vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently disputed outdated credit profile items with Experian through CFPB and some items were not removed. According to the credit bureau procedures if a delinquent debt is over 7 years old with no payment then it show be removed from the credit profile. 

Its seems as if Experian chose to validate that the debt was indeed due opposed to removing it from credit profile due to the length of time its has been delinquent on my credit profile. Therefore, I am requesting again to have these items removed from my profile. If Experian believes that these items don't qualify to be removed, then I request to have proof of payment, including but not limited to bank account and routing number of transaction, date of transaction, amount of transaction, ach authorization code of transaction and/or copy of personal check submitted for payment submitted to my attention. 

If this information can not be provided, then I wish to have this information removed immediately.

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 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Ameritech Financial
State: FL

Complaint narrative:
In XX/XX/2016, The company XXXX XXXX  XXXX called me representing themselves a XXXXXXXX XXXX XXXX XXXX. They advised me the would could reduce the amount of the loan through a new program offered by student loan service. During the phone conversation on XX/XX/2016, I was unsure of the legitimacy of the company, as I was online at student loans website and saw no reference to the company. I STOPPED the application process. I advised them on the recorded conversation that I wanted nothing to do with company, and that I had not completely fill out their contracts. 

I contact XXXX XXXX  and verified what happened during the Ameritech conversation. Student loans advised they nothing to do with the company and received several complaints to that fact. I advised I stop the application process, and my account should be affected. On XX/XX/2016, I Voided the contract. 

XX/XX/2016, I started receiving emails requesting the documentation be completed. I contacted Ameritech Financial and advised there was no contract with and I wished not to participate as stated in XX/XX/2016. 

A few month goes by, and I was still receiving requests from Ameritech Financial to finish the application process. I decided to check my credit report as I was looking for employment and wondering why I was being denied interviews after a background check process. 

I found that my XXXX XXXX  had been refinanced from several loan amounts, to one huge loan amount of {$56000.00}. I contacted student loan services who advised to call Ameritech, as XXXX XXXX could no longer assist. 

I called Ameritech several times to be advised there is nothing Ameritech could assist with. I called back requested a manager and told them the manager there is no contract and I request to stop the application process during the offer to me, be brushed off. 

I have an insurance license, I was unable to procure employment based on my credit report being XXXX. I refused to pay the company as they consolidated my loans with out my full expressed consent. 

I have attached screen shots to show my loans which were individualized, shows refinanced and switched for a period of 5 to 6 months, and requesting payment. I also included the contract, some emails showing I requested to cancel all documents and proceeding, and the report showing the damage to my personal character. 

The adjustment made to my student loans are egregious. I received a class action law sue noticed and truly believe the advertising and presentation of the company were misleading and of unfair practices.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting XXXX, a collection agency collecting on behalf of XXXX XXXX XXXX. XXXX is reporting a debt over 7 years old and there is XXXX balance that was owed to the apartment community when I moved out. The reason I moved out was due to the apartment being infested with mold. After a reinvestigation, by Experian it was determined the item should be removed from my credit report, due to additional research and the retention time associated with this account. The item HAS NOT been removed and I have been denied a mortgage due to the item still appearing on my credit file. Please immediately remove this item!

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 2018-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have been dealing with transunion for over a year and they have not looked into the things thats on my credit report at all I have sent multiple letters and it comes back verified they have not explained to me where they furnish the informations from involving a bankruptcy.

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 2018-09-12 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card with Citi Bank. I called them in XXXX of 2017 and made a payment for {$450.00}. After processing the payment and the telephone clerk stating the payment was processed I told them I had to make another call and promptly ended the call. The clerk input my zip code incorrectly after telling me the payment was processed, and the payment never went through. They never called me to notify me, nor sent anything in the mail to inform me of the issue. They did tell me on the phone call my payment was processed. If I would have known it didnt process I would have made another payment. Because of this they hit me for 60 day late on my credit report. I had made a payment the previous month for {$450.00} to cover XXXX and XXXX but they didnt apply to both months. I over pay on this card every month by more than double what I am supposed to pay. I attempted to make this payment and they made the error. They refused to undo the lates because I said I had to get off of the phone on the conversation. I dont remember the exact date or time of the phone conversation, but I can obtain it if needed.

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 2018-09-12 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I purchased a string trimmer and maintenance kit from XXXX XXXX XXXX using a 0 % interest for 36 months payment program through XXXX XXXX. The payments included a one time promotional fee of {$150.00}. We were billed for the promotional fee for a total of three times. We spoke with customer service agents at XXXX XXXX twice about the billing error and continued to receive billings for promotional fees after being assured they had been dropped. The last customer service call assured us that the error had been corrected and our balance was {$0.00} only to receive another bill with a late charge. The next call to customer service we were sent to an account representative who was combative and claimed that we had two transactions which justified the second promotional fee of {$150.00}. The " second transaction '' was the maintenance kit bought when we bought the trimmer which cost for {$130.00}. Our initial billing only included one " promotional fee '', not two. The Account Rep said he would review the last call and get back to us and that it could  take up to 30 days to get the recording reviewed. He said that in the meantime we should pay the minimum payment so we wouldn't be charged a late fee. Despite 4 phone calls to " customer service '', we still have no resolution to this situation. 
It is remarkable that, even when requested, none of the XXXX XXXX reps would give us neither a confirmation # for handling this problem or confirm our conversation in writing in anyway. They have no direct phone number or e-mail. NOTHING. From our experience, XXXX XXXX Credit Service is dishonest and a financial predator to consumers.

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 2018-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NY

Complaint narrative:
XXXX XXXX Visa ( USbank ) sent me an offer in the mail ( attached ) and under the Dear XXXX XXXX paragraph, the last sentence states : " This is your official invitation to apply! '' so that was the paper I kept. I always apply online so I never keep the paper application they included. A week or two later I went online to apply and could not find the " confirmation code ''. I was told by their representative to apply for the card with the offer online and when I get my card to send them the copy of the offer that was mailed to me and they would honor it. The offer that they mailed me stated that I would get {$100.00} statement credit when I spent {$500.00} and that my initial purchase and balance transfers would be 0 % APR for 15 months. I sent them a copy of their offer and then received this letter back ( attached ) stating that I would get XXXX bonus points and only 12 months 0 % APR. The bonus points are only good for XXXX XXXX products, which I absolutely no interest what so ever. I am also including the same offer I just got in the mail yesterday with their " official invitation to apply '' letter with the application that came with it. First off, if that letter makes the statement that it is the official invitation to apply, then why isn't the code on it or, at least, have in parenthesis " see application ''? Second off, why was I told by their representative a totally false statement that they would honor the letter?

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 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
I recently learned that a medical collection account has been put on my credit report ( XXXX  ) by XXXX XXXX. It states it was first reported XXXX, XXXX. First, I have never received any written documentation from this company notifying me of any dispute and did not have the opportunity to validate, etc. Second, this company changes the amount owed by increasing it by {$1.00} each month and re-reports it to the credit bureau further damaging my score. It is my understanding per FDCPA that a collection agency CAN NOT charge you more than amount owed on any account. Third, I  constantly get phone calls daily numerous times after requesting I be contacted only via email or postal service as I do not have validation of this account belonging to me. I have requested validation and have not received. This company has numerous complaints filed against them for their continued unlawful practices. 

The XXXX has given AWA a rating of F. There are 30 closed complaints against AWA in the past three years, with 10 closed in the past twelve months. Almost all of these complaints allege problems with billing and collections, with 7 complaints alleging additional problems with customer service. The Consumer Financial Protection Bureau ( CFPB ) has logged 56 consumer complaints against XXXX since XX/XX/XXXX, alleging violations ranging from attempts to collect debts not owed, to inaccurate credit reporting, to misrepresentation and false statements. Justia lists at least 3 cases of civil litigation naming XXXX as a defendant. 

Further, in XX/XX/XXXX in United States District Court, Eastern District of Texas, a  judge issued an Order regarding a civil action brought against XXXX for alleged violations of the Fair Debt Collections Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I emailed XXXX  customer service to resolve a payment/billing issue I encountered last month. It has been 3 weeks and I have not heard back. 

The situation : - In the middle of XXXX, or potentially towards the end of XXXX ( I can not confirm the exact date ), I logged into https : //lakeviewloanservicing.XXXX/ and increased my monthly auto-draft payment amount from {$2000.00} to {$2500.00}. 
- I did not know, nor did the website clearly state, that changes to auto-draft payment options take 2 weeks to go into effect. 
- My monthly mortgage payment auto-drafts on the first of every month, and has done so since the inception of this mortgage - I have never missed a payment and have always had auto-draft set up. 
- I have made sure to always have sufficient funds in my bank account to pay at the first of every month. I can produce bank statements to show I had enough money to pay on XX/XX/XXXX and this was not a bank error. 
- After changing my auto-draft amount in XXXX, my XX/XX/XXXX payment did not process and was missed. 
- On XX/XX/XXXX, a late fee was imposed on my account for {$82.00}. 
- On XX/XX/XXXX, I was notified via phone call that my mortgage was being sent to collections and I had the option of paying over the phone. 
- This was the first time hearing that my mortgage payment was missed. I immediately tried to understand the situation and confirmed with the person on the phone I always had auto-draft set up and at no point did I cancel it - the customer service rep confirmed. 
- The customer service rep ended up waiving the {$82.00} late fee for me but could not waive the {$15.00} one-time payment processing charge. 
- In addition to the processing charge, I also realize that since my payment was missed, Lakeview/XXXX will notify the credit bureaus and my credit score will go down. 

Please let me know if there is any other information I can provide to help with this matter. 

My contact information is : email : XXXX cell phone : 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 2018-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to 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 non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ILLEGAL practices. Post dated a PAID veterinary bill from XXXX ( from a traumatic night I had to put our XXXX XXXX XXXX in an emergency ) and reported to my credit as an account from XXXX. Took my score down 45 points for absolutely NO reason. I have spoken with XXXX XXXX hospital ( original account ) and they agree it was sent to collections by mistake. Incessant phone calls FIVE times per day for over a YEAR now! Brings back terrible memories from that night every time they call. ( All over {$160.00} that I NEVER OWED! The vet bill was paid in full the same night. ) I have disputed this three times now and they STILL refuse to remove this false collection from my credit.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get a copy of my credit report and check the results of my mailed in disputes but have been unable to for the last 9 months. 
I call EQUIFAX and always get the same answer " the system is down ''. 
I can not check my report, nor can I review the dispute results. 
This is a burden and in my opinion violates the FCRA timeframes, since I can not view anything in a timely fashion and must wait for everything to be mailed to me via the post office, after I call and stay on the phone for an hour to get the same reply back, or send another letter to request my results in writing, adding weeks to my dispute. 
It takes approximately 2 months for a dispute review because of the " SYSTEM IS DOWN '' for the last 9 months. 
This reporting and disputing process has cost me an opportunity for employment because I still have not been able to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I CONTACTED THE DEBT COLLECTED AND MADE A PAYMENT TOWARDS THE AMOUNT OWED. THEY ARE STILL CALLING THREE OR FOUR TIMES A DAY. THIS COMPANY WILL NOT WORK WITH YOU AT ALL. THEY ARE VERY RUDE.

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 2018-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I was the victim of identity theft and was contacted by XXXX XXXX regarding a loan that was past due. I advised them I am disputing this as I never opened any lines of credit with XXXX XXXX. This was in XX/XX/2017 and it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I am a housing counselor with XXXX. SPS Inc has denied reviewing a clients RMA package stating the signature on the scan was not legible. They then asked for XXXX XXXX to note that a hardship letter was attached. SPS has unfairly delayed fair review of this client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I was the victim of identity theft and was contacted by XXXX XXXX regarding a loan that was past due. I advised them I am disputing this as I never opened any lines of credit with XXXX XXXX. This was in XX/XX/2017 and it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Our mortgage account was transferred from Bank of America to XXXX in XX/XX/2018. At that time we were 30 days late. The status for the Bank of America states it is PAYS 31-60 DAYS. This status is causing our credit report to show a current delinquent account. We accept that the XX/XX/2018 status should show 30 days late ; however, we respectfully request that this account be updated to show the current status is Closed or something to that effect. 

Ive added my full credit report as well as a screenshot of another account from XXXX XXXX that was late when it was paid off but shows that it is now closed. They just fixed it and it went from showing as a delinquent account to closed.

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