vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-15 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: FL

Complaint narrative:
The three credit bureaus are reporting information from these organizations that are obsolete. They are reporting these accounts as if they are new accounts. I am asking for all of the accounts associated with the following companies to be deleted. I am asking for the three credit bureas to request the origination and payment history in support of my claim to support that none of these companies should be on my credit reports. If they request this information they will see that the timeframe would also support deletion as they are obsolete accounts. Also there is an address reporting on XXXX that has never been my address XXXX XXXX XXXX XXXX, CT XXXX, I am asking for it to be deleted. 
XXXX XXXX XXXX XXXX XXXX FUNDS DEPT OF XXXX 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 non-monetary relief
Consumer complaint received 2018-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and XXXX are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is 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 2018-09-15 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: FL

Complaint narrative:
XXXX and Experian are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is 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 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NH

Complaint narrative:
Everyday, One Main Financial calls me at least ten times a day and has sent me three letters a day reminding me I owe them money. 

On Wednesday XXXX XX/XX/2018, they called md every half hour. 

This past week, Ive received fifteen letter from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, a hold was placed on my Bank of America account by the state of Connecticut for back taxes from the year 2014. I had been paying on these and had neglected to use their automated system correctly. I called the state XX/XX/XXXX and worked this out with them and they sent a fax to Bank of America requesting the lien be released. On XX/XX/XXXX I again called the state of Connecticut as I realized they had incorrectly also charged me for two years I did not live in the state. They apologized and sent a second fax to Bank of America asking them to expedite the release on my account. I also called Bank of America XX/XX/XXXX and was told it would take XXXX business days for the hold to be released, and that any overdrafts in that time were my responsibility. I asked at that time to speak to Bank of America 's legal department as it did not make sense to me why it would take so long to release this hold. They assured me it took that amount of time due to the many holds they received and that I would, indeed, be responsible for overdrafts accrued in that time. On Tuesday, XX/XX/XXXX, I again called Ban of America and was told the hold would be released within XXXX hours. Friday, XX/XX/XXXX, the hold was still not released and I called and spoke to a supervisor in Texas. he called the legal department and assured me the hold would be released Friday at XXXX XXXX XXXX time. It is not Saturday, XXXX, and my account is still unaccessible. I now have accrued almost {$300.00} in overdraft fees, due to automatic bill payments, and will likely still accrue more this weekend. I am appalled at this practice. I do not believe it takes XXXX, and no XXXX business days to release a legal hold on an account, I believe this is yet another way for Bank of America to take fees from people who can ill afford it. They don't care if they lose my business, that is clear, their corporate accounts are all that matters. I have been with this bank for 24 years, and can not believe this horrific service.

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 2018-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Last year, due to the state of emergency with Hurricane Irma, Wells Fargo Home Mortgage deferred my payments until my home was repaired. It took me about 9 mos. I was allowed to pay $ 200 monthly. After I got my home repaired, I called them to start paying my regular monthly payments. I had to fax in all my income documents for the modification. They never told me that they were charging late fees & other fees for every month I did not pay my mortgage. I called and spoke with them every month. I got a call on Monday stating I owe {$9800.00} for the time I did not pay full mortgage and my account is delinquent. They said by my income I can not afford to pay this amount and they decided to refinance my home for another 30 years. I have been in my home now for over 15 years, and I owe only {$54000.00}. I am in my late XXXX 's and can not afford to refinance my home for another 30 years. They told me that was the only choice I have. This is not fair to me as an XXXX American Woman, When I spoke with them in the beginning of the deferred payments, I asked can the months I missed paying my full mortgage can be put behind? I was informed on the phone, that will be discussed after I get my home repaired. This is not fair to me, and I do not want to lose my home. I want to pay the {$9800.00} and continue with my mortgage. Please help me.

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 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
I HAVE NO OUTSTANDING DEBT FOR XXXX. ON XX/XX/18. THIS DEBT IS NOT MINE. FRAUDULENT REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I CONTACTED COMPANY WHO WAS COMPLETELY RUDE AND UNWILLING TO PROVE DEBT. THEY SAY I OWE XXXX AND ANOTHER AMOUNT OF XXXX. ON XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
THIS DEBT IS YEARS OLD AND DISCHARGED IN BANKRUPTCY YEARS AGO. XXXX THEY SAY I OWE IS FRAUD AND UNFAIR PRACTICE. XXXX XXXX   IS CROOKED ...

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 2018-09-15 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: PA

Complaint narrative:
I attended XXXX XXXX in XX/XX/XXXX and graduated in XXXX. I was XXXX when I started and just walked the stage and they took advantage of that. They promised multiple things that turned out to be untrue. They told me any school in the country would take my credits once I was done with graduation. Which I later found out was a untrue They promised that they would place me in a job close to graduation. Another untrue deception. They pressured and mislead me into enrolling and taking out loans that I had no idea what or how they worked. I did not even know I had private loans until I had to pay it back. They lied about what I was guaranteed to make once I graduate. I was shown a chart that said 91 % of the people in my field made a average of XXXX XXXX dollars within the first 2 years post graduation. My degree is useless. I got my job without needing my degree from XXXX. Most employers dont even consider it a real degree. Someone in HR at a job fair once told me I shouldnt even put them on my resume. They have violated several laws and worked with lenders to create even scandals. Navient/sallie mae also has completed wrongful acts on my loans as well. Both my private and federal. They missallocated payments several times. There are unexplained payment reversals. I try to call and auto phone system never gets me to a live person. Almost all my private loans that I paid on show that the payments made went straight to interest and XXXX to principle. XXXX XXXX have violated laws and mislead me. This is illegal and unfair. I was constantly told I had to put my federal loans in forbearance when I found out I had other options. You get different answers every time you call and are transferred 12 times. Their website makes everything not make any sense and is very hard to understand when you have several loans. I would like all loans discharged and refunded every payment I every made to them due to violating of the law and misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: GA

Complaint narrative:
The car was a XXXX XXXX XXXX. All of these vehicles had recalls on them and transmission problems. I was overcharged for the vehicle with an extended warranty that was {$1700.00} odd dollars. The warranty never addressed my issues with the transmission or my concerns with the car they only replaced my battery once and I paid out of pocket for it. When asking to trade the car in for a newer vehicle they advised they would reimburse the warranty because I never used it. Fast forward and lost my job and the car was repossessed in XX/XX/XXXX. The car was sold at an auction for {$1600.00} and they are now telling me that the balance owed plus taxes, fees, and interest is {$5700.00}. My credit report shows {$3600.00} owed on the car and everytime I call and speak with them they wont help. They only reimbursed {$200.00} odd dollars for the extended warranty that was purchased and not used when they agreed to reimburse the entire {$1700.00} odd dollars. They also never sent me an intent to sale the car at an auction or the sale itself. I had to call them to find out the car was sold for {$1600.00} at an auction and they are still trying to overcharge me or stick me with a balance of {$5700.00} on their records and {$3600.00} on my credit report. Please help me get this resolved or removed because it is negatively affecting me and they dont care to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I first identified a problem with my Capitol One account in XXXX of XXXX to notify them of fraudulent charges that had occurred on my account. At that time, my credit card was cancelled and a hold was put on the account so no other charges could be charged and would be sent new credit cards. We were told to make a list of all of the fraudulent charges that were against our account totaling {$1700.00} starting from XX/XX/XXXX XXXX XXXX XXXX. We explained to them that because we were set-up on an automatic payment system and they were sending the billing address to the wrong address, we had not become aware of the charges until we were doing an account overview of all of our accounts. Since that first point of contact in XXXX of XXXX, I have faxed over the list of fraudulent charges twice, most recent being XX/XX/XXXX. I have also spoken to various customer representatives and supervisors almost every month, last point of contact being at the end of XX/XX/XXXX ( when I faxed over the fraudulent charges again ) in which I was assured that they are still investigating these charges and that I should start seeing some charges being reversed ( there has been none ) .I have been told over and over these charges will be taken care of and I feel like I keep getting the run around and I am still having to pay money towards this balance and interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GreenSky, LLC
State: OH

Complaint narrative:
Company of Greensky, located in XXXX, Georgia has successfully closed the account a amount was rendered as their final process to close the account back on XX/XX/2018. The overall problem was I needed to cancel the contract with a contractor that utilized XXXX XXXX. This had to escalate in XX/XX/2018 involving the Attorney General. The Attorney General was successful in advancing that portion within this financial institution to their legal division. From there over a course of months I was able to collaborate with one of the legal representatives. This legal representative within Greensky on XX/XX/18 determined a amount to close and finalize the concern for the sum of {$520.00} and the same day I obtained from my bank a certified check from XXXX XXXX XXXX and mailed it. In the memo the account number was placed along with " paid in full ''. Greensky has cashed this certified check but continues to say I owe now over {$70.00} in charges. This amount was with one of their legal advisers. Every time you call them its the same thing of over 20-25 minutes wait, your allocated to telemarketer and no one can seem to advance to sending me a account closed, bill paid in full for my credit reporting needs. 

I do not owe them anymore than what their legal representative had me make their check out for. I am asking for a zero balance, account closed letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I attempted to get a copy of my credit report due to many hard inquiries that i did not authorize. Experian online had me call a number that simply hangs up after giving all the required identity info.

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 2018-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
The truck financed thru Toyota motors was stolen and wrecked the insurance company covered total balance remaining on truck. I do not owe them a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GENERAL BUSINESS RECOVERIES, INC.
State: GA

Complaint narrative:
I took my son to my XXXX XXXX XXXX and he had XXXX insurance. All of a sudden I received the 8 collection in my name and on my credit when the entire process was in his name with his insurance through work and they're apparently was some sort of issue. Long story short, I'm being charged for something I had nothing to do with all I did was drive him there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is charged me for a television service that they falsely advertised and did not hold up their end of the bargain. I was signed up for all three services with them telephone, television, and internet. With this bundle package they were suppose to issue me a gift card for the first month of service and signing up with them for {$150.00}. I co reacted them on numerous occasions about the gift card to cover my first month of services and they never issued or acknowledged my complaints or concerns. I canceled the contract and they charged me and attached it to my credit report. I didnt have the service all of 2 months. I also paid the amount they were requesting to have the mark removed from my credit report and its still there almost 5 years later. My contract was canceled because I felt they lied to me and mislead me to order their services and didnt follow through with their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX XXXX  has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX XXXX ) and third-party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged balance owed. 

On XX/XX/2018 I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/2018 at XXXX XXXX. this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX XXXX continues to ignite .my requets. They have willfully violated my consumer rights according to the Fair Debt Collections Practice Act. 

Specifically, I requested the documents from their files they used to verify this account. Under the FCRA, I have a right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. 

Who verified this account? What documents were used to verify this account? Where are the documents they used? 

It has been seven months from the time of my initial request for validation and to date they have wrongfully ignored and violated my consumer rights by refusing to validate this alleged debt. 

XXXX XXXX XXXX is in direct violation for continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested seven months ago. It is my connection that XXXX XXXX XXXX   can not provide evidence that I am contractually obligated to this account and as a result, are in direct violation and totally disregarded the law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
portfolio recovery associates sent me a letter in response to my dispute regarding the validity of this account XXXX, ALSO two other accounts they have on file with the acct # shown as XXXX, but they sent me a bill WHICH IS NOT VALIDATION AND ONLY VERIFICATION OF AN ACCOUNT, addressed to an address that I have never resided as highlighted on my city of XXXX police department report ( attached ). also attached is the FTC report, and my 2016 tax returns showing my address at the time this account was created please remove this account from my credit report and correct the record, as I have sent several request and followed the law in providing this ID theft packet, which was also sent via certified mail with a return acknowledgement of receipt on your part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 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: CA

Complaint narrative:
I contacted Experian a few months ago about a debt that they have removed numerous times on my credit report but keep reading from XXXX XXXX of XXXX XXXX, Ar. XXXX of this year, Experian sends me a letter stating that I needed to take it up with the creditor. On XX/XX/XXXX of this year, I sent a letter to XXXX requesting verification of the debt via certified mail. XXXX did not accept the letter and had it returned to me. I sent another letter to XXXX via regular mail again requesting they verify the debt. XXXX then sends me a letter in XXXX stating that I do not owe the debt. I send Experian and XXXX  the letter that was sent to me from XXXX. XXXX removes the debt, but Experian sends me a letter dated on the XXXX of XXXX stating that they verified the debt with XXXX. I am looking into legal means to handle the situation, but I am giving Experian one last chance to rectify their wrong permanently.

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