vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase card company regarding an XXXX account. I am sure I am not the only person being frauded against. I ordered a book which was somehow placed on a credit card. Only {$50.00} was placed n the card. I returned the book And was only given {$30.00} credit. I did not want the credit card. Returning the item unopened should have resolved the issue. It did not. I ended up months later with a bill up to {$400.00}. How is it I returned the item unopened. And continued to be charged. I want it off my credit. And will work on seeking legal action if need. I have tried to communicate with the company but have been refused to find a solution. I want this off my credit. I don't owe them anything. I told them I didn't want the card. I have one secured card with my bank. That's all I want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc.
State: IL

Complaint narrative:
I paid more than {$810.00} for a XXXX '' XXXX XXXX XXXX listed for {$990.00} at XXXX store. The total to be paid was {$1000.00}. Why not lease it company did not send me a letter to pay the difference off and the television would have been bought free and clear as I thought I was doing. However, I received a letter which stated that I have an additional {$1400.00} to buy out the TV, which is a rip off. Mind you, the XXXX attendant that day said that you are buying a TV and paying bi-weekly installments. The advertising was misleading then, because the TV had a sticker price of {$990.00} and I am not going to overpay for a TV that gets devalued everyday with newer models coming out. I was under the impression that I was purchasing it with a bi-weekly payment to pay it off fast. There were no follow up letters to pay off the balance of {$270.00} and they intentionally sold the bill to a collection agency for over {$1700.00}, as if I have never paid one dime for the TV ( a depreciating asset ). You are the ones with bad business practices set out to rip off people under a disguise partnering with XXXX. I would like for you to correct my balance with the collection agency because I paid a substantial amount for fair price of the TV at that time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is a resurfacing remark for a previously resolved case. I went through credit repair couple years back to reverse some early learning mistakes I had made.

A credit report from XX/XX/XXXX states an amount of {$1100.00} and acct open date of XX/XX/XXXX.

My credit repair agents closed & settled the unclear remark and removed it from my report for new beginnings.

The remark has been off my report and I have been staying true to my good faith in keeping my Report & Score back on track, Recently having a XXXX score.

Looks like remark has resurfaced with no prior communication or anything to me.

The debt now states XX/XX/XXXX an amount of {$1100.00} and an acct open date of XX/XX/XXXX.

The debt was very vague and unclear from the beginning. Comparing Dates opened and amounts owed do not match Different amounts stated on different occasions.

I don't believe this would be fair to be in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: CA

Complaint narrative:
XXXX XXXX is reporting a debt for {$1100.00} dated XX/XX/2012. This account was sold to XXXX XXXX, XXXX without my knowledge. I never received written notification of this debt being reported to the Credit Bureaus, therefore I had no opportunity to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC
State: FL

Complaint narrative:
Received paperwork from a Troy Capital LLC from a county I do not live in and nor do I know why they are trying to sue me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.

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 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is reporting a debt for {$1100.00} dated XX/XX/2012. This account was sold to XXXX XXXX, XXXX without my knowledge. I never received written notification of this debt being reported to the Credit Bureaus, therefore I had no opportunity to dispute.

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 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.

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 2018-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Attn : XXXX, Equifax, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA 616. 

Accounts : 1. XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest falsely reports a debt for {$16000.00} from XX/XX/XXXX to XX/XX/XXXX have received threatening letters and phone calls from the debt collector

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 2018-03-26 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: FL

Complaint narrative:
XXXX XXXX XXXX : XXXX, XXXX, TransUnion My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA 616. 

Accounts : 1. XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You 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 2018-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Attn : Experian, XXXX, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA XXXX. 

Accounts : 1. XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My Credit report is stating that I have 2 vehicle auto loans when I only have one auto loan for XXXX per month with a 2012 XXXX XXXX XXXX.

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 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
On XX/XX/2018 by wife and I received a letter from Fair Collections & Outsourcing listing a {$4500.00} balance due from XXXX XXXX at XXXX XXXX. On XX/XX/XXXX, our attorney, XXXX XXXX XXXX sent a formal letter to Fair Collections & Outsourcing disputing this debt and requesting the following 1. The amount of the alleged debt 2. The full name and mailing address of the original creditor for this alleged debt 3. Documentation showing that Fair Collections & Outsourcing verified that we are responsible for this debt 4. Documentation showing that Fair Collections & Outsourcing is licenses to collect debts in Virginia. 

Since we had officially disputed this debt within 30 days of being notified by the company, under the Fair Debt Collection Practices Act, Fair Collections & Outsourcing was suppose to cease collection until we received the documents requested above. Instead, they have submitted this collections notice to the three major credit bureaus with major derogatory 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 2018-03-26 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: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
Focused Recovery Solution ( FRS ) - I paid off the attached debt to the creditor. Once my check cleared I contacted the account to verify if my account was updated and information forwarded to the credit bureaus. I was informed FRS does not update the credit files with partial payments. I advised the account I was only aware of the balance of {$750.00} and inquired of the difference. The FRS collector advise she wasn't sure of the difference therefore I disputed the balance of {$130.00} with the account. To date I have to received an explanation of the remaining balance. 

Once FRS advised they did not update partial payments to the credit bureaus I forwarded the information to the credit reporting agencies directly ( XXXX, XX/XX/XXXX and XX/XX/XXXX ). All three had updated my file to reflect the correct balance however when I checked my report with XXXX today I've noticed the full amount of the account was re-established on my credit report ; which is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
For the past 10 years or so, Select Portfolio Servicing, the seevicer on my loan has repeatedly lost payments, added additional fees, and has tried to foreclose on my home. When I have requested information of who my note holder or investor is, they tell me it is XXXX XXXX XXXX XXXX. However, when I call XXXX XXXX, they have no record of me or my loan. They have tried using my SSN, Name, and Address. And still nothing. In XX/XX/XXXX, SPS tried to foreclose, but did not have the loan transfer documentation attached. So, in XX/XX/XXXX the forged that document saying it was sold in XX/XX/XXXX to XXXX XXXX XXXX XXXX. The document was not filed in the court clerks office until XX/XX/XXXX, when they tried to foreclose the first time! They make threatening and harassing phone calls. Do not report payments. And give out false and misleading information. My attorney has contacted them several times as have I requesting the documentation which is not accurate. I have even called XXXX XXXX XXXX XXXX on a conference call with SPS to prove that they do not have my loan. So who has my note?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Amounts listed on multiple accounts are incorrect. I have opened a dispute because student loan account were being reported XXXX different times and different amounts. Auto loan and credit cards balance are not correct. Reporting a XXXX charge that is paid as unpaid. Just recently again requested this information to be updated.

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 2018-03-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) - I paid off the attached debt to the creditor. Once my check cleared I contacted the account to verify if my account was updated and information forwarded to the credit bureaus. I was informed XXXX  does not update the credit files with partial payments. I advised the account I was only aware of the balance of {$750.00} and inquired of the difference. The XXXX  collector advise she wasn't sure of the difference therefore I disputed the balance of {$130.00} with the account. To date I have to received an explanation of the remaining balance. 

Once XXXX advised they did not update partial payments to the credit bureaus I forwarded the information to the credit reporting agencies directly XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. All three had updated my file to reflect the correct balance however when I checked my report with Equifax today I've noticed the full amount of the account was re-established on my credit report ; which is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Bloomingdales AMEX card : Attempting to close this card. Toward that goal, on XX/XX/XXXX I instructed my credit union to pay off the balance of {$68.00}. Bank records show the payment was made to AMEX on XX/XX/XXXX, six days prior to the beginning of the card 's next billing cycle. Next monthly statement I received showed the {$68.00} as " overdue '' and a new {$40.00} " late fee '' added by the company. I have disputed this and provided proof that the payment was made by the credit union on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX representing Bloomingdales AMEX with false claims that there is insufficient evidence of the XX/XX/XXXX balance transfer. Bloomingdales AMEX has acknowledged the balance transfer by deducting the {$68.00} but has kept the erroneous {$40.00} " late fee '' on my account. I have sent to XXXX XXXX by certified mail further proof provided to me by the credit union, attached here as well, that the {$68.00} was paid by the credit union on XX/XX/XXXX, and that Bloomingdales AMEX did NOTHING until XX/XX/XXXX, thereby creating the delay for which they now expect me to pay a late fee. I have demanded that this false information be removed from my account and that the account be closed ; so far the company has ignored 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 2018-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2018, I received a letter from XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, MA, XXXX ) about my mortgage loan number XXXX, responding to an Automated Credit Dispute Verification ( ACDV ) for my loan accounthrough the XXXX  credit reporting system. 
Upon reviewing the loan account by the XXXX XXXX compliance Department, it has be determined that the credit was legitimately reported to the Credit Reporting Agency. 
There are no surprises- I do not think they will claim otherwise even though the admitted that the second mortgage account I have with XXXX XXXX was corrected per dispute request.

I was angry, and I sent I believe an inappropriate massage blaming them for wrong doing. 
I apology for my fast reaction. 
However, in that letter and in this one I am claiming that it is unfair, to send a credit report of late payment for a mortgage that is being payed automatically every month for more than seven years and over {$700000.00} payments that I was late. 
XXXX XXXX changed the payment because of interest change and did notify us on time or we did not get the notification on time, no one called ahead of time and there was no way to know. The late payment. is foe may $ XXXX. To destroy my credit report {$130.00} as compared to {$700000.00} I think is not just unjust and agravating but is insulting to the whole credit reporting system, if it is acceptable. 
I really love to see if there is a possibility of an audit for how many times the bank did the same so the customers will not be able to remortgage and the bank can take advantage of the interest change. 
I know my request may sound outrageous but it is a real possibility. 
Luckily I can pay, others may lose there home do to an unfair reporting. 

Thanks for investigating, XXXX 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 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This company continues to not verify this account is mine by showing me proof bearing my signature ..i never signed a contract of any kind with this company. Company continues to call my phone through out the day non stop at times, They also violated fair debt practices by not responding XXXX my second dispute letter with XXXX a direct violation

Company response to consumer: Closed with explanation