vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 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: FL

Complaint narrative:
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my Experian and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. 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 non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I drop a broad at work and call in to say I mite miss a payment.. That sat. I open my mail and there was a foreclose letter and a mortgage to? this is us bank they have took my credit and made it so I ca n't get a loan or reference my house which I been in for five years or more.I have never miss a payment till now they will not take a payment at all even the full amount.

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 2017-08-18 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: AL

Complaint narrative:
In XXXX XXXX XXXX I got notice items were removed and added to credit report for Equifax. There was XXXX delinquent items deleted and XXXX new ( valid ) accounts added. On today XXXX XXXX XXXX I received notice my credit score had dropped and not only was those items added back but the actual new credit lines that was previously added has been removed. I call Equifax and was adviced there is nothing that can be done. Not only was I not notified, this is neg effecting my credit that I 'm working hard to repair. In addition I 've notified the bureau on several occasions they have incorrect personal information. The addresses being added were removed and added back. There should only be XXXX address which is XXXX XXXX XXXX XXXX Al XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Its not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victom of a data breach when I was serving in the XXXX XXXX. I recieved a letter from the XXXX government stating my identity was stolen. This occured in XXXX. I have notified all XXXX credit bureaus since then numerous times with letters and police report and these items are STILL FRAUDULENTLY REPORTING on my credit report. I spoke with a supervisor at Equifax on XXXX XXXX XXXX and was told they would contact me within 4 days with dispute results, they did not. I then called and spoke with a XXXX, she would NOT let me speak with her supervisor. She would NOT remove these fraudulent items. She also WOULD NOT remove the items reporting as late pays that were NOT EVER late. I have written formal letters again more recently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX and submitted them by mail to the bureaus along with my correct indentification and supporting documentation.according to the law, they must respond within 45 days of recieving my letters from their investigation. They must provide me legal notorized documentation from the lenders proving these items are mine or else they MUST REMOVE THEM. I called to notify them twice now and was told they would not remove them. This is a direct violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over the past 5 years I have been making small, {$50.00} payments to Sears for a charged off credit card account. On XX/XX/XXXX I contacted Sears in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX, XXXX. ( XXXX ) On XX/XX/XXXX I contacted XXXX and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XX/XX/XXXX, I was told on three different occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? Please help.

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 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
Pinnacle Credit Services is a collection agency that has multiple dba's/aka 's in multiple states. This collection agency has removed and reinserted the same account into my credit file multiple times for a debt that is well beyond the statute of limitations for the state of Georgia. They have dishonest tactics such as changing the last activity date in an attempt to re-age the time allowed for the negative information to remain in my credit file. They have changed the amount owed and reinserted the account into my credit file under one of their many dba 's after the account had already been removed from my credit file as shown in the attached files. This company is so bold and egregious in their tactics, they have listed one of their dba 's as the original creditor in my XXXX credit file and report ( as shown in the attached files ). You will notice that I have attached my XXXX  and XXXX credit reports that were pulled on XX/XX/XXXX as well as XX/XX/XXXX to provide a visual example of the unfair and deceptive tactics used by this organization. The name of the collection agency, Original Creditor, Balance and account numbers all changed from what they were in XX/XX/XXXX to what they are now in XX/XX/XXXX. [ Equifax Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services LLC| |Original Creditor : XXXX XXXX |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now : - ( blank ) | |Original Creditor is now : Pinnacle Credit Serv ( Yes ... They are now listed as the Original  Creditor!! ) | |Balance/High Balance is now : $ XXXX| |Account number is now : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- [ XXXX Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services| |Original Creditor : XXXX XXXX XXXX| |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now - Pinnacle Llc| |Original Creditor is : XXXX XXXX XXXX| |Balance/High Balance is now $ XXXX| |Account number is now : XXXX Not only is this alleged debt well beyond the statute of limitations for collections and beyond the statute of limitations for it to be reported in my credit file. The unfair and deceptive tactics used by this collection agency are in direct violation of the law, according to the Fair Debt Collection Practices Act ( FDCPA ). The many names, dba 's and aka 's under which this company operates are listed below : XXXX XXXX XXXX XXXX dba/aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX, SC XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX   aka/dba/Pinnacle CS/Pinnacle Credit Serv/Pinnacle Llc 1XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX, Issurer of Walmart Mastercard, continually shifts log in methods rendering it difficult to monitor the account. THIS IS A SECOND COMPLAINT ABOUT THE SAME ISSUE. Their online service will now not accept my passcode. Their online service offers two ways to reset passcode, by text or phone/voicemail. Their system would not accept by phone/voicemail, offering text only. I DO NOT TEXT. I HAVE ONLY A BASIC PHONE. I 'm going on XXXX years old. very few elderly text, so they are discriminating against the elderly. Then, in a telecom, XXXX manually sent me a 4 digit code to put in so that I could reset my passcode since XXXX 's system refused to accept my original passcode. That code was was repeated electronically over and over until I hung up, which was XXXX. Synchrony 's system refused to accept the code given, XXXX. I can not view my recent activity and I suspect XXXX and/or Walmart are hiding something or discriminating against me to the extent that I will just quit and pay whatever they say I owe. THAT 'S NOT GOING TO HAPPEN. AT THIS JUNCTURE, IT APPEARS TO ME THAT THEY ARE " CUTTING OFF THEIR NOSE TO SPITE THEIR FACE ''. So they want to play games, they came to the right place me being from XXXX, NY, and a staunch supporter of XXXX XXXX, hopefully one of our next Presidents. I am going to pay off the paltry balance and put a " FREEZE '' on the card. I have other sources to utilize so Synchrony wo n't even get the XXXX cent or so swipe fee. Walmart is a criminal enterprise anyway, having been convicted of criminal offenses, stated upon information and belief. Myself, no criminal record, no traffic record, no nothing.

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 2017-08-18 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: RI

Complaint narrative:
my credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: RI

Complaint narrative:
my credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.

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 2017-08-18 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: RI

Complaint narrative:
my credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.

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 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I overpaid my mortgage on XXXX and XXXX. the payment on XXXX was in the amount of XXXX and overpayment of XXXX. I also made a second payment of XXXX on XXXX. I contacted my bank XXXX on the XXXX asking the the second payment be reversed since it was an electronic payment and would not be posted until the XXXX. XXXX told me they could not do that and to contact my mortgage company Santander. I went to santander branch on XXXX XXXX and asked for the payment to be sent back. they placed a request. On XXXX I called santander because my payment was not reversed they said it had to go through the back office and may take 10 business days.I spoke with the morthage company again on XXXX as they called me and they requested that I send them a copy of my bank statement showing the funds had been removed from my account. I faxed a letter with a copy of my account statement showing the funds were indeed removed. I asked why they needed that since they had my money in hand. I called santander again on XXXX and they are now requesting a letter from XXXX stating that they submitted the XXXX payments and that they will honor both payments and to please refund me my money back to my account. Santander said they do n't want the check to stop payment. I told them it was electronic and not a check. I am still waiting for my money I overpaid. My XXXX mortage payment is not due till XXXX well beyond this 10 day waiting period so they should not be worried about the funds not being honored. They have my money and I am in my legal rights to have it returned back to me as quickly as it was taken electronically.

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 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have tried on numerous occasions to have these inaccurate debts removed my credit reports. I was never given notice that I had a right to dispute them before they were added. Upon checking my credit reports, that is how I found out about the accounts. I have disputed the debts with this company, asking that they validate that I have done business dealings with them, also asking that they send me proof of my signature agreeing to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
my loan is with synchrony bank who finances XXXX. the loan was done XXXX XXXX of this year. they called me and notified I had over XXXX worth of late charges. At the time of the phone call I could not pay the XXXX so I set up an auto payment for XXXX and XXXX to pay the charges off. The first payment of XXXX was deducted on XXXX XXXX per our agreement. Then on XXXX XXXX they sent through a monthly autopay of XXXX which sent my account into overdraft. I called my bank and told them this was not authorized and they rescinded it. Synchrony then charged me XXXX for stop payment. When I called them and complained they did rescind the fee of XXXX. now in XXXX they took the XXXX payment to pay off the late fee, and turned around and again sent through the monthly payment of XXXX. When I called to talk to them about this they said the auto payment continues for 60 days after the loan is completed. Needless to say my bank had already stopped this autopay and they have again charged me for return fee and they will not rescind this XXXX fee. I tried to tell them that they had sent through 2 days after the last payment for late fees had cleared my bank so the loan is over. I am so frustrated with this type of banking. All I want is for them to rescind the fee. I 'm afraid I was not very kind over the phone with them but oh well.

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 monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Westlake Services, LLC
State: NV

Complaint narrative:
ON XX/XX/XXXX sent a certified letter signed for on XX/XX/XXXX by a rep by wilshire letter stated I was disputing the alleged account/ charge off/ bad debt of {$4400.00} no respond and no dispute reported on credit reports next certified letter sent on XX/XX/XXXX, signed for on XX/XX/XXXX by rep from Wilshire, no respond to letter and no dispute on credit reports, send 3rd certified letter on XX/XX/XXXX signed for on XX/XX/XXXX by rep from Wilshire no respond from company and no dispute on credit reports. Wilshire did not respond in a timely manner and that they had not provided evidence that the account was mine. Please delete the incorrect information thank you for your help. XXXX XXXX my email is as followed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: COMMERCE BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for the XXXX XXXX XXXX XXXX XXXX XXXX credit card backed by Commerce Bank. My XXXX credit file was then hard pulled three ( 3 ) times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation