vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 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: Conn's, Inc.
State: TX

Complaint narrative:
On or about XX/XX/2018 I sent the attached letter ( Conn 's 623 letter ) to Conn 's detailing inaccuracies they are reporting to XXXX, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but Conn 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case Conn 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX has called me repeatedly they call 10 to 15 times  a day. They use different numbers to call. They also use my home phone number to call me, my number pops up on my caller ID when they call. I asked them about this and they act like they do not know what I am talking about. Pleas stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: Monterey Financial Services LLC
State: VA

Complaint narrative:
The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}.

Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account.

I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made a purchase from Rayomour and Flanigan int he amount of {$10000.00} with {$0.00} interest for 72 month. at the 11 month I started getting interest rate, I called and I was informed that I need to go to the store where I purchased the furniture. I went there and spoke to Manger, which she was very rude and informed me that there is not such a thing of 72 month. Even the advertisement in the tv shows that interest free for 72 month.

I called the sales rep that I bought the furniture and she doe not work with the company any longer. ( wonde why ) she even told me that the contract was for 72 month. When I told the manager that, well she does not work here anymore.

She did not try to assist in any way, all she said is that I need to paid.

I really felt that customer services is very poor, and the people who work there really do not care about the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
Recently, a collection agency named National Recovery Agency, started reporting 3 medical bills on my credit report. Prior to these accounts appearing on my report, I did not receive my notice of my right to dispute. This is a violation of my federal rights under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been trying for months to fix the issue with Capital One. They are reporting not one but two late payment on my account I have proof that I have paid the minimum balance every month before 30 days. I paid XXXX dollars XX/XX/18 payment due XX/XX/2018 minimum XXXX. I paid XXXX dollars XX/XX/2018 payment due to XXXX minimum payment XXXX dollars. I also paid XX/XX/2018 XXXX dollars minimum payment XXXX dollars. I have contacted XXXX  and XXXX  and they will not fix the problem after an investigation. I would like these false remarks to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: Bristlecone, Inc.
State: VA

Complaint narrative:
The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}.

Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account.

I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX an agreement Chase and the Defendant was reached for trial modification. The trial was for three months and payments were made. The defendant paid the trial modification payments until XX/XX/XXXX when the modification was to to begin. Once the modification begun the defendant made payments as scheduled. A letter was received from plaintiff in XX/XX/XXXX letting the Defendant know that the sign documentation for modification was never received and modification was being cancelled. The Defendant let the Plaintiff know that the modification was still needed and the Defendant did not want the modification cancelled. 
The modification was being paid at that time so the Defendant mailed a new copy of the modification out the Plaintiff. The Defendant at that time was told by the Plaintiff to stop making payments because they would not be accepted anymore because my the loan was being defaulted. 

The Defendant tried to work with the Plaintiff to get the modification reinstalled but the Plaintiff would not do so. The Defendant tried to go through all options that the Plaintiff had but was told that Defendant could not be offered modification. 

The Defendant has currently has been saving every modification payment since XX/XX/XXXX in the sum of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  dollars ). The Defendant is looking for the opportunity to continue the modification that was created previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
I'm a XXXX XXXX XXXX female who was offered a predatory loan of XXXX % with an inconsistent payoff amount in relation to the money I put down on the vehicle. In XXXX of XXXX I brought a used XXXX XXXX XXXX XXXX coupe from XXXX XXXX in XXXX. Within the first two weeks of purchasing the vehicle the engine belt had shredded. 

The first few months I paid over the amount that was due. Then, over the summer I was admitted to the hospital twice, causing a disruption in my entire income and job placement. My first stay at the hospital cost over XXXX dollars and I haven't received my statement for the second hospitalization. The bank, Santander USA, refuses to refinance the loan. 

I have tried to access my account online to download necessary documentation but their online system claims they don't have my social security number on file for me to access it. I have tried multiple times with my SSN and birth date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or about XX/XX/2018 I sent the attached letter ( XXXX 's XXXX letter ) to XXXX 's detailing inaccuracies they are reporting to Transunion, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.

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 2018-11-12 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:
On or about XX/XX/2018 I sent the attached letter ( XXXX XXXX  XXXX letter ) to XXXX XXXX  detailing inaccuracies they are reporting to XXXX, XXXX, and Experian. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX XXXX is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a  person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX XXXX  was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.

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 2018-11-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying for months to fix the issue with XXXX XXXX. They are reporting not one but two late payment on my account I have proof that I have paid the minimum balance every month before 30 days. I paid XXXX dollars XX/XX/18 payment due XX/XX/2018 minimum XXXX. I paid XXXX dollars XX/XX/2018 payment due to XXXX minimum payment XXXX dollars. I also paid XX/XX/2018 XXXX dollars minimum payment XXXX dollars. I have contacted XXXX  and XXXX  and they will not fix the problem after an investigation. I would like these false remarks to be removed from my credit.

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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
IC Systems contacted me, claiming I owed a debt to XXXX. I submitted a written request for a copy of the original debtor 's agreement, and stated that a bill generated by a purported creditor alone would not suffice as proof of a debt incurred. That any entity can generate a bill, and the creditor MUST produce evidence of agreement to enter into a creditor/debtor relationship in order to validate the claim of a debt owed. Despite my request, IC Systems simply and solely provided a copy of a bill from XXXX dated XX/XX/17. The bill indicates a " Previous balance '' of {$23.00}, with {$0.00} payment received, and " New Charges '' of {$20.00}. No payment was received because no agreement between myself and XXXX ( or XXXX ) exists. In short, I did not sign up for their service, I did not agree to be indebted for their service and I do not agree to pay for their unsolicited service.

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 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX - XXXX XXXX XXXX XXXX XXXX. I have never been late in a payment and they reported I was 30 days late on a payment. I call every month to take care of my payment. There is no reason why this was reported to XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12 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: Credit Karma, LLC
State: NC

Complaint narrative:
I check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX  
years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. In addition, I am unable to get my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
There is a remark list through Skopos Financial which I have tried to request validation and received nothing. The social on the account doesn't even match mine. I have disputed with XXXX  and XXXX with no outcome. How are these agencies verifying inaccurate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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:
There is an account I have personally tried to validate and nothing was ever received. How are Experian and XXXX able to verify this when I can not and it is on my credit file and it is inaccurate. The social doesn't even match mine Account is listed 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 2018-11-12 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has the most horrible verification procedures. I tried to get my credit report through their site several times, they ask questions to verify your identity, but the questions are not correct, so they deny you access to your free report and then try to get you to sign up for their paid services. Their paid services page online does not complete properly and tries to charge you money for incomplete sign ups. Why are they allowed to continue to operate?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/18, I signed up for a Citi Bank offer that promised {$400.00} bonus if 1 ) both a new checking account and savings account were opened and a combined balance of {$15000.00} were deposited within 30 days, and 2 ) maintain the {$15000.00} balance for 60 consecutive calendar days. As of today ( XX/XX/18 ) Citi Bank is still offering this promotion. See https : XXXX? XXXX XXXX  XXXX for more details. 

My application for both a checking and a savings account was approved and activated on XX/XX/18 and I deposited {$15000.00} ( {$14000.00} in checking and {$200.00} in savings ) on XX/XX/18, which means I should qualify for the {$400.00} bonus after XX/XX/18. I reached out to customer service in XX/XX/2018 and was told that it takes up to 90 days after the requirements were met for the bonus ( which I did meet on XX/XX/18 as mentioned above ) to be deposited which would put it at XX/XX/18. I reached out again on XX/XX/18 and was told that it will be deposited after XXXX 's billing cycle or by XX/XX/18. 

The bonus failed to show up again and I reached out for the third time on XX/XX/18 and this time I was told a case is open with their back office to investigate the issue and they will be in touch within 2 business days. No one got back to me at all and I decided to reach out one last time on XX/XX/18. This time I was told that the case had been worked on, but not resolved and there were no updates. The representative said she marked the case urgent and promised a resolution, but at this point I have no patience or confidence left and I also don't believe they're serious about getting me an answer or the bonus. I've seen numerous other complaints here about the same offer and this is borderline fraud! Please help!

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 2018-11-12 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: AL

Complaint narrative:
On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... XXXX XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , XXXX where I used to live before ). I have been in state of XXXX  since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.govXXXXXXXX, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : 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 2018-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: NJ

Complaint narrative:
My personal cellphone is listed on the Do Not Call registry but this debt collector ( XXXX XXXX XXXX ) persists in contacting me in relation to a debt allegedly owed by my ex-wife. They have no right to do so.

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 2018-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account I have personally tried to validate and nothing was ever received. How are XXXX and TransUnion able to verify this when I can not and it is on my credit file and it is inaccurate. The social doesn't even match mine Account is listed 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