vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-23 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: CA

Complaint narrative:
An account with XXXX XXXX was opened with a deposit of XXXX us dollars. The card only had a limit of XXXX which included my deposit that was in XXXX, It was passed on to portfolio dept. collection. On my credit report today they have it as the account was newly opened in XXXX. I have disputed it more than once and the dispute results that they agreed to take it off. They haven't and are still calling me for XXXX just this pass month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Out of the blue I decided to check my credit score and my old XXXX email and came to the realization that loans credit cards time share and emails that were sent out because of with the attempt or success of using my identity to open all sorts of accounts and trying to file taxes because my XXXX acct has been compromised as well. It was done without my knowledge or approvaland it's been going on for mos. I will allow you access to both of my accounts that prove fraud. XXXX XXXX is the pswrd for both. XXXX i did see the name XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX falsely reported a 30 day late payment on my XXXX credit report. I was never 30 days late on any payment. After bringing it to their attention, they still refuse to remove the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
An account with Capital One was opened with a deposit of XXXX us dollars. The card only had a limit of XXXX which included my deposit that was in XXXX, It was passed on to XXXX dept. collection. On my credit report today they have it as the account was newly opened in XXXX. I have disputed it more than once and the dispute results that they agreed to take it off. They haven't and are still calling me for XXXX just this pass month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
On XX/XX/18, on my XXXX report a company called " XXXX XXXX XXXX '' placed a collections account that does not belong to me for {$660.00}. 

I tried calling them but there has been no response by phone. Instead of sending them a letter to dispute I'd like to complain about this company because I don't owe any business {$660.00}. 

Also, there is no account number listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello so I'm not sure if I filled out the correct boxes but were do I begin. I started XXXX College of XX/XX/2011 and left at spring  break. The recruiter was trying hard for me to stay and was telling me financial stuff I didn't understand but I was already starting to hear bad rumors about the school so I quickly found another and jumped into XXXX College. During my enrollment they pulled up a screen and said sign here and here etc. This is for yur Grant 's for the year. As time passed I've noticed that when I'd asked questions about my student loans I'd get the run around. And one time I asked if I can have some of the money from my loan since I'm falling under hardship. They agreed and signed over a check in my name. A week or two passed and I was called to the office saying they messed up on calculations and I owe them money. I said how is that my fault? You guys do the paperwork I have no clue what you did. And so I was penalized by the school. Long story short after all this boost of saying we guarantee a job replacement when you graduate and doing mock interviews as one of our credited classes because they wanted us to be prepared for the real job interview. Before we graduated they told us when we had to pay back the student loans I think it was 3-6 mths later but not to worry because we will all have jobs in our degrees. Well after I found my own job as a on call XXXX  XXXX at the hospitals is when I found out that the schools that I attended took out * 24 DIFFERENT STUDENT LOANS * in my name from different places. I had NO CLUE TILL I GOT THE LETTER IN THE MAIL. I owe {$30000.00}. I got them to consolidate 24 loans into 14. That was the best they can do since there was so many. They don't even know how it reached to that many. After hearing about what was going on with XXXX, XXXX was under fire as well. So instead of closing there doors all they did was rename their school to XXXX College which now is closing there doors as well. I've tried fighting and reasoning with XXXX XXXX about my case but they tell me because I make good money I should pay it back. It took me 2 yrs applying to a hospital here in California were my job title is XXXX XXXX. My role is to XXXX XXXX XXXX XXXX XXXX XXXX but my main role is to XXXX XXXX XXXX. My degree in college was XXXX XXXX. I'm the main income in my house. I take care of my mom, little sister, my XXXX yr old son and husband. My mom is on XXXX and only gets {$500.00} mth. The XXXX XXXX wants me to pay {$310.00} mth in which I can't afford because I'm only guaranteed 24hrs at my job and try to pick up 2 extra days. So tell me is it my fault on the colleges mistakes on 24 different student loans and because of that as well my credit score is not so good either but I'm doing my best to keep in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX { {$270.00} } was sent from my Wells Fargo account through XXXX to a person supposedly named XXXX XXXX email address was XXXX. Wells Fargo confirmed the transfer by sending confirmation code XXXX to my mobile phone. That transfer occurred about XXXX PST. The money was in exchange for 2 basketball tickets at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The tickets were promised to be sent to my XXXX Email Account, but never were. I spoke with Wells Fargo the same day and they said nothing could be done. They did not offer to identify the bank connected to the email. I spoke with customer service at XXXX to no avail ; they said it was Wells Fargo 's issue and would not identify the bank that was connected to the email account in their system. I also informed XXXX of the fraudulent advertising. Everyone passes the buck and scams like this perpetuate. Hopefully you can gets Wells to reimburse me for this complaint. 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 2018-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged their own auto insurance when I already had one in place causing my payments to go to the insurance that WF placed instead of the loan itself. This caused the car to be repossessed. This was done knowing I had given a large down payment, caused a lot of confusion in the numbers, and WF made it very difficult to try and get everything straightened out. WF 's actions are deceiving.

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 2018-12-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
1st XXXX loss my hardship paperwork packet to have a forbearance of student loans, no one took ownership for it instead place my account with TN Dept of Ed for bad standing of my loans, which then landed my account with a 3rd party collection company which then sold my accont to another 3rd party collection company all this without one contact to me to let me know that I was ever in a bad standing with anyone. After I found out years later ( from missing money on my tax return and credit report pulled to see a Fed loan on it in bad standing w/ negitive marks/ points ) my loans was NEVER places in forbearance status.as I was told it would be ( only one of two options they ever gave me for my loan ). I called XXXX, TN Dept of Ed to find out what in the world was going on, after my repeated calls to XXXX, TN Dept of Ed for months NO one was welling to help me out or take ownership in their errors instead placed all blame on myself for everything that's happed and said I don't have a right to dispute the matter cause I signed that away when I signed for the loans to go to school and they have ever right to do everything that has happened to me thus far and will take my wages by garnishment. No one never once tried to fix their errors, recall my account from collections, or take ownership for the lost of my hardship paperwork they required for my forebearance instead advised me it was my fault I am now with their 3rd party collection company and they can not talk to me. My credit is effected poorly now, money took from my household ( a single mother of XXXX children ) that was over $ XXXX tax return from 2017 and the loans are still high due to the interest never stopped from day one til now ( when my account I was told was in forbearance years ago ) but never placed in that status with XXXX. 
XXXX side note a rep with XXXX even verified that I qualified for hardship in our call when I asked for another forbearance on my loan ( only two options i was ever given for help on my loan ) My account is still in collections and have stress for I don't know what next these people is going to do to me negatively to effect my household. I would have never tried to go to college if I knew i would be done like this and treated so poorly. Is this what the " American Dream '' is all about?! More like the " American Nightmare "

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Contacted Eastern Account System on multiple occasions, XX/XX/2018, XX/XX/2018 to understand where this debt was coming from. Insurance covered all costs and I copaid at hospital. I would like this debt immediately removed from my credit report because they can not find any paperwork to support my owning the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
tried via mail on XX/XX/2018 and phone calls XX/XX/2018 to contact XXXX XXXX XXXX XXXX in XXXX XXXX with no results. No return information for me to verify and no account found. I check my XXXX credit report and a derogatory mark for {$170.00} is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma
State: TX

Complaint narrative:
Tried contacting sarma collections on account XX/XX/2018 no account with that number matching my name or social security number. I have a derogatory mark on my XXXX   account and the information is not all the way displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Called credit acceptance XX/XX/2018 trying to inquire about a debt on my XXXX, XXXX and XXXX credit reports. The company instructed me to contact XXXX XXXX XXXX XXXX the attorney office could not find my name or social security number in any of their systems.

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 2018-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have repeatedly reached out to national credit systems for more information on the debt appearing on my XXXX, XXXX and XXXX account. I have called and the debt quoted to me does not match what is put online. I have tried to call original company and it is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A collection item has reappeared on my credit I previously disputed a collection item which was listed as a debt to a hospital the debt was deleted and has now reappeared with a different collection agency I have no contract or agreement with this collection company and do not own them anything I have never been contacted by them via phone or mail and have no knowledge as to who they are the item reappeared on my credit file with no communication or notice to me The company is XXXX XXXX XXXX and the debt amount is showing 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 2018-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX is not reporting complete and accurate information to the credit reporting agencies. On XXXX, XXXX XXXX XXXX is reporting as delinquent majority of 2018 while on XXXX, they are reporting as failed to pay. XXXX XXXX XXXX  isnt reporting any payment information with Transunion. The issue is that I have disputed this item on all bureaus but the results always return as verified as accurate. If the information on one bureau is reporting incomplete and inconsistent information on the other bureaus, how is any of the information verified as accurate? That just shows the negligence on the part of the credit bureaus exposing that they did not thoroughly perform an investigation. Attached are screenshots showing the inconsistencies across the 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 2018-12-23 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX is not reporting complete and accurate information to the credit reporting agencies. On Experian, XXXX XXXX XXXX is reporting as delinquent majority of 2018 while on XXXX, they are reporting as failed to pay. XXXX XXXX XXXX isnt reporting any payment information with XXXX. The issue is that I have disputed this item on all bureaus but the results always return as verified as accurate. If the information on one bureau is reporting incomplete and inconsistent information on the other bureaus, how is any of the information verified as accurate? That just shows the negligence on the part of the credit bureaus exposing that they did not thoroughly perform an investigation. Attached are screenshots showing the inconsistencies across the 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 2018-12-23 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: GA

Complaint narrative:
XXXX XXXX - XXXX  {$3000.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... account was settled ... 
... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: GA

Complaint narrative:
XXXX XXXX - XXXX {$3000.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... account was settled ... 
... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping  careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-12-23 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: Profit Services Group
State: GA

Complaint narrative:
PROFIT SERVICES GROUP {$76.00}, {$350.00}, {$770.00}, {$330.00} I challenge the accuracy, compliance and reportability of this listing.

There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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