vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling & Associates, LLC
State: MO

Complaint narrative:
I was contacted by Sterling and Associates first on XX/XX/XXXXposing as CCO and saying that I owed {$900.00} on a payday loan from XXXX. They told me that a warrant was out for my arrest for 2 felony charges and wished me luck in court if I didn't pay within 24 hrs. Reluctantly I paid {$500.00} on the XX/XX/XXXX and {$400.00} on the XX/XX/XXXXto handle the matter. I was contacted by the same company on XX/XX/XXXX stating I owed on another loan from XXXX {$1200.00}. This time they said they had a case # and multiple felony charges have been placed under my name and I again was facing jail time if not paid in 24 hrs. I reluctantly paid on the XX/XX/XXXX and XX/XX/XXXX. They sent me conformation of payment this time stating it was on behalf of XXXX XXXX and XXXX but paid out to XXXX XXXX and XXXX. I have looked up both companies and they do not exist and the phone # attached is from XXXX. I reported Sterling and Associates to BBB and they never received response from them on my case. Sterling is unaccredited with BBB and has an F rating with multiple complaints of Payday Loan Debt Fraud. I have paid this company {$2100.00} this year hoping to not go to jail and I have been told by BB, law enforcement, and lawyers that I've been scammed. I want my money back and these fraudulent companies brought to justice.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I have been a full time enrolled student at XXXX University since XX/XX/2019. I applied for the grant and loans and was approved on XX/XX/XXXX. I was told I would recieve 2 seperate checks one in the amount of XXXX and another in the amount of XXXX within 10-12 weeksre from the date of being approved. However XX/XX/XXXX my 12 weeks will be up and I havent recieved anything yet. I keep contacting my sfa, and my ssa and everyone i can at the school but they tell me they are waiting on the department of education to release the funds to them then as soon as the get it I would recieve the rest in the above amounts for living expenses. I decided to contact the department of education financial aid and was told as you can see in the chat below that the funds was sent to XXXX XXXX college the next buisness day after they recieved it. According to the college they have not recieved anything yet. I just want straight answers and I am not getting them. I have talked with other students and most of them recieved theirs already within like 6 weeks and only 3 others besides myself havent recieved anything yet. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
I noticed a collection account on my credit report that is definitely not my

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has failed to provide proper validation after repeated attempts in regards to Accounts for XXXX XXXX XXXX and XXXX XXXX. They continue to report these accounts after repeated attempts by me to send them letters from the debt collector and original creditor stating I am not responsible for these accounts. They are violating the FCRA by reporting these accounts erroneously. I have attempted to provide these letters repeatedly and have been given the run around by their customer care team. I am asking these be removed immediately as I have proof that I am not responsible for these accounts. On XX/XX/19 I sent a letter from XXXX XXXX XXXX being collected by XXXX XXXX   to show XXXX XXXX XXXX responded saying '' I am no longer responsible for this debt '' if this is the case Equifax is illegally reporting this account to my credit report. Also I sent a letter the same day from the debt collector on behalf of XXXX XXXX and they said the same I am no longer responsible for this debt. How then is Equifax allowed to report these debts when they are no longer valid?? I would like a response from them as to why they think they can continue to report these two accounts claiming they validated and I have letters proving otherwise. And continuosly denying that my letters dont change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I have noticed that AMEX have placed an inquiry on my XXXX credit file dated XX/XX/2018, XX/XX/18, XX/XX/18 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both AMEX and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I returned a vehicle to Toyota XXXX XXXX dealership after 3 months of not being able to afford the monthly payment of $ XXXX. I was not provided any type of documentation when I returned the vehicle in XXXX. Two months after the incident, XX/XX/XXXX, the Toyota credit is claiming they sent a statement with some due fees I owed from the returned vehicle. Which, I never received a notice in the mail in XXXX. After I began investigating this matter, I found out about it when i was denied a mortgage application, i called Toyota and they provided me with a copy of that statement that was sent out in XX/XX/XXXX. My account was sent to collections in XX/XX/XXXX, but I was never provided with a statement explaining the charges and my rights to dispute this account. I have never heard of this account from Toyota since XXXX, they do have all my contact information since i currently own a vehicle from the same dealership. I contacted a legal adviser and they explained my rights and they suggested me to start a dispute with the Bureaus and also to dispute the account with Toyota itself due to fail to comply with the law, which states I should of been notified as a consumer when they notified all bureaus about a collection and damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have noticed that BK OF AM have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both BK OF NA and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2019-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/19 I went to a Chase Bank branch to withdraw {$80.00} from a non-chase bank account using my XXXX XXXX debit card. After entering in my PIN number and selecting the withdrawal amount the ATM displayed an error and said to call Chase at XXXX. I called this number but they were unable to assist and referred me to my bank. Meanwhile, {$80.00} has been deducted from my checking account and my bank said it could take as many as 10 days to get it back after they dispute it. I have attached a copy of the receipt with the error message on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
LACING MY REPORT WITH FALS ENTRIES>illegal-FCRAXXXX 1. On XX/XX/XXXX, I received my Lexis Nexis C.L.U.E . Report for my car insurance. I am doing a re-rate next month with XXXXXXXX XXXX  XXXX XXXX. I do not have home insurance. 
On XX/XX/XXXX, I called Lexis Nexis twice-to dispute the items on my Reported Claim History For RISK. Attached, is the item on page 1, in the middle of the page. ( car insurance ) On XX/XX/XXXX, M XXXXXXXX XXXX XXXX XXXX XXXX ( fire and casualty ) for cause of loss XXXXamount paid {$3800.00} at the address of XXXX XXXX XXXX XXXX XXXX XXXX ( wrong address ), XXXX, AZ XXXX. False information-DELETE! -FCRA I disputed this- for my personal address is XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX . It is a mailbox at XXXX. 
There is no space for wind damage in my tiny mailbox for {$3800.00} as I informed Lexis Nexis. 

2. On page one, I disputed- at the top, " RECAP '' Risk 1 Claim Reported. Delete at once! Not mine. FCRA 3. On page 2, Lexis Nexis and XXXX   have NOT updated my payment information on Lexis Nexis report. FCRA XXXX XXXX ( last  activity-9/2018 ) I pay every month on time and its XX/XX/XXXX. That's 7 months of unrecorded monthly payments. FCRA XXXX XXXX ( last activity10/2018 ). I pay every month on time and its XX/XX/XXXX. That's 6 months of unrecorded monthly payments. FCRA 3. On page 3, Lexis Nexis must remove " revolving accounts past due {$2900.00} ''. Remove entire entry for it is not mine and false information. FCRA Remove 18 entries for inquires on the same day- XX/XX/XXXX Remove 2 entries for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. 
LACING MY C.L.U.E . and CREDIT REPORTS WITH FALSE ENTRIES -- VIOLATIONS-FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
ENTITY INVOLVED : CALVARY PORTFOLIO SERVICES, LLC. 

For nearly a year now ( since XXXX ), I have been trying to get erroneous collection data addressed on my credit report with the three credit reporting agencies. 

The erroneous data resulted in a denial of 3 housing opportunities in XXXX. As a XXXX XXXX XXXX, I am beyond frustrated with the reporting entities ' failure to follow federal rules and regs. 

As of XX/XX/XXXX : XXXX finally realized that Calvary Portfolio Services was reporting erroneous data that could not be verified, in violation of Federal Regulation V. 

As of XX/XX/XXXX ( and going back several years ), Cavalry continues to report an alleged collection account with an open date of XX/XX/XXXX to XXXX and XXXX. Upon written request ( dispute ), Cavalry they could not verify the proper account balance ( different from what appears on credit report ), the date the alleged account was closed, date reported or the charge-off date - to the credit agencies. THIS ACCT WAS RE-AGED by Cavalry despite no legal event that would allow re-aging. Per XXXX data, the account is about to turn 7 years old. 

As of XXXX, Calvary reports to XXXX that the contact info. for this alleged collection account is in XXXX, NY. However, Calvary reports to XXXX that the contact info for this account is in XXXX, AZ. This is another clear compliance violation. 

Interestingly, in XX/XX/XXXX, another company " XXXX XXXX '' sent me an invoice out of the blue and - says their client is Calvary SPV I, LLC, owns the account. Payment is demanded. This account over the Statute of Limitations and this entity is located in South Dakota. So, we have NY, AZ & SD offices and two different entities demanding payment on this re-aged alleged debt. 

Thanks to violative conduct by Calvary and associated entities as well as non-compliance by XXXX XXXX and XXXX XXXX by failing to properly obtain verification, harm has been caused to this consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
i filed individual chapter XXXX bankruptcy with help of attorney on XX/XX/XXXX, after mortgage servicer charged off alleged construction line of credit in XXXX ( and attemp to forclose my property twice in XXXX ) i filed individual chapter XXXX bankruptcy to find out who should i pay. 
while i was paying monthy payment during chapter XXXX bankruptcy per chapter XXXX trustee order, bankruptcy converted to chapter XXXX without any reorgonization meeting. ( and right away {$91000.00} transfered to trustee account from XXXX checking account withou my consent or knowledge ) while i was disputing and motion of appeal pending and mortgage servicer withdrawal its claim i evicted by XXXX point at me on XX/XX/XXXX by us marschal per BK judge void order exampt, husband and wife tenancy done on XXXX and avoided in bankruptcy court without due process of law and without my husband be party in bankruptcy case and he got partial judgment on XX/XX/XXXX ( void judgment order lack proof of claim and,,,, ) per 3 credit reports bankruptcy dismissed on XX/XX/XXXX with {$0.00} claim, {$0.00} liability

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Im writing this in regards to a 60day- late payment report made by American Express . I have an  American Express Platinum card and I had made a reservation using XXXX on XX/XX/18 for {$920.00}. I had canceled this reservation within the time allotted stated on XXXX website. However, XXXX refused to refund me my full purchase amount and wouldnt provide me with any credits close to the amount I paid. I called American Express hoping and submitted a dispute a few days later in XXXX of 2018. 

American Express kept closing the dispute and said there was nothing they could do after the inquiry they made with XXXX. Over the last 9months I requested over 8 times for them to reopen the dispute and when I called them in XXXX the would not dispute the amount and stated it was my responsibility to pay for a service that I never received even though I should have been refunded the full amount. I explained that because of this high transaction amount I would need more time. They were not reasonable and demanded payment immediately for a service I did not receive. I called them a few days ago after they harassed me by phone to pay this balance, and I paid it in full and stated I will still dispute the transaction at a later time. I always make on time payments with any creditor and I do not have any derogatory remarks on my credit. Can you please help me remove the 60-day late payment as American Express is treating me unfairly? Thank you for your time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: CA

Complaint narrative:
On going collection since XXXX. Received collection calls & letters regarding a Discover Bank card ( I was an authorized user and my son XXXX XXXX was the account holder ). I responded with a Cease & Desist letter as well as a Verification/Validation letter requesting proof ; such as application with my signature to the law firm handling the account, XXXX XXXX XXXX. They provided a copy of the application and a recent statement of the account. The application only has one applicant and one signature XXXX XXXX. I responded with a letter advising the application does not show my name or signature and that again I was an authorize user and according to the credit law I am not liability for repayment. In addition, the account holder filed Bankruptcy and was discharged XX/XX/XXXX. I provided proof of the Bankruptcy. XXXX XXXX XXXX filed a lawsuit against me for the Discover Bank account on XX/XX/XXXX. I received a copy of the lawsuit where the Proof of Service claims I was served XX/XX/XXXX at my son 's home, which I use as a mailing address. I am not a XXXX female as stated on the proof of service and I was in the state of Idaho in XX/XX/XXXX. I am retired and I travel from California, Idaho, and Hawaii. I have been dealing with this issue far too long. I have sent countless proof that I am not liable for this debt, proof the law firm sent me as per the Verification/Validation letter yet they still continue to violate the FDCPA, FCRA, and FTC laws. I sent a Certified Letter in XX/XX/XXXX summarizing this issue as well as requesting to file a Motion to Dismiss with Prejudice since I am not the responsible party and to provide proof of the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I selected a vehicle XXXX at the XXXX Florida Infiniti store located at NMAC XXXX XXXX, XXXX TX, XXXX. Customer service # XXXX. 

Dear Sir/Madam, I am writing this complaint due to an agreement that I was promised when I leased my XXXX vehicle during the month of XX/XX/2016 at the Infiniti of XXXX store located at XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX XXXX # XXXX XXXX XXXX. 

I was promised free maintenance on my vehicle for the term of the lease contract however when I first went in for my initial maintenance check there was nothing in the maintenance system that I had maintenance coverage for my vehicle and I then told him it was suppose to be in the system because I was promised it free for his manager / sales manager selling the vehicle I had selected sold my vehicle to someone else therefore for selling it to some lady customer that wanted a darker gray in lieu of the silver that was available that I ended up getting after he told me he would make the mistake up to me by giving me free maintenance on my vehicle for the life of my contract however later while checking my contract with Nissan it was discovered I was charged for my maintenance contract which I believe was done after my inquiry during my first maintenance visit. I also discovered that someone signed and initial a maintenance document on my behalf because the salesman tried putting a maintenance document in my original set of paperwork and I told him your manager stated that my maintenance was suppose to be free due to the mix-up on the car that I selected and sold to lady I mentioned previously I believe his name was XXXX XXXX and he now works next door for the XXXX dealership. I am requesting that I be reimbursed for the maintenance contract I was charged for and all interests and fees associated with the term of my lease which is still open until next year. In addition I believe my lease should be terminated immediately due to the misuse of my information inappropriately and the signing of documents that were not signed by me. 

Thanking you In Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I paid full amount {$190.00} owed to credit card and every since then I have attempted to close account and get my XXXX dollar deposit back from Capital One. They have refused and have sent two statement cycles but no deposit check. I don't want to do any business with them, just want my money refunded. This is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I sent money through my bank through XXXX and I got scammed by the recipient. I sent XXXX on XX/XX/2019 at XXXX I would like to report this to the recipients bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation