vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I set up my checking account to make my Best Buy monthly payment on XX/XX/2018, the due date. I received an email confirming that and have attached it and never received any other type of notice contradicting that. Today XX/XX/2018 I receive a statement from Best Buy showing a past due balance indicting my payment on XX/XX/XXXX wasn't processed. I contacted customer support, they confirmed that I set up the checking account to make a payment on XX/XX/XXXX but say the payment didn't process properly because I removed my checking account from their system and while that is correct, I do not want my checking account info on Best Buy 's or any other company 's website, it shouldn't have stopped my payment from going through since the payment was confirmed by email. Apparently Best By 's only payment method is by recurring payments through a checking account but I am not comfortable with that since so many companies are having security issues. The representative was kind enough to withdraw the late fee but my records will reflect that I missed my payment and that is not true. I MADE MY PAYMENT ONTIME. I received an email confirming the payment was setup and there is no legitimate reason the payment didn't go through and there is absolutely no reason my credit should be affected by their mistake.

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 2018-05-14 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: AR

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 2018-05-14 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
To Whom It May Concern : I had an account with One Main. Our agreement upon receiving my last payment, my account with be closed. It was also agreed upon paid in full, it would not affect my credit report/score, however it is. It is currently showing as a : Charge Off. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony Bank 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 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 2018-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I opened an XXXX credit card to pay for 4 new tires at the XXXX located at XXXX XXXX  XXXX XXXX, XXXX, LA XXXX. I did this on XX/XX/2018, agreeing to pay the initial balance of {$570.00}. Since then, I received no notice, statement, credit card or any information about how to pay this bill until I started receiving phone calls from Citibank saying the bill was past due. When I opened the credit card, I was told that a new card would be mailed to me and then I could use that card to open an account online. Since I never received the card, when Citibank called me I was unsure if this was a fraud phone call since I did not know who was servicing the XXXX credit card. That day, I asked for a mailed statement. I then asked about the address associated with the account and was told that the account was opened under then wrong address. I received my first statement about one week ago around XX/XX/XXXX. This statement had the account number on it but not the credit card information. Today I called the customer service number listed on the statement and Citibank employees then told me that I need to pay the late fees associated with the account. I am disputing the late fees since I had no way to access the account or the billing statement. 

I have still not received the physical credit card or any communication from XXXX. As such, I can not register to pay online with the website listed on my statement ( XXXX ) because I do not know the credit card number or security code and have no way to access that information. A citibank employee told me that I can not access that credit card number over the phone -- and falsely told me I can register for an account using my account number. I then tried to settle the initial balance online using the account number and was unable to do so. Please let me know if you would like a recording of this phone call. Again, I am disputing the late fees since I just received a billing statement 2 months after opening the account in person.

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 2018-05-14 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: Conn's, Inc.
State: TX

Complaint narrative:
I had my account go into collections in in XX/XX/2017. I reached out to Conn 's to get this situation corrected because i know i owed them. They advised me that they had a XXXX XXXX collecting on the account. I reached out to them and agreed to settle the account. In which we arranged payments to be paid and after the last payment was made they would clear up the account. Made my last payment on XX/XX/2017 and received the letter a couple of weeks later with a Settled in Full. As the letter stats they were supposed to send the information to Conn 's to get it reported correctly on my report. I reached out to them multiple time with either getting hung up on or transferred back to the que. I finally got ahold of someone and had me send the letter and was told to give them on call on XX/XX/XXXX and they should be able to give me some insight. Well gave them a little longer so i called on XX/XX/XXXX and spoke with the same guy i spoke with the first time. Had to stress to him that i needed it takin care of asap and kept telling me that its in the review process. I told him i waiting long enough for them to report it to my credit report and should have been updated within 30 days or so not 4 months and still waiting. He spoke with his manager and had me send the her the letter to her email. And all i got from Her XXXX XXXX was that the letter stated settled in full not paid in full. I told her whats the difference settled in full means there would be no more balance. She wanted to argue with me about my rights under the fair credit act and why my report hadn't me updated properly in a timely manor. I made the effort to get this taken care of and they need to do there part as both parties agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
This is a complaint against TransUnion. In XX/XX/2018, XXXX XXXX, which is a car dealership in Puerto Rico, mistakenly requested my credit information through two auto financing companies : XXXX XXXX XXXX and XXXX XXXX. Those requests through those two financing companies were not authorized by me. On XX/XX/2018, I sent a letter addressed to Transunion XXXX, in which XXXX XXXX admits that it was an error, and that it should not have requested that credit information through XXXX XXXX XXXX and XXXX XXXX. However, Transunion states that it can not handle my complaint because it needs a letter from the two financing companies ( XXXX XXXX XXXX and XXXX ) saying that they mistakenly requested TransUnion my credit information. The problem is that none of the two financing companies ( XXXX XXXX XXXX and XXXX ) are willing to give me a letter stating that they should not ask for my credit information, because they were authorized by XXXX XXXX. I think that these companies are right, it was XXXX XXXX that asked them, without my authorization, to investigate my credit. However, Transunion told me that there is nothing to do, and that my loan will be affected. Please help me. Thank you XXXX 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 2018-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I was contacted by IQ Data International about a fee due. I gave them payment information to settle the fee of XXXX. The representative that I spoke with said they were located in Washington state. I asked for a confirmation email stating how much I owed. The address in the confirmation letter, when googled, is not the address to IQ Data International. After I spoke with the attorney general in Washington they said that the company does exist but they are not licensed. The company has tried to take the money 8 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
on XX/XX/2018 we visited the XXXX  dealer in XXXX and we were sold a XXXX   XXXX   XX/XX/2018 the price negotiated was {$27000.00} dollars out the door total, when it was time for the financing the finance manager scammed us and sold us the car for over {$37000.00} a car not worth more then $ XXXX dollars market price as it was listed on the sticker price of it, and the finance manager did not disclosed any of that to us and explained in details what he was doing, instead he kept with his pressure and selling us a 1.9 % rate when he basically defrauded us out of {$10000.00} dollars and took advantage of us as we did not know what we were been scammed, until we gave the paper work to our brother in law who saw all the fraud and went with us to the dealer and confronted the sales manager and crooked finance agent, we rescinded the agreement for legal cause fraud and bad faith high pressure sales tactics and left the car and keys at the dealer, they have continued calling every one and harassing us and other family members despite us telling them that were not going to allow them to defraud us. these sales man at the dealer are a bunch of suit up crooked unethical white collar criminals defrauding citizens with the conspiracy of the nissan motor acceptance corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
We have attempted to refinance our home mortgage for 4 years. Disputes with Ocwen have led to major credit rating misrepresentations. We have not been successful in refinancing. 
Ocwen offers a loan modification program. As our only alternative, ( WE ARE TRAPPED ), we applied for a modification and it was approved. The modification reduced our monthly payments by approximately {$2500.00} to {$1600.00} per month. The agreement was signed on XX/XX/XXXX and a payment due of {$1600.00} by XX/XX/XXXX. 
The payment was sent by certified check on XX/XX/XXXX. We received XXXX 's & XXXX 's statements for {$1600.00} ( El ) ( E2 ). Using bank auto-pay, checks for the proper amount were direct wired to Ocwen for both months. 
By XX/XX/XXXX, Ocwen 's statement was in-correct and indicated we were behind in payment. Their statement is not correct. We have been current on every payment. In-accurate accounting and extreme lag time built into Ocwens communication systems has created 4 similar disputes over the last 10 years. This is the most current dispute. I am documenting the other 3 disputes for publication within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TX

Complaint narrative:
I have sent in numerous letters and disputes regarding information that is reporting on my credit file that does not belong to me. I have sent over a copy of my identity theft report and filed previous complaints with the CFPB and the items are still showing on my credit file with Equifax, all other credit agencies have deleted the accounts listed fraudulently due to identity theft but each time i speak to representatives at Equifax nothing is being done. I have been hung up on and advised the dispute takes 30 days and have been waiting 45 + days to get results. Just recently i contacted equifax regarding disputes that were finalizing on XX/XX/XXXX and XX/XX/XXXX and nothing was blocked or removed. The creditor XXXX XXXX is still listed although i sent in a letter FROM THE CREDITOR that clearly stated the account was to be deleted. When i informed the representative of this he stated that it would have to be reopened to investigate it again. So i am expected to wait another 30 days after i just waited 30 days for this company to re investigate something that should have been done properly the first time. That is unacceptable. I also asked about the other items listed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX, i was informed that all items were still listed on my report. I have advised that i have no knowledge of these companies and that i AM A VICTIM OF IDENTITY THEFT. These items should have been REMOVED/ OR BLOCKED FROM MY REPORT PER FTC GUIDELINES. this process has not been followed and the unprofessional reps that are there to assist have no clue what is going on. This has created emotional and mental hardship and the next stage of this process if not resolved will be to file a civil suit regarding the inaccurate reporting and violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
For the past 5 months I have not been able to pay this loan through the banks online portal. I have to either call every month or go to a branch. When calling I am placed on hold for 15-20 minutes and I have to pay a fee to pay the loan. If I got into a branch I have to drive 20 or so minutes just to get to the branch. I have called the bank around 10 times and spent 10-15 hours on the phone with them trying to address these issues. The best answer I get is " our system just won't let us do that. '' There has been no talk of a resolution and literally no help whatsoever. I was given a personal email of a employee who I should be able to contact and they will take care of this personally. However, that employee does not respond to any emails. I was specifically told I could pay this through their online portal. This loan renews every year. This is the 5th year I have had it. Every single payment before this year was made through the online system. The trouble I have to go through to make this loan is almost preventing me from being able to make the payments on time because I have to set aside about 1 hour to do it. Either 1 hour waiting on the phone and convincing them that I shouldn't have to pay the fee OR going to the branch and doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have had a Paypal account through XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX. I was fraudulenty enrolled in Card Security Debt Cancellation. I signed no Agreement or checked any boxes to give Authorization to enroll. I would have caught this earlier, but I have been coping with a diagnosis of XXXX XXXX with XXXX XXXX since XX/XX/XXXX. I am recieving XXXX XXXX and XXXX. Icalled Card Security several times since XX/XX/XXXX and was givinen excuses and being hung up on. I have a XXXX   Condition gining me aclaim for XXXX not dealing with reality. The doctors form was signed on XX/XX/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 2018-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/XXXX i attempted to transfer money from my Chase checking account to my XXXX  XXXX XXXX checking account. I sent the amount if {$1400.00} using my name and my email address. After two days i didn't see the funds hit my account i reached out to Chase asking about my transfer. I was told that the funds went to an account with the last 4 digits i didn't recognize. Chase transferred me to claims and they said they would try to get my funds back but couldn't promise me because it was my fault that i should have paid attention to who i was sending it to. On Thursday XX/XX/XXXX i reached out to Chase and they told me they reached out to the other party and they do not have enough funds so there is nothing they can do. I reached out again on Friday XX/XX/XXXX only to this time find out who the person was. I filed a claim with my local police but Chase is now not giving me any information and saying that its not there fault that i should have checked who i was sending the money to. I expressed to them again that its hard to check when the recipient was myself with my personal email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: Conn's, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX of this year I received a credit monitoring alert that Conn 's Home Plus had reported my account 30 days past due for the month of XX/XX/XXXX. This is incorrect. My account has never been over 30 days past due. I called them immediately and they stated that there was a processing error with their extensions that they granted me. I am in the process of restoring my credit and buying a house. The negative reporting has dropped my score by more than 40 points. I have been a loyal customer with Conn 's. This is unfair and not right. I have been so stressed out about the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I no longer have my breakdown loans paid off or discharged but I do have my chapter XXXX discharge papers. My Citibank 2nd mortgage amount of about {$400000.00} subsequently discharged on XX/XX/XXXX. Citimortgage possessed a junior lien on my property that was subsequently stripped by the Chapter XXXXBankruptcy Judge in XXXX CA around XX/XX/XXXX due to the property being upside down. The last payment I made on this account was posted on or about XX/XX/XXXX. 

Two days ago I received a letter that looks like they are attempting collection efforts. I called and spoke to XXXX at number on letter and he said your agency is requiring them to resend these letters to all consumers to have for their own information. The letter shows they received payments after that thru XXXX, which can not be legally possible due to lien strip. 

I stilll dont feel comfortable with Citibanks reply today and I feel they are still attempting harassing collection efforts.

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 2018-05-14 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received a letter from XXXX XXXX ( see attached ) dated XX/XX/XXXX. I followed up with this company disputing the entry they placed on my credit reports. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. In my letter to them ( see attached ), dated, XX/XX/XXXX, I specifically requested that the provide me validation of debt and not verification of the debt.

Convergent responded with the exact information that they sent to me on XX/XX/XXXX ( see attached ). I requested the following : An agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary. 

Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. This item should be DELETED immediately from my reports.

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