vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a capital one credit card, they are charging me 26 % interest on the card. I have called them and asked that they reduce my interest to single digit interest or at least 12 % they have refused. This is absolutely criminal. America should be ashamed to allow Capital One to say they are helping someone to restore or build credit then gouge or roguely take advantage of good customers. I have never missed a payment and always pay more than the minimal required payment. Oftentimes, paying out or 2x - 4x times more to get rid of the debt. All customers who are at risk of these money rogues should complain by writing letters, going on XXXX and any other modern form of communication possible, to get the attention of these capitalistic lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. According to the Fair Credit Reporting Act, I am well within my rights to contest any inaccuracies on my report along with the company that provided the information to the CRA. Also, under the Fair Credit Billing Act, I am well with my rights to contest any billing errors that appear on my report such as : -Charges not made by the consumer -Charges in the wrong amount -Charges for goods not received by the consumer -Failures to properly reflect payments or credits to an account -Charges that the consumer wants clarified or requests proof of. 
No doubt the inclusion of this inaccurate information is a mistake on either Transunions or the reporting creditor 's part. Furthermore, the following information needs to be verified and deleted from my credit report as soon as possible. Also, this is an improper inclusion of reference to an asserted disagreement by the consumer that was never submitted under FCRA 611 ( b ). Please reinvestigate this matter and delete or correct the disputed item as soon as possible. I will wait the allotted 30 days for a response from your agency with evidence that the following account belongs on my report and that my rights have not been abrogated. If no records exist, please delete this damaging account information. Thank you in advance for your time.

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 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: SC

Complaint narrative:
Not my Loan ' and do n't know the person ' they 're asking for

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 explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
they called this morning at XXXX and called numerous times over the weekend, they have already been notified to stop calling as we are going thru a debt consolidation program and they still call harassing us no matter how many times we have told them to talk

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 2017-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
XXXX XXXX, XXXX, paid on account {$40.00} ; XXXX XXXX, XXXX, paid on account {$100.00} ; XXXX XXXX, XXXX, paid on account {$40.00}. 
On XXXX XXXX, XXXX, day of the XXXX XXXX procedure after I made the payment I had asked if we would owe anything else. The representative informed me the only amount that I should be billed for would be {$40.00}. 
I never received a bill for {$190.00} at all and did not know about it until I checked my credit report. I do not appreciate this being sent to collection agency without any notification and finding it on 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 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX XXXX, XXXX I received a notice from XXXX that there was a new inquiry on my credit report. I investigated and found a credit application was opened. So I called XXXX to confirm that this had been approved and opened in my name and I did not submit this application. They did close the account but trying to get more information about how to protect my account was extremely difficult This is now the fifth time this has happened to me. The other four times the application was denied and but this time they finally got the application to go through. I do n't understand how this keeps happening. I have called each and every time to report this, filed police reports each time, put XXXX on my accounts, etc. I am fed up with Synchrony Bank and how they allow this to continue to happen. For how large of a bank they are, they are not out to protect their consumers. They push applications and never check fraudulent reports. I am thankful for XXXX letting me know first so I could get the ball rolling and take care of this.

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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: YALE MORTGAGE CORPORATION
State: FL

Complaint narrative:
YALE MORTGAGE does not report to any of the 3 bureau 's reports of an active, convential loan, home mortgages! 
Mine since XXXX, current through XXXX? 
Payments timely since XXXX? 
Yet I have no real estate mortgage info in report by them .... 
My current credit score may or may not be 'current ' as a result? 
XXXX MORTGAGE, XXXX, FL, should be reporting all current and past due mortgage transactions, obligations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I have filed complaints with XXXX XXXX XXXX and XXXX against Navy Federal Credit Union regarding numerous misapplied payments and payments taken from the wrong account than what was given to the member service representatives. I tried to file another complaint with XXXX XXXX XXXX however they close it as a duplicate complaint even though it is not just a duplicate complaint it is an ongoing and reoccurring issue with XXXX. I would like someone else to address my issues. They are reporting incorrect information to the 3 major Credit Bureaus after I was told by their legal department that I did n't have to make a payment until the complaints were finished however that too was a lie on XXXX behalf. Access # with NFCU XXXX. After Numerous attempts to get the incorrect reporting resolved on all three credit reports XXXX XXXX does nothing to fix these issues just closes the dispute saying the information is correct. Their legal department advised me not to make a payment while prior investigations we going on however XXXX XXXX said that they do n't record calls in that department for legal reasons and that they have no record of say such XXXX XXXX XXXX was the party spoken to XXXX. They probably do n't record them to cover up their corruption. All three credit cards with XXXX XXXX need to have their slate wiped clean for all the misapplied payments and errors that XXXX XXXX has created. They also tried withdrawing funds from the wrong account to clear the negative amount on my checking account now they froze the account to where I ca n't do anything online even view statements or make payments on existing credit cards. I can only due that over the phone in which they charge me fees to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have an HSBC credit card, I did not receive statements for several months. I learned that I was delinquent by checking my credit report. When I called HSBC to inquire why I have not been receiving statements I was told I was enrolled in paperless. I said that I was not. I was directed to log into the customer portal to check and when I did it was confirmed that I was never enrolled. I was enrolled in paper statements. XXXX on XXXX/XXXX/XXXX apologized removed fees and interest and said a letter would be sent to remove from credit report. I received a letter on XXXX/XXXX/XXXX indicating that the letter would not be sent to correct the error because I was enrolled in paperless billing. Again, I was never enrolled in paperless as proved when I logged in that day. I asked them to play the audio tapes to confirm. I called back on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and spoke to two different people named XXXX. To date, the issue has not been resolved. This was caused by a glitch in the HSBC system through no fault of my own. I paid the outstanding balance over the telephone. I have never been late in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
In XXXX XXXX I submitted proof of working for a government agency to XXXX XXXX. On XXXX XXXX, XXXX, my IDR repayment re-application was approved by XXXX XXXX. On XXXX XXXX, I made a payment to XXXX XXXX for my bill that was due at the end of XXXX. At the end of XXXX, my account got transferred to my XXXX XXXX as a result of me working for a government agency. 

When my XXXX XXXX got my account, they did not get proof of my XXXX payment ( which was 2 weeks early ). They also did not get the memo that my IDR repayment plan was approved. As a result, as soon as my loan got transferred, my XXXX XXXX began harassing me about my payment being late and my account being delinquent ( which it was n't -- see attached proof of payments ). In addition, my fed loan sent me a bill for over twice the amount of what my bill should be under IDR. I have called, email, and chatted with them repeatedly, and gotten different answers every time. 

My XXXX payment was on time. My IDR re-application was also on time. But now this company wants me to pay the XXXX repayment amount for my XXXX bill ( if I wanted to be on the 10 year repayment plan, I would n't have submitted proof of income and gotten transferred to this servicer ). They are also constantly harassing me about my payments being late, which they are n't. This company is penalizing me for doing everything right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I received notice of this debt and immediately called to request debt validation on XXXX/XXXX/XXXX. I never received a debt validation letter. This is not my debt, however, a few weeks ago I called to settle it because I want it off of my credit report. I am going to be buying a house in the next four months and I want this debt removed because it is not mine and because I want to take advantage of the best credit rates I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Sir or Madam, My husband and I were affected by the Equifax security breach. We have been working for more than two weeks to get signed up for the XXXX XXXX product. I was able to set up my account but I am still waiting to be able to use the product to see my credit report or to put a freeze on my account. My husband has been unable to set up his account. 

His problems are as follows : 1 ) Tried to set up an account but received a message stating the information he entered did n't match their records and so the process failed - XXXX/XXXX/XXXX XXXX ) Received an email today, XXXX/XXXX/XXXX stating the reason for the failure was because the account had already been established. 
3 ) Called the support line in the email, the woman he spoke to stated there was already an account for " this address ''. Clearly she did n't know how the product works. 
4 ) My husband asked to speak to a supervisor, who stated the problem has been reported by other consumers as well and the email was erroneous. 

Equifax 's response to this problem and the execution of their solution is sloppy and unprofessional to say the least. They are n't bringing their A team to the table to correct the problem or if they are their A team really XXXX. 

Regulators need to be in there monitoring their response to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I noticed that there is an address associated with me and i have never lived in XXXX only in XXXX. So now i am concerned that i have all this bad credit and i dont know if its mine or is someone else using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit file was compromised in the XXXX Equifax breach. I have been unable to freeze the file online and Equifax has not responded to my mailed in request for a freeze. I want to be sure that the report is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I had a car loan with XXXX bank that I paid off completely due to an accident. Santander bank is reporting to the credit bureau that my account is a charge off account and that is incorrect. I have contacted both the credit bureau and santander bank and this has not been corrected. I received this loan around XXXX. When I called santander bank I was told that since my account went 90 days past due that the bank considered the account charged off despite the fact that I brought the account back into good standing and was making monthly regular payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # XXXX : XXXX ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # 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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # 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 non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
Allied Collection services have an account listed on my credit reports from a company called " XXXX XXXX XXXX '' I have never done business with a company by that name. I called them to validate the debt, they could not, I sent them a 609 letter demanding documentation and validation of the debt, they did n't respond. I sent a letter to the credit bureaus, asking them to validate the debt - they responded saying " verified '' but were unable to provide a contract, account number, or anything that I signed with a company by that name. 
I then filed a complaint with the BBB, asking them to make Allied provide documentation of said debt - they asked for my personal information on a form, I filled it out and sent it back, and since then, have not responded. I have spoken via email with BBB several times, and they just keep issuing the company 3 day extensions to respond. But as of yet, they have not.IT HAS BEEN OVER A MONTH! 
They are breaking the law at this point. They are required to provide validation of the debt if they are collecting it. I truly have no idea who this company " XXXX XXXX '' is, and need this removed from my credit asap.

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 2017-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was reviewing my car note statement notice that the principal had reach to a total of {$280.00} as XXXX/XXXX/XXXX and the interested rate {$75.00} dollars. I was wondering if the company was charging and extra fee for the car even though the APR was 5.990 % .quote on quote is state if you are late paying it 's only {$2.00} a day after the 4th day.

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 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
on XXXX/XXXX/XXXX bank of America took the amount of {$460.00} from my account in reference to a claim I made against XXXX XXXX, on XXXX of XXXX I called XXXX XXXX to provide me internet and television services, which they consented upon arrival the technician said because of my location they will not be able to mount the XXXX because there will be no reception that means they can not provide me any services, the technician offered to mount my flat screen tv on the wall for the sum of {$200.00}, i paid the technician with my debit card for mounting my tv on the wall. the very same day i cancelled XXXX for failing to provide services as required. on XXXX/XXXX/XXXX XXXX used my card information and charged my account with the sum of {$460.00} i called bank of America and made claim number XXXX against XXXX XXXX for a fraudulent transaction, on XXXX/XXXX/XXXX bank of America ordered that i cancelled my debit card so XXXX can not use it against me, which i did and a new debit card was re issued. on XXXX/XXXX/XXXX bank of America took my money and refusing to replace my {$460.00} back. i want my money.

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