vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-11 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: TX

Complaint narrative:
Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, Equifax, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As ofXX/XX/XXXX, the inaccurate information is still reporting on my Equifax, XXXX, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Equifax to correct the error. XXXX does not match public record data to consumer credit files for Equifax. Equifax performs this matching themselves. 


Equifax, XXXX, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, Equifax, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: MI

Complaint narrative:
Incorrect report of a credit card charge off. It was removed and placed back on my credit report the same day under a different company name. The XXXX was paid in full!!! This was not a charge off!! It was never XXXX XXXX. I want it off my credit report TransUnion practices unfair credit reporting practices and the credit they report is incorrect in addition to only reporting negative reports they are irresponsible more so than they make me look!

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 2017-11-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, My Bankruptcy included my home in XXXX WI that is now serviced by XXXX. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on XXXXXXXX XXXX part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with XXXX over two hours and they did not take my call.

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 2017-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I saw I was in collections with Credence Resource Managment through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX is a big fraud, I spoke with her over the phone on XX/XX/XXXX and she said she will send me a check of {$450.00} within two days but have n't recieved anything from her. I called her back on XX/XX/XXXX and she replied that she never said this to me. 

A complete lie. when I spoke with her on XX/XX/XXXX she clearly said that she has spoken with the employees of Capital one, and I do n't owe anything to capital one, and the amount which I had disputed has come up to {$450.00} with interest charges attached to it. 

But now she is saying a complete different story, Capital one does n't intend to pay me back for the fraudulent charges, what a shame. 

They are always saying two different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I saw I was in collections with XXXX XXXX XXXX  through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.

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 2017-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Please refer to my prior case - Bayview failed to address the fines and penalties assessed to my tax bill by the city of XXXX for their failure to pay my real estate taxes. XXXX in fines and penalties was added to my tax bill due to them not paying the bill. Although I was advised by XXXX XXXX that I should no longer pay my taxes, the letter dated XXXX/XXXX/XXXX from XXXX XXXX of Bayview indicates that I should have known to continue to pay my taxes. I am not sure why I would pay my taxes and insurance when I was clearly told that I was no longer to pay them, that Bayview had paid them and it would be handled by my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have been trying to contact Midland Credit Management regarding collection issues. I have notified Midland several times advising that they are not providing the correct amount of what they allege I owe from a loan that they received from XXXX. I had requested that Midland provide copies of the original loan, any vouchers I have signed and/or transactions as well as the interest changes to the account which they should have from the original loan. To date, Midland has failed to do so and they continue to report an inaccurate amount to the credit reporting bureaus. I have notified the credit reporting bureaus of the discrepancy but Midland continues to state that I owe the amount of {$7200.00} which is vigorously being contested and disputed. As a consumer, I have rights that are being violated by Midland and I will have to resort to seeking legal counsel in this regard since Midland has not agreed to nor have they provided any proof of their inaccurate reporting to the credit reporting agencies. 
Midland has a duty and obligation to provide the information I am requesting in order to provide accurate and correct reporting of the debt they claim I owe. If they continue to ignore my requests since I have reached out to them several times, I will have no recourse but to consult with legal counsel as I believe I am being discriminated against because Midland has placed my account in collections but have not provided accurate documentation of what the correct amount of the debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: TX

Complaint narrative:
Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, XXXX, and Transunion were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, Transunion, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, XXXX, and Transunion refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, XXXX, and Transunion- to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.

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 2017-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
StartingXX/XX/XXXX, the three major credit reporting agencies, Experian, XXXX, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, XXXX, and Experian credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, Experian, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, Experian, XXXX, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.

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 2017-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In the early part of this past summer we were having trouble with our local mail delivery so my wife called XXXX XXXX XXXX ( XXXX XXXX ) to ask what I owed since I did n't receive a bill. She was first advised that she was only an authorized user on our card and they would n't give her the amount owed. She explained phone call after phone call that all she wanted was the amount owed so we could do the right thing and pay for the items we purchased and finally, on XX/XX/XXXX, someone was willing to give her the information needed. She asked then very specifically and clearly for the total amount owed to XXXX XXXX on XX/XX/XXXX, was advised {$140.00}, and paid them over the phone with our checking account that full amount due. The company went out of business and the card was closed so it is not like they can say we owed more after that because of subsequent charges. Yet they instead sent yet another bill with more finance charges and late fees based on fees they claim they had n't billed us for. My wife called them last month and was advised this would be resolved and was promised a phonecall back but of course that did n't happen and we are once again receiving bills for late fees/finance charges they just keep piling on month after month for no reason. My wife called them today and was first advised that these bills would just continue as they did n't agree with my " dispute '' and when she called back to speak to them again they have reverted back to " we ca n't speak to you because you 're not the primary cardholder '' ( same XXXX. that started this whole mess back in XX/XX/XXXX when she called over and over again just to find out how much was owed so I could PAY them. ) I did the right thing pursuing paying a bill the USPS never delivered, gave the respect to XXXX XXXX it did not deserve by paying what I owed for purchases made by myself and my wife as advised by them ( XXXX ) and have had nothing but aggravation and unfair treatment from them. I am struggling to keep my head above water and do not need or deserve to have bogus charges/fees count against me on my credit history because of unfair credit card practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Please fix recertification date on both loans. Please also check all details of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX I submitted full payment on the balance due on the account. This should have ended the issues I have been having with excessive interest charges, bringing the account to a {$0.00} balance. 

The payment due date was XXXX XXXX. 

On XXXX XXXX I am charged YET ANOTHER INTEREST FEE of {$16.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX All Purpose Certificate Of Acknowledgment Page is XXXX by the Notary Public XXXX XXXX XXXX XXXX XXXX XXXX sign her name as the witness notary public with her signature stamp Forge my name as ( me ) XXXX XXXX I did not and was not personally appeared to her on XXXX XXXX, XXXX and this page is all sign by the same person and signer name is not my signature nor signer as self this is Forgery and have also filed a complaint with the State Of California XXXX XXXX XXXX notary public section I did not sign the notary journal record book to this document I have had a document company look as this document and all of it is sign and printed by the same person and my name is forged and there are some other issues to some other documents as well as dates and signatures I ask for documents for months and never received then until now. I have at least 8 letters to this issue as XXXX XXXX Mail but no response to the issue until now. 

had several copies mail to me as well with duplicate copies have one package they mail they claim is the same package not open as of yet that I spoke to some one who stated its the same papers and I have not open it in any way. 

I 'm filing a fraud and Identity Theft charge at the police department cant be at two places at the same time as the Notary has claim I 'm a XXXX at the hospital at the time of this loan and still a 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 2017-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a credit card from Citibank for 11 years now ; in XX/XX/XXXX I requested a credit line increase and when I did they switched me to paperless billing, so I did not receive a statement XX/XX/XXXX. 
By the time I realize it the payment was late and Citibank charge me a {$35.00} dollar fee and raise my interest rate from 11.99 % to 29.99 %! 
I then contacted Citibank and they reduced the rate back down ; however, even if I was at fault it 's incredulous for them to raise your interest rate for minor violation, but the reason I 'm taking the time to file this complaint is the egregious tripling of the interest rate ; even if I were a poor performing customer with a low credit score, it should be illegal for them to TRIPLE anyone 's interest rate.

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 2017-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have a vehicle loan that I was awarded and am responsible for as a result of my divorce in XXXX XXXX. After the divorce my ex-wife remarried and together her and her new spouse filed for bankruptcy. Since her name was attached to the vehicle loan this vehicle was included in on the bankruptcy. I have spoken with Wells Fargo about this and as long as I keep making payments there is nothing to worry about with the bankruptcy. 

Only problem is that I no longer receive account statements and have any access to this account and the details of it online or otherwise. I have tried to submit inquiries and contact XXXX XXXX XXXX XXXX regarding this but I have not received any contact in return. I have thought about paying off this account or making larger payments to get it paid off rather quickly but I am in the dark with balances and where I stand with any early pay off penalties that may exist.

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 2017-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander came and Repossessed my car again XXXX 17 @  XXXX XXXX. I called to see if U can get ny car back and how much to get it back. Their response was nasty and rude. She stated that I had to pay XXXX to get it back. Then she said I couldnt get it back. This is bad I tried to save my car but no one wants to help me. Someone needs to help me get my car back!!! I gave them my hard earnrd money for 5yrs and end up with no car. How does this happened in America!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: FL

Complaint narrative:
This is the second time in two weeks that I am reporting Sallie Mae for their actions and complete disregard of my rights as a consumer to make decisions for my finances as needed. After multiple rounds of misinformation by Sallie Mae staff, at all levels, and a failed attempt at a loan modification with them ( mind you my XXXX payments, for which I owe a lot more than Sallie Mae, are {$12.00} ) they proceeded to add my account on " disaster forbearance '' without my permission under the pretense of " courtesy '' when we all know they are just trying to make sure that my account do not go past due because I nor my cosigner ( a XXXX patient ) can make {$440.00} payments every month. Please someone do something. My next stop will be Senator XXXX 's Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit International Corporation
State: WA

Complaint narrative:
This started from my landlord retaliating against us after we attempted to get the home energy efficient and we spoke with the Commerce Dept.. 
They contacted him. He 's a poor excuse of a landlord cuz upon move in he made me do all the cleaning. 
We got to the point of receiving a 2nd unlawful detainer, and we 're evicted XX/XX/XXXX then : A 3rd party collector gets involved, who made no attempts to contact me prior to the garnishment.!!! In XX/XX/XXXX I noticed that I was being garnished, I discovered that it was XXXX XXXX XXXX located out of XXXX. I sent a letter immediately for proof of the debt, validation & the amounts. It went unawnsered. I am frustrated because I 'm not able to get a statement to show the balance, payments and credits. The case # used is for a paid case. Previously, XXXX XXXX, was atty. of record and we took in a large cashiers check to pay the amount owing. We requested a copy of the receipt & copy of the check from XXXX office but have not gotten it yet. I did not get notified of the transfer to Credit International hearing or the wage garnishment. It appears that they sent my paperwork to a erroneous address. Furthermore, the garnishor has illegally withheld our personal items that we had in the garage and failed to return our last months deposit/security or a detailed statement. Please investigate this matter and determine if I overpaid this 2nd judgement. I pray that you will get the answers that I 've tried to obtain. 

Case # XXXX this is the correct case #. The case # XXXX had been paid except minor atty costs of {$300.00} approx. Otherwise on the XXXX XXXX day it would have showed all that 's owed to him.

Company response to consumer: Closed with explanation