vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
Continental Finance LLC, account ending in XXXX <P/>A dispute was filed for a charge in the amount of XXXX, XXXX on or around XXXX XXXX, 2017.  The item, a Mens XXXX watch, was not in package when received. The merchant provided a response which was not received in time for me to respond in the allowed time frame. The dispute dept advised me to go ahead and reply to the merchant response once they emailed me a copy of it. The merchant response is false/inaccurate as it refers to an order sent out in XXXX of 2017, a month BEFORE I placed the order. it was shipped to a XXXX XXXX in XXXX, NY. My name is XXXX XXXX and I live in Connecticut, obviously, this information is false and inaccurate as previously stated. I do not believe I should have to write in a detailed letter to disputes dept explaining these inaccuracies, however, I did so anyway and response was received on XX/XX/XXXX. It was not received in time as again, I did not receive the information in time to respond by due date. The case has been closed in favor of merchant even though I did not receive item. I 've attempted to resolve matter with disputes dept, however, reps refuse to do anything further. I believe they should have seen the info provided from merchant is false and inaccurate and do not need me to write to them stating so. I refuse to pay this charge and needs to be credited OFF the account. The merchant also references a replacement XXXX watch, which is not what I ordered and was placed a month BEFORE the charge on XX/XX/XXXX. The bank has been making numerous harassing collection calls due to a missed payment, the bank account information provided for auto pay had to be corrected, I believe a number was missing from account. They also need to stop calling me

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 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I have sent off certified letters to both the collection agency, Conserve and the Original Creditor XXXX XXXX XXXX College in an attempt to resolve this matter but have received no response. XXXX letter was sent to Conserve on XXXX XXXX, 2017 requesting a response within 30 days to resolve the matter. After I got no response I sent a letter to the original creditors XXXX XXXX College Business office on XXXX XXXX, 2017 again  asking if we could have the matter resolved in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I wish to lodge a complaint about my  Costco Citi Visa car d. I discovered that the card had been disabled on  XXXX   XXXX  when it was refused at  XXXX    XXXX    XXXX  in  XXXX , CA. I had inadvertently missed the  XXXX  monthly payment specified in the  XXXX  statement. The  XXXX  statement specified a  XXXX   XXXX  due date. I had several weeks earlier scheduled full payment by that date, including the late payment fee and accrued interest. Since that statement due date had not been missed, there was no reason for Citi to disable my card.

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 2017-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
I 've received mixed messages from my lender, Mohela, concerning my loan balance : XXXX XXXX, XXXX : Received message from Mohela explaining my loans are paid in full. XXXX XXXX, 2017 : Received official paid-in-full letter. XXXX XXXX, 2017 : Current student loan interest statement now indicates my principal balance is {$17000.00}. <P/>If I owe $ XXXX, then why did I receive messages that I paid my loans in full?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: TX

Complaint narrative:
I have ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of accounts.

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 2017-07-10 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: IL

Complaint narrative:
Transunion Continues to enact improper reporting practice on my credit bureau. They have merged my file with someone else 's. There is a Chapter XXXX and Chapter XXXX Bankruptcy listed my report that belong to another XXXX XXXX. I have attached a copy of my drivers license as proof of my identification. I have also attached copies of my leases dating back to 2010 to prove my whereabouts. I have attached copy of the discharge papers obtained from the court. The XXXX XXXX listed here has another social security number, as well as a different address. My social security number as noted on my credit report is XXXX. I never lived at XXXX XXXX XXXX in XXXX IL. Please immediately remove these erroneous listings 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 2017-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I RECEIVED SOLICITATION FROM CHASE DUE TO MY OUTSTANDING CREDIT AND COMPANY NEVER TRANSFER THE BALANCE AND ALSO CONTINUE TO CHARGES ME INTEREST FEES THRU OUT THE PROMOTIONAL 15 MONTHS STATED AS ADVERTISED AND PROMISE NO FEES/ INTEREST ... IN WHICH IS VIOLATES OF ... DECEPTIVE BUSINESS PRACTICES, BAIT N SWITCH, VIOLATES TRUTH AND LENDING ACT, FCBA AND FDCPA '' ..ALSO I DID NOT RECEIVE ANY NOTICE IN TIMELY MANNER OF BILLING STATEMENT AS REQUIRED PER FCBA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
I have never received any letters or contact from this company it just showed up on my credit report.     I have no clue who they are and have no contract or such with them.      XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  I tried disputing through  XXXX  but was told updated and that was it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax/XXXX Credit Reporting Agencies Credit Report DatedXX/XX/XXXXUpon receipt of credit report datedXX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have called Equifax and XXXX on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use Equifax Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: TX

Complaint narrative:
I have ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of accounts.

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 2017-07-10 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: TX

Complaint narrative:
I have ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: TX

Complaint narrative:
credit reporting company fail to provided me with proper notification of a debt collection that I have on my 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 non-monetary relief
Consumer complaint received 2017-07-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My father was a victim of identity theft. Given his elderly state and increasing XXXX, I have been given Power of Attorney in order to help him resolve the issues he 's had. I placed a fraud alert on his credit and the police acted, resolving the situation. I now need the fraud alert lifted so that he can use his credit to be approved for housing. <P/>Experian has continually refused to give me any information about his accounts or allowed me to address the issues despite my repeated fulfillment of their requests to send them the legal Power of Attorney forms. They have given me several different avenues which have been contradictory and refuse to respond to any of my inquiries over their website or phone. <P/>I get a different explanation of what is required every time I contact them, and their online forms refuse to allow me to upload the documentation they require. They seem to be deliberately obstructing my ability to resolve the dispute in a reasonable timeframe. <P/>This has been going on for nearly 30 days, and I have yet to see any action on the part of Experian to resolve the situation.

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 2017-07-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had disputed a civil public record showing on my credit report due to wrong reporting and inaccuracies, under the ( FRCA ) reporting agency, Starting onXX/XX/XXXX, the XXXX major credit reporting companies - Equifax,XX/XX/XXXX andXX/XX/XXXX - will change the their rules for the types of public records they collect. In the future, all items on the credit report will be required to contain the subject 's name, address and Social Security number of date of birth. Entries without this information will be deleted. The most obvious effect will come in the removal of tax lien records and civil judgments from many reports. About half of all tax lien records and almost all of civil judgments for inclusion on credit reports and will therefore be removed. Tax liens comes from unpaid state or federal tax bills ; civil judgments come from lawsuits related to old debt, unpaid child support, evictions or other non-criminal debts. Inclusion of either type of records negatively affect someone 's credit score. will be invalid effective XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX/Experion Credit Reporting Agencies Credit Report Dated XX/XX/XXXX Upon receipt of credit report dated XX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have calledXX/XX/XXXX and Experion on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use XX/XX/XXXX Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.

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 2017-07-10 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: EQUIFAX, INC.
State: OR

Complaint narrative:
OnXX/XX/XXXX Equifax received and signed for, my 1st letter disputing inaccurate reporting of a state tax lien on my credit report.That Tax lien acct # is XXXX They sent me a letter saying my request was validated. On XX/XX/XXXX Equifax received my 2nd letter, again disputing innaccurate reporting of said tax lien. As of this typing, I have already sent a dispute through CFPB, and Equifax stated they removed tax lien acct # XXXX, however it is still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
Was not informed about the charges or debt collection actions. Never received an opportunity to dispute debt before being placed on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I tried communicating with them XXXX XXXX and they keep playing games it 's my credit report I keep disputing in and they keep removing it and putting it back on there making my credit go down and down and down they are making this a joke and I keep letting them know by communicating with them that this is not my account and it 's fraudulent they keep harassing me every single day and they do n't want to listen to anything I have to say my credit report agencies have communicated with them but they do not wish to do anything please have them remove this from my credit report they keep taking it off and putting it back on two cause my credit to go down even worse they called me and told me they will keep doing and threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
I have tried several times to have Midwest Recovery Systems located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX to send me a complete verification of debt. onto this date I have not receive any documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America ( FIA Card Servies ) continues to report two obsolete credit card accounts. The Bank of America ( XXXX XXXX ) credit card is account number XXXX**** and Bank of America Credit Card ( mastercard ) XXXX****. <P/>Both of these Bank of America accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX )  and XXXX ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with Bank of America with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with XXXX. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. Bank of America has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted 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 2017-07-10 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: AMERICAN HONDA FINANCE CORP
State: DE

Complaint narrative:
I have a loan with Honda Financial Services. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
On or aroundXX/XX/XXXX I received a letter from TRANSWORLD SYSTEMS INC. a collections letter from XX/XX/XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent in injunction. And it also appears Transworld operated under a different parent company in XXXX and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
Hello -- I have a student loan that is being serviced by Navient. I have a subsidized loan and an unsubsidized loan. On Thursday, XX/XX/XXXX I called Navient to payoff my subsidized loan of {$3500.00}. The customer service rep told me that this was possible and proceeded with the payment of the subsidized loan and even congratulated me on paying this loan off. I went to check my account online on Saturday, XX/XX/XXXX and the payment was posted to both my loans versus just my subsidized loan. They paid {$540.00} to my subsidized loan and {$2700.00} to my unsubsidized loan. I called on Monday,XX/XX/XXXX to fix this and I was told that I was given wrong information on Thursday and they ca n't pay off the subsidized loan. They told me that Navient only views it as one lump sum and not two separate loans and federal law states that they ca n't pay off the one loan. The federal governement views it as two loans only. However online under my account details, on the Navient website it states : Ready to pay off this loan today? Here are the amounts : Online {$2900.00} By U.S. Mail {$2900.00} This is misleading the consumer. I was told by phone that I could pay off my account and it even states this on the Navient website. However when I made the payment, they then tell me that I ca n't. <P/>Please contact me with any further questions you have. Thank you.

Company response to consumer: Closed with explanation