vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter from IQ Data International, advising me I owed a debt of {$13000.00} - related to a personal guaranty I signed on a lease for a business. This corporation ceased operations in XX/XX/XXXX. 

On XX/XX/XXXX, I faxed a note to IQ Data, advising them of the Release of XXXX, signed XX/XX/XXXX - and included the First Amendment to the Lease - highlighting the sections where my personal XXXX was released. 

On XX/XX/XXXX, IQ Data continued to pursue me for this debt that I had demonstrated I had no guaranty for - and I faxed a Cease and Desist notice to them. They have abided by the Desist letter - except for fraudulently reporting this debt as a derogatory remark to XXXX. 

On XX/XX/XXXX, I noticed the derogatory remark on my personal Credit report and faxed a letter to XXXX asking they remove it. I included the information provided to IQ data, and the First Ammendment to the Lease removing the personal Guaranty.

On XX/XX/XXXX, It seemed XXXX hadn't removed the derogatory remark - so I faxed a followup, this time including a XXXX County Court result - showing that in XX/XX/XXXX, the original ebt holder tried to sue me for these debts - and the Court found the case was non-suited ( i.e. it was unfounded and thrown out ). I hoped with this court result would assist XXXX  in correcting their error and removing the derogatory remark. ( Court Case Number : XXXX ) By XX/XX/XXXX, neither IQ data nor XXXX  had responded or changed their derogatory remarks, so I had a lawyer send a letter of demand to IQ data to remove the derogatory remark. 

It has been 10 days since that letter was sent, and no response has been received from IQ Data.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have several accounts with Citibank for many years. I have single accounts and accounts that was joint with my ex-husband. About a week ago I logged in my online banking and noticed that my ex-husband name is coming up on my online banking login. Then I receive email stating about changes made to my account. I seen a person first in the branch and they show me that everything was somehow crossed with my ex-husband. All my personal accounts now had his name and social security number and my date of birth. My debit card once they enter in the computer it comes up with my ex-husband name instead of mines and my name is listed on the card. I called in 2 times to have the problem resolved. the first person I spoke to was XXXX and he involved his supervisor who told him she was going to fix it and all she has to do is just issue me a new debit card. I told him I that not to be true because I am no longer listed on my own account he is listed as the signer. I then called back and ask to speak to a supervisor which the lady immediately put me on with XXXX the supervisor ( I just want to say just how nasty this lady was she didn't even try to help me ). I explained the situation and all she kept saying was go into a branch I can't do anything for you. I asked was she even going to try and assist me that when she asked me for my debit card number, but she still kept telling me to go to the branch. I asked to speak to her manager she told there is no one above and her manager is maybe in a meeting. I hung up. My privacy is more than violated because now my ex-husband has access to all my information and they made changes to my account without my authorization. All now my issue wasn't resolved I need help all my direct deposit goes into this account.

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 2018-07-28 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: MA

Complaint narrative:
Applied for a car loan and was given an interest rate of 20 %. Experian report can not provide a FICO report. All my auto loans and student loan was paid on time an never late. I must be provided a FICO score for auto loan Dispute # 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 2018-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been banking with Capital One 360 since XX/XX/XXXX. In XX/XX/XXXX, I was unexpectedly laid off from my job and had some financial difficulties which caused some overdrafts on my checking account. In XX/XX/XXXX, I finally found another job and was able to have a direct deposit go into my checking account to satisfy the overdraft and bring a positive balance into my account. I ordered a new debit card on XX/XX/XXXX and received it by mail on XX/XX/XXXX. I activated the card with no issue using the XXXX mobile app. I then proceeded to use my debit card but the transaction was declined. I immediately reached out to customer service and spoke with a representative who stated that my account had been restricted and I couldn't have access to my funds. He advised me to go on to their website, open a new checking account and call them back so that I could link my new debit card to the new account. He assured me this would be no issue. I followed his instructions but was denied opening another account. I called customer service again and spoke with another representative. I explained to her what was going on and what the previous rep advised. She then begin to give me the same explanation about the restricted account and stated that not only would I be denied from opening another account at this time but that I also had to wait until Monday to speak with another department to see what my options are about accessing my money. I asked the rep why wasn't I given any notification that my account was being restricted. She could not answer that. She also advised me that my deposit should have been rejected and that there was no way that I should have been able to order a debit card on a restricted account. I was never given any notification of such an action. Capital One has my mailing address, my email address and my phone number, why was no letter received?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
Reference is made to my complaint XXXX about HSBC. 

On XX/XX/2018, HSBC issued a letter, in which XXXX XXXX XXXX, Vice President for Customer Relations, clearly admitted fault on the part of HSBC and asked me to " expect the credit to be posted to [ my ] account by XX/XX/2018. '' A copy of the letter is included for your review. 

Considering your mission to have been accomplished, you immediately closed the case, simply because the company responded to my complaint. 

The problem with your approach is that the letter from HSBC was yet another lie and, as of XX/XX/2018, the credit was not posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This company is trying to collect {$1900.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CBM Services, Inc.
State: MI

Complaint narrative:
I sent this debt collector CBM Services Inc XXXX XXXX XXXX Michigan XXXX file # XXXX XXXX XXXX There phone number is XXXX Local # XXXX I sent them a Certified Letter on XX/XX/XXXX with return receipt regarding my debts that they say I allegedly owe. 
I was requesting a collection account validation. 
On the alleged debts that they say I owe upon. 
In my letter I advised them that if there is any violations of my federal and state HIPAA privacy laws violations of the Fair Credit Reporting Act violations of the fair debt collection procedures Act or definition of my character. 
that I would possibly take legal action against them. 
And in this regards they have 30 days to advise me and I have 30 days to comply. 
All I wanted was a credit or debt collector declaration. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
alleged amount. 
Address on file of alleged Debtor. 
Amount of the alleged debt. 
Date that the alleged debt became payable. 
Date of the original charged off or delinquency. 
Was the debt assigned to the debt collector or purchased? 
Amount paid if that was purchased? 
Commission for debt collector if collection efforts are successful? 

I called the collection agency yesterday XX/XX/XXXX because I received their correspondence with nothing that I requested on it. I spoke to a representative and she could not give me any information so she switched me over to her manager. Her manager then advise me it was not my business about the debt and thats what I owed.I asked if they obtained it or purchased it and for what amount and if there was a commission if the debtor was successful at collecting the debt nor she would not respond and said it was not my business if the debt was purchased or not and the amount that it was purchased. I owe what I owe and they don't have to tell me anymore about the alleged debt 's and they don't care it will stay on my credit 7 to 10 years. Her words end of discussion and she hung up on me.

I also advised her before she rudely hung up on me without giving me any information and her words or end of discussion click I said I had medical insurance XXXX and XXXX I was involved in a major motor vehicle accident in XX/XX/XXXX so I've been on Social Security XXXX ever since with XXXX and XXXX as my insurance. 
I'm requesting that you look into this for me and see what you can do so this doesn't happen to other people from debt collectors regarding medical collections. and the debt collectors don't even care about giving you information about circumstances or about a person 's credit report.. 
Also that's it's in violation of 3 major laws. 

Thank you very much for your time to read my complaint and help me to resolve it. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a payday loan from the XXXX XXXX approximately XX/XX/XXXX. I made approximately 4 or 5 payments on time and could not keep up. I contacted the store about possible options. They told me I would have to contact the corporate office. I spoke with a representative in collections approximately 3-4 months later about making a payment. The representative said if I paid the amount listed the company would take a loss because they were not making any money off the loan. I apologized and told him I was trying to get the debt settled. He accepted payment on the phone and I never heard anything else about it until last week. I now have a collection for {$150.00} from National Credit Adjusters. I have been looking through my personal statements in attempt to find the exact amounts and dates paid. I can only recall that the loan was over {$1200.00}. XXXX XXXX said the loan was {$1200.00} and it was opened on XX/XX/XXXX. They can not give me any payment information. They can not tell me how much I paid or when. They told me the account was sold to XXXX XXXX XXXX. I have since spoken to XXXX XXXX XXXX, XXXX XXXX XXXX, National Credit Adjusters and XXXX XXXX XXXX. No one can provide any documentation proving I obtained the debt and still owe {$150.00}. I made a single payment to resolve this debt. There is no way possible I still owe {$150.00}. The collection showed up on my credit report this month. I have not been able to resolve this issue and no one can provide any proof of prior payments. I spoke with XXXX XXXX on XX/XX/XXXX. He said the companies cant retain all of that information and told me I was wasting my time to investigate and it would be easier to just pay it. He could provide any proof that the money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
A derogatory report is shown on my report. I filed a dispute through XXXX and received notice of investigation 's results. Transworld System Inc. verified this account as mine and that result is completely false. Transworld represents XXXX rent a car which asserts I opened an account on XX/XX/2016 and owe {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This company is trying to collect {$97.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2018-07-28 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I found accounts on my report by XXXX XXXX XXXX I wrote all three bureaus and and XXXX   deleted one of the accounts I sent a letter to validate the ac oytns snd proof on who they were I never got back a answer now it's 60 days still nothing and they will bot delete these accounts from my credit They are on all three credit bureaus for collections This company is showing two accounts that they will not validate or show any proof od who or what they are

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I received a payday loan from the Cash Store approximately XX/XX/XXXX. I made approximately 4 or 5 payments on time and could not keep up. I contacted the store about possible options. They told me I would have to contact the corporate office. I spoke with a representative in collections approximately 3-4 months later about making a payment. The representative said if I paid the amount listed the company would take a loss because they were not making any money off the loan. I apologized and told him I was trying to get the debt settled. He accepted payment on the phone and I never heard anything else about it until last week. I now have a collection for {$150.00} from XXXX XXXX XXXX. I have been looking through my personal statements in attempt to find the exact amounts and dates paid. I can only recall that the loan was over {$1200.00}. Cash Store said the loan was {$1200.00} and it was opened on XX/XX/XXXX. They can not give me any payment information. They can not tell me how much I paid or when. They told me the account was sold to XXXX XXXX XXXX. I have since spoken to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. No one can provide any documentation proving I obtained the debt and still owe {$150.00}. I made a single payment to resolve this debt. There is no way possible I still owe {$150.00}. The collection showed up on my credit report this month. I have not been able to resolve this issue and no one can provide any proof of prior payments. I spoke with XXXX XXXX on XX/XX/XXXX. He said the companies cant retain all of that information and told me I was wasting my time to investigate and it would be easier to just pay it. He could provide any proof that the money is owed.

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 2018-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My son and I went through Sallie Mae for a private student loan due to the outrageous expense of attending XXXX, XXXX, Oklahoma. Then, my son only stayed 2 months and withdrew, nothing was refunded back to our loan. He has had to pay to defer, only works part time, going back this XX/XX/XXXXto a lower cost university, but the interest rate with Sallie Mae is outrageous!!! I believe it's 12.875 %, which is absurd for a struggling student and his struggling parents!! Their rules are ridiculous, and certainly no flexibility with repayment!! Even if we simply pay on interest while my son finishes his degree, we will not accomplish anything, no affordable payment plan, interest to high, to many penalties!! How in the world can someone achieve a degree when already defeated with such an unreasonable student loan??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/18 Experian has on this report XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX as wrong and the other one that is right showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX There should be no 2 address showing as the same by Experian. Every other month Experian has added information or add something on my credit file and keeps deleting the correct information. Every other month the same thing.

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