vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies.

I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate.

Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
The collector SHOULD NOT be contacting me, as the original creditor has previously been notified about a household member currently going through a medical hardship. I have also advised the collection agency to revert the account back to original creditor, as original creditor is SUPPOSED to have notes on file in regards ongoing medical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Re-Kohls Department Stores Credit Card Division XXXX, Wisconsin XXXX Complaint : 1. Credit card statements no longer itemize purchases, it only shows dates and store location which purchase were made from.

2. Recently Kohls published their late payment warning showing a penalty late fee of {$37.00} plus interest if payment is not received by listed date.

3. Our last statement indicated a closing date of XX/XX/2019. Statement received on XX/XX/2019, delivered by US Mail. The statement showed a due date of XX/XX/2019. 
Fraud, I believe that this division of Kohls sends their statements out late or holds them back from mailing increasing the possibility that the returned payments will be received late and posted after the due date. This would increase their revenue by {$37.00} per month from each payer. 
4. I attempted to relate this trend to corporate, explaining that their customer 's will see this fraud and will result in losing customers, revenue, and creating stockholders losses. This message unfortunately fell on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: IL

Complaint narrative:
I dispute XXXX XXXX XXXX, XXXX which is XXXX the original creditor on XX/XX/2018. XXXX XXXX responded on the dispute stating they CLOSED the account with {$0.00} balance and also they requested that the credit reporting agencies to delete the XXXX, XXXX  tradeline from my account from the credit bureau report. I checked my credit report XXXX  and XXXX  removed it from my credit report but Experian did NOT removed it. So I contacted Experian to removed it from my credit but they refused to removed it they said the account is under XXXX  not XXXX, XXXX. But when I dispute it through Experian, XXXX, XXXX was the one that responded not 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 2019-01-29 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: GA

Complaint narrative:
The credit agencies are reporting an account that do not belong to me on my credit file. I have disputed this account with them several times. I have also provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. Please assist me in getting this matter resolved. 

Fraud Account : XXXX XXXX/XXXX XXXX There are also unauthorized inquiries showing on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
My original mortgage at closing was about {$1800.00} I paid this amount for one ( 1 ) year. This included insurance and property taxes.

In XX/XX/XXXX, I received a shock! The mortgage company neglected to put in the MUD taxes in the note resulting in a $ XX/XX/XXXX increase in payments. This was a deceptive practice because being a retired police officer, I would not have purchased this home. I called everyone to ask why wasn't this amount put into the closing documents when my payment was estimated. No one knows the answer. It seems that I'm in this municipal district in addition to my property taxes. How in the world can that happen. anyway in order not to lose my home, I borrowed the money off my credit card and paid the taxes on the house directly. I then asked the mortgage company to adjust my escrow for this year.

Now they are threatening me with foreclosure. When I sent in my payment of {$1800.00}, they applied it to the escrow without my permission. I have sent the mortgage payment the same way for the past year but in order to continue this unfair tactic, they applied it to escrow. I guess they make a lot of money off interest in escrow. Now they want {$4000.00} f0r the mortgage payment. I need them to adjust the escrow so I can pay the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have no understanding why Exeter Finance is being aloud to violate my FRCA rights. In XX/XX/2018 Exeter Finance Corp reported a payment to XXXX  this account is a charge off so how was a payment made? Where is the receipts? whose making payments?. And while an account is being disputed it is my understanding If you dispute the debt, the debt collector can not report it to a credit reporting agency unless and until it verifies the debt. If the debt collector has already reported the debt ( before it received your dispute letter ), it must notify the credit reporting agencies that the debt is disputed. After verifying the debt, the debt collector can report it, but only as a disputed debt. 

A debt collector violates the FDCPA and the Fair Credit Reporting Act if it reports a debt that it knows, or should know, to be false. 

This has happened to me mulitple times and I am tired of it. Please help me in fighting this. See attached letters where I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Finance XXXX, TX accepted payments before the deadline of XXXX PST Sunday and charged me additional late fees. The first time this happen they told me they would not honor the correction anymore. However ; payments are being made before XXXX PST in California and should not be subject to any late fees under California

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies.

I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate.

Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts.

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 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies.

I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate.

Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts.

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 2019-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
At the end of XXXX, I was charged multiple overdraft fees on an account that I was trying to close with Bank of the West. The fees all piled up because of the very first fee, which after speaking to the branch, would be reversed, resulting in the reversal of all other charges. The total amount of overdraft fees was {$920.00}. I was under the impression that it would be taken care of, only to find out recently ( XXXX ), that I am in collections for the {$920.00} + {$550.00} in interest. I disputed the debt with the collection company, and after speaking to the bank on XX/XX/XXXX, they could only tell me that the debt has been sold to a collection agency and it was too old for them to help me. It is my understanding that there was a class action lawsuit against Bank of the West that dealt with the same issue around the same time. I am trying to clear this from my credit, and any help you can give is greatly appreciated.

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 2019-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
New York State General Business Law Section 380-j ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information.

( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ; Experian is refusing to delete a paid XXXX  account that was charged off that has reached a 5 year mark and thus violating NY State law and my rights as a consumer. The date that the exclusion of collections and charge-offs is calculated is based on the date of first delinquency, yet Experian is stating that the date that the account will be deleted is the date the account was changed to charge off status which is 6 months after the date of first delinquency.

This is not line with neither state nor federal law. Moreover, this account was automatically removed from other credit reporting agencies due to the 5 year law in NY.

Experian is violating my consumer rights by refusing to delete this account, and I need for Experian to promptly rectify the matter, and delete this account from my credit report.

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 2019-01-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
I have been receiving calls from XXXX XXXX XXXX over a debt from 2010 and the calls have escalated to the point of harassment. On XX/XX/XXXX a representative from Coast called to inquire if I was home, she then informed me that there was someone on their way to my home to serve court lawsuit documents. There was an overt threat of litigation and possible arrest, later in the day, if I did not pay at that moment over the phone. 

The debt in question is for student loan funds which were disbursed for the full semester, while I only attended Spring 1 instead of Spring 1 and 2. The disputed funds are for Spring 2 session and the amount is {$1300.00} which I had negated in good faith to pay but the collection agency has assessed fictitious interest fees that have more than doubled the original amount and will not negotiate on. I am distressed the by inexplicable attempt to double my debt and I am even more distressed by the aggressive, illegal collection tactics of threatening me with arrest and court action. Please advise on the best course of action for this situation. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I contacted PayPal on XX/XX/2019 via secure message on their website and reported a fraudulent attempt by someone who was trying to link their PayPal account to my bank checking account, which is linked to my own PayPal account. The PayPal verification system uses a deposit and then withdrawal of two small amounts into and from the account, when I noticed this activity on my checking account from an unknown PayPal user, I alerted PayPal immediately. The verification transactions were initiated on the same day. 

PayPal did not take this fraud alert seriously. They responded with an automated message containing general information about bank account verification. I responded by telling them to stop with the automatic replies and answer my query. 

On XX/XX/2019, I received a secure message from PayPal associate " XXXX '' in which they stated that the deposits were " most likely just to validate if the bank account is still active ''. This clearly shows that they did not even read my message carefully, because if this was to validate my account, it would have been initiated from my PayPal account, not someone else 's! 

I responded by stating clearly that this was almost certain fraud, I attempted to upload the transaction information to PayPal, however their file upload system was not working. I asked for a fax number to send the time sensitive fraud information. 

TWO DAYS later, on XX/XX/2019, PayPal responded by stating that " a transaction or activity I don't recognize may have been initiated by a family member or part of a pre-approved payment ''. Once again, they did not take it seriously. 

On XX/XX/2019 I received a message from PayPal associate " XXXX '' in broken XXXX stating " Request you to please explain the situation so that we can assist you ''. 

Then I received another message by PayPal associate XXXX asking me to call them via telephone. I do not conduct business via telephone, I have told PayPal this dozens of times, I replied to this effect and then I received another message from " PayPal Customer Support ( no name ) stating " we're required to speak with you by phone to complete this specific request ''. Once again, nothing taken seriously. At this point, I lost my temper and told them to go XXXX themselves. 

They have still not responded to, or addressed what is an unquestionable fraud attempt. I had to have my bank account frozen to prevent unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is in regards to my XXXX  XXXX credit card ending with last 4 number XXXX. On XX/XX/XXXX I did some purchases and the store offered me a new acct to get 10 % discount. So I opened this acct. My first payment of {$32.00} was due on XX/XX/XXXX. I sent out my payment on XX/XX/XXXX ( late ) and at the same time called XXXX ( customer services ) to ask for a one time late fee removal courtesy. The lady who answered the phone said will be glad to do so. I assumed that would be it. Since then I was out of town most of the time and back home to prepare for the XXXX XXXX XXXX this month ( XXXX ), checked on my mails and found out one late charge on top of another late charge which is now add up to over hundred dollars. The lady I spoke with never took care of my request in the first place otherwise it would never happened. I emailed XXXX XXXX and been returned with the advice that I have to contact XXXX XXXX. I called XXXX XXXX and explained but they insisted I have to pay all late charges to keep my account up to date. I feel so frustrated by this unethical practice. I need your help. Please give me your hand. Thank you very much. XXXX XX/XX/XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
STATEBRIDGE COMPANY continues to engage in fraudulent and deceptive practices regarding my mortgage # XXXX, NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Florida XXXX. On XX/XX/XXXX Statebridge sent me a letter finally confirming the proof of insurance I had sent them on numerous occasions, stating the forced placed insurance they assessed me for has been canceled as of XX/XX/XXXX. Statebridge has received mortgage payments from me, on time, in the amount of {$1500.00} each month but has failed to apply these amounts to my account. Statebridge has cashed these checks according to my banking history but has not credited me for them. They have charged me late fees and are now demanding payments they have already received. On XX/XX/XXXX I received my mortgage statement for XX/XX/XXXX and Statebridge continues to charge me for forced placed insurance, continues to charge me late fees for payments already received and HAS NOT credited my account for the forced placed insurance the assessed me in error. THIS GOES BEYOND GROSS NEGLIGENCE OR INCOMPETENCE, THIS IS A DELIBERATE ATTEMPT TO CONTINUE WITH THE FRAUDULENT PRACTICE OF FORCED PLACED INSURANCE. The history of this issue, documented on this website, clearly shows this company, STATEBRIDGE, is acting in deliberate bad faith and should be investigated by the attorney general immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
CAPITAL ONE PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO CAPITAL ONE HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU XXXX WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # 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