vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Sent Ally letter asking that late payments be removed as we did not agree with late payment reports, they mailed back letter saying they would not change anything they agree with what was reported, after I sent letter they locked me out of my online account so I could not get in and make my payments, when you call you have a hard time getting someone who speaks or understands English. They always say we will look into it and get back with you but nobody ever does.

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 2018-05-15 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Company inaccuratley reporting on credit report. Refuses to update payments. Cousomer Service veey rude states will not discuss actions taken to fix. States special rules with my account and will only comnunicate via mail for my account. Advised to send email only and emails were exchanged. 
Company is retaliating for having filed a complaint. 

Information from XXXX XXXX accurate and is updated in minutes of any action on my report. Company continues to yo yo around with my credit amount originatikn amount and now my payments.

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 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: States Recovery Systems, Inc.
State: TX

Complaint narrative:
They were hateful, threatening I think there scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Niagara Credit Solutions, Inc
State: OH

Complaint narrative:
I received a notice for this debt from a Niagara Credit Solutions , Inc on XX/XX/XXXX stating that the debt owed was XXXX. Then on XX/XX/XXXX I received a call from someone at ext XXXX saying that I owed over XXXX don't recall the full amount. How is this possible what interest rate are they charging on this? I want a copy of any letter stating the rate that would be charged to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
XXXX sent an account to collections. Then the account went to a collection agency. I called XXXX to settle the account and XXXX told me to call the collection agency- XXXX   XXXX. I called XXXX XXXX and a representative told me that they no longer had the account and to call XXXX back. I then called XXXX to verify address. I mailed a settlement letter to XXXX on XX/XX/XXXX, in which XXXX accepted the {$550.00} & terms on XX/XX/XXXX. I have the letter and the cashed check from XXXX. The new collection agency is Diversified. Since XXXX accepted the terms in the Settlement letter - I no longer owe XXXX or any collection agency any money. If XXXX did not accept the terms of the settlement then they should not have cashed my check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 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: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Caliber home loans is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with Caliber Home Loans but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with Caliber Home Loans. I have requested Caliber Home Loans to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for Caliber Home Loans to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and Caliber Home Loans to report the same data and it is inaccurate for both creditors to report the same data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: LA

Complaint narrative:
Amex 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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I had a judgement on me from XX/XX/XXXX via Chase Bank. Who is now XXXX XXXX. I did not know a bout this and had a closing scheduled on a piece of property in sc. Which was brought to my attention. I could not close due to they would not settle with me. I had contacted the attorney in sc who gave me a a pay off of XXXX Dated .. XX/XX/XXXX.. Then i get another attorney with the same judgement ( transferred to Tennessee ) and they would budge off their total. {$8600.00}. REFUSED to take lesser amount. 

1 XXXX XXXX is not the original debt.. it was chase. 
2 they held up 3 other loans from being paid due to their stance on this. 
3 2 different amount from 2 different attorney for the same debt. XXXX dollar difference in the SAME MONTH.. 
4 original debt was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: MO

Complaint narrative:
Called Experian and XXXX  for them to remove a ( PFD ) Pay for Deletion account on my credit report. Had an agreement with XXXX XXXX that if I paid my revolving debt off it will be deleted off my credit report so I can close on my house. It is in XXXX XXXX system so if any questions needed contact 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 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized DEBT RECOVERY SOLUTIONS , LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX and was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to DEBT RECOVERY SOLUTIONS , LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 

Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I bought a duplex owner occupied though wells fargo using a conventional loan. when the market dropped I refinanced the loan through a government streamline program to a 15 year loan. so when I hit the government mandated 78 % loan to value the private mortgage insurance should have automatically dropped. It didn't. I now have 62 % loan to value and still paying mortgage insurance.

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 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX XXXX -- " Bank of America XXXX BankAmericard said they never received my payment of {$88.00} due on XX/XX/XXXX and sent on XX/XX/XXXX. This was just discovered today when I went to pay this months bill. I just called and talked to XXXX in NC she said they never received my check payment. So I was charged {$25.00} late fee and {$3.00} interest. Is anyone watching to see if there is an uptick of late payments to this company? Who knows what happened to my payment BUT " Bank of America '' just made a lot of money off my payment that conveniently never showed up. I might have to look into " BIT COINS '' or other forms of payments.

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 2018-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
mariner finance of VA, LLC Keep me coming back to court claim I old payments, trying to get a judgment, I went to court on XXXX XX/XX/XXXX Mariner claimed l old money, my payment is do no XX/XX/XXXX XXXX all my payment are up to date, mariner finance have ME coming back to court on XX/XX/XXXX, out of retaliation I BECAUSE WILL not refinance my loan, I WILL NOT GIVE MY NEW BANKING INFORMATION,

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One 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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
A debt collector called trying to collect a debt on a credit card. The debt collector told me that the account was open and if I made a payment I would still be able to use the card. He told me this three times. After I made the payment he said he had made a mistake and that the card is actually closed and that I would have to reapply. I asked to talk to his manager and his manager admitted he " made a mistake '' but refused to refund my payment or do  anything for me at all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since XX/XX/2018 until present I have tried to cancel a recurring {$19.00} Experian Credit fee. I can not email them, they make you call and never answer the phone. I have called more than a dozen times with 20 or more minutes of wait time. Please stop them from stealing.

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 2018-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but XXXX XXXX XXXX has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.

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 2018-05-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: MD

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.

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 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: LA

Complaint narrative:
1. XXXX XXXX, unauthorized charges deducted from my account for purchases and subscription through XXXX XXXX ( XXXX and XXXX ). Credits were issued, but not accurately posted back to my accounts. Done as a bank transfer to other account, XXXX XXXX XXXX Account ending in XXXX with Exp XX/XX/2018. Has transferred over {$5000.00} by use of XXXX account by placing said XXXX XXXX XXXX Card on account and removing XXXX XXXX Debit Card Account. Just want money back from XXXX Account and credit from a XXXX Purchasr for unauthorized use and access with a fraudulent card/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
OnXX/XX/XXXX I called XXXX XXXX Credit card that I overpaid my bill by {$310.00} and I requested to send me my money back - I should receive check from 7-10 days. 
I called XXXX XXXX card again after 16 days on XX/XX/XXXX and I've told representative that my refund check didn't show up yet. 
He offered me to cancel first check and issue new one after 7-10 days. 
After 14 days on XX/XX/XXXX I called XXXX XXXX Credit Card and I asked them to check what did happen to my second refund check? 
XXXX XXXX Credit Card representative told me that currently they are working on fraud case to determinate who took my check and my money from my account? 
So I won't get any money until the case is closed. 
They didn't give me case number and they took money from my XXXX XXXX Credit Card account. 
Would you please help me to force somehow XXXX XXXX Credit Card to refund my overpaid amount {$310.00}? If I own them money they charge me late fee {$35.00}, when they own me I should charge them {$35.00} but I can't. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 's account : 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 monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been a customer of TD bank for almost a year now. I have been withholding my comments for some time now. However, it seems that their overdraft practices border on predatory. I used to work in the banking industry and I recall how most banks handle their deposits. Usually, the bank processes the deposits first before processing the debits, no matter what time the transaction occurred, as long as it was the same day. This is not the case with TD Bank. They process the transactions at the time they occurred and let 's say I were to make a deposit after I noticed a charge was over drafting my account, they process it last so they can charge me an overdraft fee. I am very disappointed and I think with a little digging you will find that their overdraft policy violates some consumer protection laws. This weekend I received 4 overdraft fees, two of which were for transactions under {$1.00}. The amount was in my savings and I had earlier signed up for overdraft protection. Not only did they not take the money from my savings, they stated that I never had it. At the time of the trasanctions I had the funds, however, they charged me a {$15.00} " service '' charge and dated it for the 11th. The charge showed up this morning. That charge caused 3 overdrafts.

Company response to consumer: Closed with monetary relief