vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am from XXXX XXXX. In 2017 we were impacted by Hurricane Mara. After the Hurricane passed through the island everything was devastated. I lost my job, my house and everything that I have 'd. I didn't stopped making my auto loan payments with Banco Popular of Puerto Rico. After that I had to start making XXXX because I was unemployed and that was the only way I could provide food to my family. During a XXXX trip I was involved in a car accident where my car was declared total loss. I called the bank and told them about my situation and they told me that there was nothing that they could do. I had to stop making the payments of my loans ( because of income loss ). I was and still without a car and a job. I am struggling really hard. The insurance company payed them for the total loss. The bank closed the account, send it to a debt collector but when the check from the insurance company was payed they grabbed the account again ( but leaving it closed and with the late payments ). They are calling me and threatening saying that I still owe them {$1200.00} in charges and fees owed to them. I am still unemployed without a car. Moved with my grandmother and I am in a very deep XXXX ; I am seeing XXXX and XXXX. I am writing to see what can be done in this situation. In my credit reports it says that I owe them {$310.00} and they are telling me I owe {$1200.00}. I will be posting a copy of the report of that account, also you are authorized to check my IRS non filling for XXXX.Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX  and not XXXX. I have no negative items on my XXXX  but they have done nothing to XXXX  besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. 

NEGATIVE INFORMATION > COLLECTION. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
COMMONWEALTH FINANCIAL IS IN VIOLATION OF 15 USC 805. Communication in connection with debt collection. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I NEVER RECEIVED ANY TYPE OF NOTICE FROM THEM COMMONWEALTH FINANCIAL ASKING FOR CONSENT TO CONTACT ME NOR DID I RECEIVE ANY LETTER FROM THEM GIVING ME THIRTY DAYS TO DISPUTE THE DEBT.

15 USC 1692e 807. False or misleading representations.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this.COMMONWEALTH FINANCIAL WITHOUT MY PERMISSION CREATED AN ACCOUNT IN MY NAME AND REPORTED MY SOCIAL SECURITY NUMBER, NAME, ADDRESS, WITH A FALSE AMOUNT AND WITHOUT AA CONTACT.THEY STOLE MY IDENTITY AND THIS IS A {$1000.00} VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Today, XX/XX/XXXX I went to pay my loans through Navient. I planned to pay extra as well. My loans are due today and I had a late fee of {$120.00} I had to pay. This was a total of {$250.00}. I played all of it so that I was current and no longer charger but I do want that money back or to go to the principle of the loan of my choice. I don't feel I should be charged because it is still the XXXX. I attached a picture that shows the date today and the payment due date being today. My payment was made around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One reported " computer issues '' in XXXX of XXXX that somehow affected their apps displayed minimum payment due with the actual amount due. Since I was enrolled in paperless billing at the time, I did not have a physical statement to compare the payments to. The app stated that I needed to pay {$57.00} dollars in XXXX when I actually needed to pay {$59.00}. They are reporting a thirty day delinquency on my credit report over the {$2.00} shortage. Yet they have admitted that it was a " bug '' in their app 's software. In light of all their recent cyber troubles I insist that they remove this delinquency. This account has been open since XXXX and I've never been late. Something is not consistent with their false accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: GA

Complaint narrative:
This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hello, I am filing a complaint on a late payment that occurred on XX/XX/2017 until XX/XX/2017 with Comenity Bank / XXXX XXXX. At the time i was facing a financial deficit, and tried working with the Bank for assistance before it could affect my credit. Unfortunately, they decided not to work with me with my situation and this caused me to have a bad enquiry against my credit. As you can see on my new Credit Report, i have always been up to date since. I am requesting to have this negative inquiry removed sooner. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX : Equifax breached caused the major violation this has taken more than 45 days which is also a violation XXXX charge off was also included in the report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been a victim of fraud through XXXX services and multiple crazy items were sent to my home daily from XXXX. I do not have a XXXX account. It was some sort of scam and fraud. I sent all items back to XXXX through XXXX XXXX. I immediately stopped some of the charges when my credit company alerted me. I have been fighting this fraud for months. This is all done on my Bank of America credit card. 

XXXX came to pick up my return to sender items. XXXX was contacted multiple times as was Bank of America and in the end Bank of America declined my fraud dispute and wants me to pay for it. 

I am a senior citizen.I have no idea how this all occurred and why. I have been a good standing card holder of Bank of America for decades. 

The disputed amount was posted on XX/XX/19 for XXXX. 

I am sick over this. I shouldn't be put through all this stress at my age. I just want these fraudulent charges taken off my account and my account closed after this. I am disheartened that they have not defended my case in this after being with them for so long with no other issues.

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 2019-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: OH

Complaint narrative:
I live in Ohio and my husband is XXXX XXXX for the military  and spouses fall under the SCRA benefits in Ohio. I have contacted them three times with the Ohio SCRA law and my husbands military orders and they refuse to change the interest to no more than 6 %. I was told they are in another state and could do whatever they want to do. I was informed that even though they might be in another state, they must abide by Ohio 's laws to do business with customers in Ohio. The company has not responded to my request in writing only when I call in on the phone they refuse to review it and state since I am not the service member they will not change it even though in Ohio they are required to. 

XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to jail for two weeks because someone was using my credit I even have court documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: Nelnet, Inc.
State: CA

Complaint narrative:
On or around XX/XX/19 I had sent a certified and notarized letter to Nelnet which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document. 

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I submitted a dispute for the incorrect reporting of a JP Morgan Chase auto loan that originated in XX/XX/2011. The loan was for 60 months, during the life of the loan, I encountered financial hardship that resulted in me getting behind in payments. However, I worked hard to get back on track and worked with entered into a payment agreement with Chase, and the loan has since been fully paid off. 

At the end of the loan, I received two checks from Chase with the explanation that I had overpaid late fees on the loan, and the checks were a refund of these fees. Therefore, I submitted a dispute to the credit reporting agencies to update this account to remove the reporting of months that I was " late '' when in actuality I was not. When I entered into a payment agreement with Chase, late reporting should not have been added to my credit report. Unfortunately, this account was never updated and remains incorrect on my credit report. I have attached the results from this dispute from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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 started disputing my credit report with Experian regarding false information from XXXX XXXX XXXX on XX/XX/XXXX. I have since disputed this same information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Dispute always comes back with same information that is wrong. In XXXX I filed Bankruptcy but XXXX XXXX XXXX was not included in it. I had a XXXX XXXX XXXX that I purchased from them in XXXX. I paid off all my loan with them each month and received the title to the car. They continue to list that I bankrupted with them even after sending copies of my filing papers which clearly stated they were notified only. They continued to collect my payments each month until the car was paid off and became mine. This has been very frustrating and time consuming, needless to say it is false information listed on my credit report. Experian has done nothing either even though I sent them all the documentation via their Complaint Center in their website.

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 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
Medical Revenue Service did not get prior consent to contact me about this false debt which is {$1000.00} violation 15 USC 1692c.

I have attached a document which shows violation 1. They have a reference number in my name which is identity theft because you do not have a contract with me so why you opened an account with my name on it.false and misleading practices {$1000.00} violation 2. Total amount due is positive. If I owed them any money the amount should be negative and not a positive. false and misleading practices. {$1000.00} violation 3.  They quoted '' If you do not pay the amount owed. XXXX XXXX may sell your account to an outside agency. It is clearly stated at the bottom this is and attempt to collect a debt which means they is a debt collection and this is false and misleading and misleading practices they using someone else name to collect a debt and threat to sell it if I do not pay XXXX violation. 
4. Medical Revenue Service falsely offering me financing for a debt I do not owe. false and misleading practices. {$1000.00} violation

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 2019-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
this was in old debt from XXXX, I agree to pay this debt in XXXX I payed on this debt for 4 to 5 years tell the judgement was removed off my credit report in XXXX. Now XXXX XXXX XXXX through Eaton Group Attorney trying to open a case that judgment was release. Also during the times I was paying them it was call XXXX XXXX   XXXX by XXXX XXXX XXXX with the Eaton Group Attorney. My credit report was clear of this debt and for them to try and come back for same debt with enough name is bad business for an attorney group. I know these things have a station of liminition on how long you can go after a clinic. Please instruct this no good law firm to stop harassing me with these letter of demand from something that's almost ten years old. If you guys give me a fax number I will send you some payment I send them over the years. I also payed them through garnishment when I work for the XXXX which I retired from on XXXX. See I m on a fix income and don't need to be harass for something that I agreed to pay when I was working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I got pulled over and went to XXXX and found out someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to XXXX for two weeks because someone was using my credit I even have court documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have disputed with Capital One and I have a XXXX balance on my credit report, it has also been on my account for seven years and it needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been sending dispute letters to get one account deleted. They keep saying the account has been verified and updated with every dispute. The last letter I sent was a letter of verification. I wanted to know who and what all was verified. I also ask for copies of documents or a contract. Copies of first and last payments. Names of person or persons verifying everything along with their and phone number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or around XX/XX/19 I had sent a certified and notarized letter to XXXX which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document.

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.

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