXX account they have it listed as a charge off account. This is an error XXXX  is reporting it correct as a apaid as agreed account. I dispute this with the furnisher and they email me back stating that is not a charge off account. I have been trying to get Experian to correct this mark. I have attached the email XXXX dispute department sent me to prove this. I sent this email into Experian and Experian refused to correct. 2nd dispute XXXX XXXX XXXX they are showing a 30 day late payment in XX/XX/XXXX i disputed this error. Now XXXX XXXX and XXXX all reporting no 30 day late payment. I sent copies of the other credit reports and show you are the only credit report showing this late payment. They still have not changed the status. 

The 3rd error is XXXX XXXX I am disputing this account and ask for my file Under 609 Discclosures to Consumer asking for file to verify this account. Experian sent me back saying updated all Experian did was move the charge off date from XX/XX/XXXX to XX/XX/XXXX just shows they are not properly investigating any information on my report. 

The 4th and last item XXXX XXXX this is an error again I ask for my file disclosures they used to verify this account they have failed to do so. How does the cunsumer get the credit reporting agency to investigate your information. I ask Ask them to remove an address I have never lived at a PO Box address they refused to remove. I askThe are not suppose to be parroting information but do an investigation to make sure they are reporting correct information. Please help in this matter

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 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I setup a reoccurring payment with Toyota financial services on XX/XX/2017 to pay the loan on my new truck. The payment that was setup ended up being {$50.00} less than the contract amount. Toyota financial services made 10 payments at that amount and ended up charging me late fees with each payment and snowballed the account and reported it as being in default on my credit report. All 10 payments were made on time but since the reoccurring payment system withdrawal was for {$50.00} less than the contract amount. Toyota financial services never contacted me about this issue. The payment system should not have allowed the payment to be processed for less than the amount due. When I contacted them they would not return my call as promised and several email attempts have failed. I paid the account up to make it current and also adjusted the reoccurring payment to cover the proper amount due each month. I feel that Toyota financial services allowed this default to occur and collected on the late fees. I want all late fees removed from my account a don my credit report updated to show that all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In late XX/XX/XXXX I have attempted communication with Chase in regards to several of unauthorized inquires made to my XXXX and XXXX  credit files. ( XXXX inquiry dated XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX   inquiry dated XX/XX/XXXX ). I have requested Chase to forward documentation with my signature of authorization of which had not been produced. It at this point is a violation of the FCRA regulations. Again, Please produce validation of these inquiries. If proper validation can not be produced and Chase continues to report these inquires on my XXXX and XXXX files, I will have no other option but to file civil suit vs institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
This company is trying to collect {$850.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Noticed this on my XXXX XXXX and I dont recognize it

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Holdings, LLC
State: TX

Complaint narrative:
I was sent a letter by XXXX XXXX for a bill. She emailed me XX/XX/2018 the bill related to the fact I was unable to be reached. I received the bill via email and paid the bill by check. The checked was cashed by my bank XX/XX/2018. XXXX XXXX XXXX XXXX has placed a collection on my credit and stating is currently open and the amount is owed to them. I have outreached them to make them aware that the debt was not in collection per XXXX XXXX from XXXX XXXX and the bill has been paid and it is not an open case as it shows on my credit they have placed on my credit report ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Last XX/XX/2018, I sent a letter to this company as part of my rights to request debt validation. I clearly stated on my letter that I am not asking for verification that they have my name and address. I clearly requested that the account XXXX be verified and validated by providing me debt validation documents. It is now XX/XX/XXXX and MORE THAN 30 DAYS had already passed an I still have not received any proper validation document from this company which clearly is a violation of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: The Outsource Group, Inc
State: NY

Complaint narrative:
A charge of {$51000.00} appeared on my credit reports after a dispute with XXXX ( on behalf of XXXX XXXX XXXX. This account does not belong to me. 

I was shocked to see this report, after XXXX XXXX XXXX agreed during our numerous phone conversations that this is a case of mistaken identity. I have never utilized any form of air transportation. They confirmed that my social security number, date of birth and address did not match the client you were searching for. I assume all of the personal information i gave was used to trash my credit. 

Also please note that the date of service on attached bill below XX/XX/2016 was before I even resided at this address. In order to steal my identity, someone would have known where I was moving before I did. This is NOT identity fraud. It is fraudulent use of my information by XXXX. 

In attached, please note that my last name does not match their clients. 

They acknowledged that I was not their client. But then shortly thereafter, my credit score dropped from high 800s to XXXX. 

Since these mistaken charges have been placed on my credit report, I have suffered tremendous financial loss. 

I have sent certified mail dispute letters to each credit bureau, XXXX and XXXX XXXX XXXX. XXXX responded with mail assuring me that this is actually me. 

This is not my account and I would like this false information removed from my credit reports. 

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This company is trying to collect {$1400.00} from me for a bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/2018 I called Transunion. The customer service would not help and take care of the negative inquiries reporting to my credit report.

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 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Unable to Pay On Account witch Led to account being closed/ charge off

Company response to consumer: Closed with explanation