vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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: Nelnet, Inc.
State: PA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : 1 ) NELNET LNS 2 ) XXXX  3 ) XXXX XXXX   This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I purchased a stereo from XXXX XXXX XXXX XXXX and an amplifier for my vehicle. i was making my payment on time to the leasing company that took the lease for the merchant. Early on in the lease I had a problem with A XXXX XXXX reference XXXX XXXX amplifier. when I took this itme back the merchant gave me problems returning the item in exchange for a new one. the end result was me given a used item off the shelf. Ilef the store no complaints. I later had an issues with an XXXX XXXX car stereo I returned the item and the merchant took it back, they adv me I would get my return receipts via email and text message the same way I got my other documents at time of purchase I said ok and left the store.. A  month later im still being charged the same amount by the leasing company. I put in a dispute with the leasing company to make adjustments to my lease and the leasing company said they were adv buy the merchant that the XXXX XXXX  XXXX was not returned I need help as the merchant is in possession of the property an i no longer have the item. I also explained to leasing company XXXX i want to return the rest of my items to cancell the remaining lease and they refsue to take the items back and make the adjustments for a item im no longer in possesion of. I want to make sure they do not ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The original loan that was through the Department of Education came through Navient between XXXX - XX/XX/XXXX. The phone call made XX/XX/XXXX specified the amount totaling {$25000.00} which is included in a debt consolidation program which starts with XXXX XX/XX/XXXX. A bill came in the mail dated XX/XX/XXXX from a collection agency, XXXX XXXX XXXX XXXX XXXX in the amount of {$8200.00}, claiming that it was transferred from Navient as a federal loan comprised of 6 loans. When calling to dispute the debt, the person on the phone claimed that not only does the dispute have to be in writing with a time limit of 30 days from the date of the letter, that they do not have any information on hand of the debt in question but it was considered in good standing and is being sent back to the company. The debt collector proceeded to ask about account numbers and amounts of the loan. 

This letter came soon after I had applied through the XXXX XXXX XXXX program for debt consolidation that was applied for in the beginning of XXXX of XXXX. I have paid automatically every month on this " loan '' for over three years with the payment coming out with the name " XXXX XXXX '' for {$300.00} a month, which was agreed upon. I do not have any further information on the debt in question except for the last four numbers of the account. The debt collector would not even give me my own account number for the bill they had sent to me to collect said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filling this complaint because I am tired. I have been fighting for errors and inaccuracies on my Equifax credit report for a while, but things becomes more difficult for me because I can't get approved for any credit application. I did online dispute, phone dispute even sending letters, but nothing. On XX/XX/2020, I decided to send them a series of letter about misinformation and negative items theywerereporting. They replied on XX/XX/XXXX and all inaccuracies were deleted. Two weeks after everything ( positive account ) on my credit profile was gone. I was in shock, I called immediately to let them know about what happened. Unfortunately, the guy over phone told that he was not able to locate my file and he stated there's discrepancies on my credit report, but he couldn't help me. My credit score was seriously damaged because of this issue. I have filed Bankruptcy or have a jugement on my credit report to deserve this. I called again and again trying to fix this matter, but my calls were unsuccessful until I find a gentleman who told me that my credit report contains a big discrepancy, he advised me to write a statement including my personal information, ID with currentaddress, SOCIAL SECURITY NUMBER for them to be able to help me resolve the problem. On XX/XX/XXXX I submitted my dispute including my personal information and on XX/XX/XXXX they replied stating that they were unable to locate a credit file in their database with the identification information I provided to them. In order to further assist me, they need additional documents to verify my identification. I sent them my full name, DOB, SSN CARD, ID with current address and my previous addresses up to 5 years. Until today I'm not able to get a copy of my free annual credit report. My fico score is low XXXX with no positive account and instead they putted back all inaccurate accounts they have deleted a few weeks before. I can't get approved for any credit application right now. It's so frustrating this situation. I really need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
Due to COVID19 and the fact my Gym Closed I called to cancel my membership which I was informed it would be cancelled. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Location was permanently closed. 

I received a collection letter today from First Credit Services and tried to explain the situation and was told even though the Gym was closed I still had to pay! This is fraud. I told them not to call me anymore and XXXX the Debt Collector got very aggressive and tried to tell me the Gym was open at the time I cancelled my membership which is not true. 

I would like this debt collection to cease and desist and for them to close it and not impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Cedars Business Services is attempting to collect a debt on behalf of an XXXX city, the city of XXXX. They are claiming an amount due of {$240.00} for a traffic violation, plus a fine of {$180.00}, plus a penalty of {$61.00}, for a total of {$4900.00} for a traffic violation. Cedars is also trying to collect a similar debt on behalf of the city of XXXX in XXXX. In both cities, I rented a car. In XXXX, in every other country, if there is a speeding ticket, it goes to the rental car agency and they take the payment directly from my account, plus a processing fee. So to me, this is very suspicious. Why are two traffic violations totaling nearly {$1000.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX XXXX AND XXXX. I HAVE ALSO FILED AN FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXXXXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-14 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX 2 ) NAVIENT 3 ) XXXX XXXX   This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX  and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the  consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney  General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 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: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I had a car loan for a XXXX Honda XXXX XXXX. I paid the bill timely ran into some employment issues filed a Chapter XXXX with the car loan paid slightly ahead. While being paid through the chapter  XXXX I was also making additional payments on the car loan to Honda financial services. The car was totaled in XXXX. XXXX XXXX XXXX XXXX   paid off the balance of the car before the end of the chapter XXXX. XXXX XXXX made an overpayment and a balance of {$130.00} was returned to me. Honda financial services then tried to recoup the one {$130.00} overpayment from me. I filed a complaint after they added this to my credit report. They told me that they would remove it. They never removed it and now are also refusing to remove the charge off status for the {$130.00} overpayment that was returned to me. I have the actual payoff letter from Honda financial stating that the car was paid in full. Currently when I call the representatives are ruled they refused to allow me to speak to a supervisor they hang up in my face and they refused to answer questions. I am hoping that someone would be able to help me rectify this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I had a positive balance in my account of over {$650.00} and pending items on my account that did not post. I had a check come out that was for {$650.00} now TD bank is charging me an overdraft fee on three items that were pending even though the items did not post. These transactions were small amounts each one under {$100.00} and now I am being hit with {$35.00} for each one. I tried to get the fees waived but was told that they already waived a couple of overdraft fees for me in XXXX. In my experience no other bank treats customers this way, they are out to make customers pay as much over draft fees as possible. Its really predatory. I just want my money retuned I cant afford to pay these fees now that I'm not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The account is close but and not mine and still on my report and I need it removed and I also have inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
ATTENTION TO QUANTUM COLLECTIONS ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company QUANTUM COLLECTIONS ( XXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve 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 explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
We opened a free checking account in XXXX with Keybank in XXXX, NY. In XXXX, we opened a home equity line of credit with the bank. We discovered a $ XXXX auto deduction on my checking account in XXXX, XXXX. We inquired about these charges with XXXX and XXXX XXXX at Keybank in XXXX. They disclosed that without our knowledge or consent, a bank employee changed our free checking account to a high-fee account requiring a minimum balance of {$100000.00} in order to waive the $ XXXX service fee. At no time in our long history with Keybank, did our checking account ever hold balances near {$10000.00}. The bank has removed a total of {$3100.00} in service fees through XXXX, XXXX from our account. We pursued a complaint and a request for restoration of these funds with the Executive Client Relations Group at Key, where it was handled by XXXX XXXX, XXXX XXXX and XXXX XXXX. At no time did the team communicate with me through email, in spite of repeated requests that they document their actions and decisions in writing. On Friday, XX/XX/XXXX, after XXXX XXXX on a three-day weekend, XXXX XXXX, Case Manager, called to inform us that a final decision  was made and that the bank took responsibility but would restore only {$2000.00} of the money they wrongly deducted. They would keep {$1100.00}. We told XXXX XXXX this was unacceptable, deceptive and fraudulent. Responsibility required full restitution of funds wrongly taken from our account. We asked for a decision in writing. He refused. We asked for a call from a supervisor. On XX/XX/XXXX, XXXX XXXX phoned, repeated that the bank would retain {$1100.00} as a final decision and refused to put the decision in writing. We asked again for a written determination and explanation of the bank 's retention of our funds. He vaguely cited that because we did not catch this automated deduction earlier we were not entitled to a full refund and hung up the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 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: U.S. BANCORP
State: NY

Complaint narrative:
I had leased a XXXXXXXX XXXX XXXX through The US Bank leasing program in XXXX, i was a making all the payments and In XXXX i moved to a different address and notified the bank because i was getting my lease bills through the mail. They failed to update the information in there system and the reported a missed payment to the credit bureau because I was late. That has destroyed my credit history. I am a veteran, trying to purchase a home. I have pleaded with them and tried to explain but to no resolve.

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