vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Date of Charge : XX/XX/XXXX Speedway Gas Station XXXX City XXXX XXXX XXXX, Pa XXXX At the time I purchased the gas - The gas attendant informed me after the gas tank was fill for my car that I could not have a receipt because the machine was broken that prints it out. Charge should have been : {$35.00} was charged {$100.00} for gas at a local gas station by my college. I disputed the charge with Capital One as soon as I saw it on my statement. I received from Capital One at letter with the confirmation of a charge for {$100.00} stating that I purchased {$100.00} worth of gas. I wrote in my dispute letter ( XX/XX/XXXX ) that I own a toyota corolla XXXX it only takes 13.2 gallons of gas to fill the tank. On the receipt from Capital One it stated from the gas station ( that Capital One Requested ) that I purchased 37.893 Gallons of Gas for a charge of {$100.00} - this is a scam they have done this to many local college students to rip off their credit cards. I also expressed this information to Capital One that they should conduct a fraud investigation into this matter. On XX/XX/XXXX I received a letter from Capital One stating that the matter was closed. I am a harding working college student ( XXXX ) this is a large amount of money for me - I work hard for everything I have. Please look into this matter and let me know your findings XXXX Attached is the letters and information )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I HAVE A COLLECTION WITH ACCOUNT XXXX XXXX THAT IS SITTING ON MY CREDIT, I CONTACTED THE ORIGINAL CREDITOR AND PAID THE ACCOUNT OFF SEVERAL YEARS AGO, I HAD TO BECAUSE IT'S A UTILITY. BUT THIS COLLECTION COMPANY KEEPS IT ON MY CREDIT REPORT SHOWING I OWE A BALANCE ON THE ACCOUNT. I CONTACT THEM AND THEY WANT ME TO PAY THE BALANCE, EVEN THOUGH I HAVE TOLD THEM THAT I PAID WITH THE ORIGINAL CREDITOR. THEY DON'T SEEM TO CARE, THEY ALSO HAVE NEVER SENT ME ANY PAPERWORK REGARDING THIS ACCOUNT AND THEY KEEP RESPONDING TO THE DISPUTES THAT I PUT THROUGH THE CREDIT REPORTING COMPANIES, AS THE ACCOUNT IS ACCURATE AND NOT MINE. THIS IS CAUSING ME TO NOT BE ABLE TO REFINANCE. THEY ARE STOPPING THE LOAN PROCESS OF XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax to remove items from report they have done nothing, they did not advise me in time and they keep sending me messages but can ; t open up to their site to get my report. They DID NOT advise me in time of 30 days of required response. I have tried to chat, go on line, call and get no responses within the required 30 days. I want to file report against Equifax. They only sent me a message AFTER i made my complaint to you. They did not meet the 30 day deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: KS

Complaint narrative:
I HAVE A COLLECTION WITH ACCOUNT XXXX XXXX THAT IS SITTING ON MY CREDIT, I CONTACTED THE ORIGINAL CREDITOR AND PAID THE ACCOUNT OFF SEVERAL YEARS AGO, I HAD TO BECAUSE IT'S A UTILITY. BUT THIS COLLECTION COMPANY KEEPS IT ON MY CREDIT REPORT SHOWING I OWE A BALANCE ON THE ACCOUNT. I CONTACT THEM AND THEY WANT ME TO PAY THE BALANCE, EVEN THOUGH I HAVE TOLD THEM THAT I PAID WITH THE ORIGINAL CREDITOR. THEY DON'T SEEM TO CARE, THEY ALSO HAVE NEVER SENT ME ANY PAPERWORK REGARDING THIS ACCOUNT AND THEY KEEP RESPONDING TO THE DISPUTES THAT I PUT THROUGH THE CREDIT REPORTING COMPANIES, AS THE ACCOUNT IS ACCURATE AND NOT MINE. THIS IS CAUSING ME TO NOT BE ABLE TO REFINANCE. THEY ARE STOPPING THE LOAN PROCESS OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: NC

Complaint narrative:
I am a victim of identity theft.

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 2018-05-02 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: VA

Complaint narrative:
I accessed my credit report from Experian in XXXX of 2018. I noticed there were MANY instances of my name that I have never used, but were listed on my credit report. I wanted to open a dispute regarding this incorrect information, but was prevented from doing so in an expedited manner, as Experian does not allow online disputes for this type of information, despite the fact they are solely responsible for the incorrect reporting. 

I am currently attempting to purchase a car. Credit scores have direct financial impact on the APR I will pay for a new car loan. Having MANY versions of my name that are incorrect likely have an impact on my credit report. Despite these circumstances, Experian says the ONLY methods by which I can dispute their incorrect information is via XXXX Mail or telephone. I am XXXX and do not use voice telephones. Despite this, Experian refuses to make any other method available to dispute this incorrect information. 

Experian is also reporting MANY unauthorized credit checks on my account ( one company making 5 inquiries in the space of a couple of months ) for which they refuse any type of dispute process. 

In addition, Experian claims to not have an XXXX coordinator for XXXX individuals, and further refuses to provide information for anyone on their legal team, making it impossible to escalate this issue. 

Providing XXXX Mail as the only option for XXXX customers is discriminatory, as able customers can get their dispute investigated immediately, whereas for XXXX Mail disputes, there is an inherent slowness that causes delay, putting the XXXX customer at a significant disadvantage in attempting to make major purchases.

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 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I would be very VERY cautious before ever EVER getting a mortgage with XXXX XXXX. If you do you will be inundated with mail and email solicitations trying to get you to refinance. The mail solicitations they make look like something you need to open and when you do it will just be another sales pitch. You get so many that you begin to routinely throw them away rather than waste your time ... but beware ... in the process you might throw away their annual escrow analysis. So even if you have the mortgage set up to be automatically paid by your bank 's bill pay system, you will suddenly not be paying enough. They will call you and email you non-stop to refinance you but will they tell you your payment was a little short? Nope!! So although you send them your payment, they will take the payment and sit on it ... and not apply it ... because it wasn't the new full amount. Then they will report you late to the credit bureau. 

They never sent it back they never called me to let me know they were just holding it in limbo. Instead they reported it 1 times 30 days late on my credit report despite that I had paid on time just was short by their new escrow adjustment. I brought this to their attention and asked them to correct the error since they actually had almost the entire amount of my payment. Their response was " This correction would be considered a courtesy and we are unable to honor the request. '' Again, be wary of doing business with this company. They are very dishonest. My credit history is spotless except for this because I always pay my bills on time. Please help me get them to fix this error.

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 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a 401k with XXXX XXXXBank of America. XXXX is forcing me to close my account on XX/XX/18 against my wishes. Because of this, I am going to have to deposit the money in my IRA with XXXX Funds. I sent Merrill Lynch a written request to complete this transfer, but XXXX XXXX XXXX with XXXX refused saying they don't take written instructions. It's 2018 ... .business is done in writing.

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 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX. Received a letter in the mail from Citibank on XX/XX/2018 indicating that we had to update our account information or our account would be blocked until they received documents requested. 
XXXX. On XX/XX/2018, I went to the online form, completed the requested forms, received a reference ID of # XXXX and uploaded the forms. ( Attached 1 ) 3. On XX/XX/18 I received a notice from Capital One Credit Card that our payment was returned from Citibank due to a Payment Account issue. ( Attached 2 ) 4. I called Citibank on Monday, XX/XX/2018, after returning from a business trip. I was told my account was blocked because we did not complete an Addendum E Form. We completed the Addendum E form and emailed to Citibank. ( Attached 3 ) 5. XX/XX/2018 - Another block was placed on our account as I found out via a phone call from concerned vendors. I called Citibank and was told that we needed to complete another form before they could unblock the account. I asked them to have a check issued to close the account as we will not be doing business with them going forward. 
They stated that they will issue a check and I can pick up the funds at my local branch tomorrow. 

Is it legal to block payments from this account without any notice?

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 2018-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
In the month of XX/XX/2018 I submitted payments to Carrington Mortgage Services LLC in the amount {$6500.00} mailed to the company for an additional principle payment. I additionally made my standard monthly payment of XXXX with an additional principle payment {$320.00} which totaled {$3000.00} which includes the XXXX $ fee for paying it on line. The total payment of {$6500.00} was credited to my standard monthly payments of escrow, interest, insurance and a small amount of principle instead of a total principle payment. This pushed my next payment out until XXXX. 

This principle payment was made to lower my mortgage balance and remove the PMI ( primary Mortgage insurance ) from my loan.

I have called this company 4-5 times to have them correct the payments and credit the interest to my principle balance to no avail. Each time they are contacted they tell me to call back in 72 hours and nothing is corrected. Carringtons number is XXXX during this process they continue to collect interest on the money i have already paid them and additionally collect primary mortgage insurance they are not entitled to. This is outright fraud and a direct violation of the truth in lending act. 

I would like to file a formal complaint against this firm for their truth in lending as they continue to defraud and allocate funds to imaginary accounts holding these funds to pay balances as they wish instead of following the directions from the borrower. 


XXXX XXXX -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: KY

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
XXXX and XXXX XXXX working with XXXX at XXXX XXXX. Said I owe {$2600.00}. an if paid in 30 days it would not go higher. Attached are the payments. they said it would be Reported to the Credit Reporting Agency 's. National Credit Systems is handling this, and laughing every time I call to have my report updated. National Credit Systems should be sued so they close their doors. the Malpractice they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
National Credit Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2016, American Express reported on my credit file a delinquent charge. During this time, I was experiencing a serious illness which led to hospitalization and XXXX. As a result, I fell on hardship, as well as charges being made on my account that the creditor has not been able to verify. Can you please assist me in this matter of helping to restore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
My car was repoed in XX/XX/XXXX. I filed Chapter XXXX bankruptcy and got the car back. I ended up having the bankruptcy dismissed due to the payment amount was too high. Prestige Financial let me keep the car and continue to make payments on it. Every month they are reporting to the credit bureaus that the car is in repo status and they are not reporting my on time payments. They also show that I owe over 21,000 on the car and I purchased it in XX/XX/XXXX for XXXX. I do not understand how I owe way more than what I purchased it for 4 years later and my interest rate was not extremely high to begin with. I have disputed my credit reports for them to show my payments I've been making on time since XXXX of last year. I have contacted them to also do this and no one can explain to me anything about the amount owed or why it reports repo on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: KY

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
LTD Financial Services is trying to collect a debt for {$520.00} for XXXX XXXX XXXX complex. The company kept my {$400.00} deposit when I moved out and now they are sending me a bill for this amount. I cleaned the apartment, and carpet is due to normal wear and tear after 2 or 3 years which should be replaced anyway so why am I being charged for damaged carpet? This debt was opened on XX/XX/2017 and no one reached out or contacted me about any misdoing when I left.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: IL

Complaint narrative:
On XX/XX/2018, I read an alert from my bank, XXXX XXXX Bank, that XXXX XXXX Bank reported my credit card account as " Charged Off. '' Per the alert from my bank, dated XX/XX/2018, XXXX XXXX XXXX  reported the account as Charged Off on XX/XX/2018. I called XXXX XXXX XXXX  at XXXX and spoke to a representative who said her name was " XXXX at extension XXXX. '' XXXX said that the account would have been reported as charged off due to late payments. However, after she reviewed the account, she confirmed I have not had any late payments. XXXX asked to review the account again and consult with a supervisor. After, she said the account was reported as Charged Off because a payment was returned resulting in the account being closed. She said XXXX XXXX Bank reports accounts as Charged Off when they are closed due to returned payments even if payments are made on time before and after the returned payment. I asked to speak with a supervisor who introduced herself as XXXX. XXXX confirmed what XXXX told me and said, put me on hold to consult with the " Concern Dept. '' and returned to the call to tell me there was nothing anyone could do to help me. I asked XXXX when XXXX XXXX Bank charges off accounts, and she said when they are 180 days late. I asked her if my account has been late, and she said no. I asked her how XXXX XXXX Bank can legally report my account as charged off if my account does not meet the criteria, and XXXX said there are other reasons that accounts can be legally charged off which includes the reason why XXXX XXXX Bank charged off the account. XXXX transferred me to her manager. The manager said that his name was XXXX. XXXX barely listened to the issue but did confirm that the account was charged off and reported as such because a payment was returned resulting in the account being closed. XXXX said that XXXX XXXX Bank followed federal laws when they charged off and reported the account as such to the credit bureaus.

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