vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NJ

Complaint narrative:
This agency is representing a client " XXXX XXXX XXXX '', who is under intense scrutiny for having inaccurate documents on hand concerning debts owed. In fact, I have no knowledge of such account, in fact, this collection agency attempted " XXXX aging '' of the alleged debt to make it appear newer than it actually is. The creditor/collection agency can obtain all account opening documents, including with signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Have had 8 calls in two hours

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient, steered me toward multiple forbearances ( hardship, Unemployment ) instead of income-driven repayment plans, and provided unclear information. I was also informed that all would count towards status of my loans counted towards the PSFl.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My Chase Sapphire Reserve account includes rental car insurance. I had damage to a rental car in XX/XX/XXXX, was charged {$1600.00} by XXXX and submitted the claim to them, claim # XXXX on XX/XX/XXXX. I have sent all supporting documentation that they have asked for. Instead of responding within five business days as promised, they have ignored me for over a week. They have not paid the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied CITI Business AAdvantage platinum select credit card in XXXX. The card was initially declined due to a previous application in XXXX. So I called the customer service and requested a reconsideration. About 3 week later, I received the approved card in XXXX. Then I immediately called in to activate the card and double check with rep about the opening bonus, which is that get XXXX AA mile with spending {$3000.00} in 90 days. However, I was told I am not eligible since I closed the account in XXXX this year, which is against CITI 's policy that applicant wo n't be eligible for the bonus if they open or close the same product within 24 months. But the truth is that I have not had this card for almost three years. I applied this credit card in XXXX and closed around XXXX or XXXX in the same year. Thus I felt confused and also surprising that the system identify I closed this product just in XXXX this year. Technically, who is opening the same card within one month. It is not logical for the applicants. Thus the suspicious reason to lead this issue might happen during the consideration period manually. So I called in a couple time and tried to communicate with the rep and the supervisor. However, they neither can tell me how the account was closed in XXXX XXXX without any card not call indicate what the error to lead the closure. They blame me to request to closed account. Frankly, they should record the conversations I called each time. The easier way to find who requested the closure is to replay the voice record. I know I did not request that since I have not have this card for three years. So they should make a full investigation and give me a convincing result. in the end, I request CITI to honor the bonus.

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 2017-08-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX XXXX, I submitted a complaint through CFPB about Equifax reporting numerous inaccuracies on my credit report. The complaint was received by Equifax on XXXX XXXX XXXX. Equifax responded on XXXX XXXX, XXXX, stating that they would not respond to my complaint via CFPB portal because they suspected that I was using a credit repair company, which I have not, and that Equifax will send me the results of the investigation to my mailing address. I let a week go by and still I had not received the results of the dispute I submitted. On XXXX XXXX, XXXX I called Equifax and asked them why I had not received the results from my dispute that they said was going to be mailed to me on XXXX XXXX, XXXX. The customer service rep stated that they just received the complaint on XXXX XXXX, XXXX and the dispute should be completed by XXXX XXXX, XXXX. This is ridiculous and I believe Equifax is using a stall tactic to give themselves more time. I t has been 30 days since Equifax received the complaint through CFPB and these disputed items should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The collection agency namely I.Q Data International is  attempting to collect an alleged debt that I do not owe to them. They have also reported it to all 3 credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agree to pay any debt to I. Q Data International. They also have not provided any information showing where I have agreed to pay them for the alleged debt. furthermore, they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the secretary of State according to section 392.101of the Texas Finance Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: IL

Complaint narrative:
The Great Lakes Student Loan is making us repay thousands of dollars on the loan. The interest was tacked on to the back of the loan but no other option was given. We were forced to sign documents that had interest on added to the back side of loan with no mention of other repay could be under someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received a recent response back from Experian concerning a dispute and they state the account I disputed was " updated '' however I supplied them with a letter from XXXX where they are stating they are not responsible for the account. My credit report lists XXXX XXXX on the report however the contact phone # sends you to XXXX. The account is not able to be verified and by law if an account ca n't be verified it must be removed. Also, XXXX filed for bankruptcy in 2013 so you ca n't contact them as well. The account must be removed immediately due to this issue.

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 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
During the payment cycle of XX/XX/XXXX and XX/XX/XXXX Fifth Third Bank posted 30 day delinquent updates on my credit report. These payments were only late due to a technical issue on the Fifth Third website. I 've engaged them back in XX/XX/XXXX and recently to resolve this issue but nobody can seem to fix my inability to make a payment online. If the site was functioning properly I never would have been late. This could be confirmed by looking through logs that show I attempted to make a payment before my due date online but was presented with errors. My other Fifth Third credit card allows me to make payments online but this card in question does n't. It feels like this was done by design, due to these issues my credit took a 150-point hit. I 've tried to dispute these entries with the 3 bureaus but nothing ever comes of it since its hard to prove I tried to make a payment on time but due to technical site issues was unable. To be fair the second late entry, I could have visited a branch but expected the technical issue to be fixed. Since this company can report negative information on my credit I expected all avenues to make a payment on time be enabled and functioning. Im asking that the issue be resolved and negative entries removed. I believe this to be a violation of the fair credit reporting act. Next steps are to file a complaint with my attorney generals office and the BBB if this attempt to resolve goes nowhere. Thanks for your time,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This account was disputed because the first date of delinquency was reported incorrectly by Bank of America, N.A. Neither XXXX nor XXXX were able to verify the first date of delinquency reported by Bank of America, N.A. and deleted the account from my record.
FCRA 623 ( a ) prohibits furnishers of information from reporting information to a credit reporting agency if the furnisher knows or has reason to believe that the information is inaccurate. The statute defines reason to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts as to the accuracy of the information ( 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and ( D ) ). The deletion of the account by XXXX and XXXX because of their inability to verify the information casts substantial doubt as to the accuracy of the first date of delinquency being reported by Bank of America, N.A.
According to XXXX, dispute results are not shared by credit reporting agencies because only the business knows which of the consumer reporting agencies have received disputed information ( see attached ). Bank of America has failed to notify XXXX that the information they are reporting regarding this account was deleted by XXXX and XXXX because they were unable to verify the first date of delinquency reported by Bank of America, N.A.

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 2017-08-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received a letter from Barclays on XX/XX/2017 thanking me for choosing Barclays Online Banking. The letter explained that I would enjoy all the great rates and services associated with my new account - Online Savings Account and a Online CD account were opened ; both amounts were {$8000.00} each with a total amount of {$16000.00}. I can provide documents of the letter sent showing my two accounts, account numbers, and the amount funded which included the CD maturity date. These transfers were taken from my private trust account where you can not put money back into the account, you can only disburse or withdraw. As soon as I received the letter I immediately called to verify both accounts as I was placed on hold. The gentleman from the security department was very rude and outrageously sarcastic. The gentleman reiterated to me a false blog information that I have never heard of, nor that I was involved in, or some sort of scam that has been going on, which stayed inter-office where my private trust account is currently located and active. I tried to state the fact that I have documents showing proof that I have been using my account, but everything was one sided. If I knew that this is how Barclay 's conducted business I would have never done business with them. Shortly after I called back and I finally had a chance to talk with a manager who was very rude, and also sarcastic, who even laughed out loud as I explained my account. Barclays in fact not in the customers best interest and not an ounce of due diligence was taken. If my account was not valid, I would have not received a letter congratulating me for doing business with them showing my Online Savings Account and Online CD Account. The authority of the account is mine, and where the funds were drawn from to fund both accounts do exists. Barclays did not notify me of insufficient funds nor did they claim that the account was n't valid.

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 2017-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Tower Loans keeps calling me. All phone calls are recorded on the government phone calls. Harassing phone calls at work everyday, on a federal government line. I can be contacted on my cell number at XXXX. Call received on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. Threating with wage garnishments.

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 2017-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
After several exhausting attempts to resolve this matter, ARS account resolution is reporting debts that I do not owe. This matter is affecting me emotionally and financially. ARS account resolution has failed to validate this debt directly to me, and only verify it with the credit bureau whenever disputed. ARS account resolution have no signed agreements between me and the stated party that they claim to represent which would make me responsible for this alleged debt. This is my last attempt to resolve this matter, otherwise they leave me no choice but to seek litigation. Final attempt.

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 2017-08-18 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: VA

Complaint narrative:
i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last XXXX of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available XXXX reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or 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 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: NC

Complaint narrative:
On XX/XX/XXXX I sumitted a complaint with CFPB against XXXX XXXX for trying to collect a debt that didnt belong to me. On XX/XX/XXXX ERC responded back stating that the debt didnt belong to them and they had no right to try and collect on that debt. ERC removed that debt from my credit report. I recently checked my credit report on XX/XX/XXXX and notice this account was again placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On X/XX/17 Navient received an additional payment of {$50.00} from me. This payment was supposed to go towards the Principle amount and not interest. I followed their instructions and created a separate letter stating that i wanted my {$50.00} to go towards the principle balance. I stated it several times in the letter that they told me to write, they stated that placing it on the memo line of the check will not be sufficient. I look on my account today and see they they put the entire {$50.00} towards the interest, exactly what i specified them not to do. I have two loan consolidation lines and asked them to put {$25.00} towards one principle and {$25.00} towards another principle. I am trying to pay down the balance of my loan so i wo n't be paying it off for the rest of my breathing life. How are they allowed to blatantly ignore instructions they asked payees to do. I know they saw the letter because i placed the check inside the folded letter. I planned to mail {$50.00} every two weeks so it can go towards my principle but I see they do n't even follow their own instructions. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express extended a credit limit of {$7000.00}. I used about {$3800.00} dollars of the credit extended. American Express assessed my credit standing and decided to reduce my credit limit due to a lower credit score than expected. However, they retroactively reduced the limit to an amount beyond the current balance. They reduced the limit to {$3400.00} the day after I last used it. Now I have a negative balance on the account and they are reporting that I exceeded the credit limit. When I used the card the credit limit was {$7000.00}. I did not exceed the limit or use credit that was not extended. The $ XXXX credit limit will seriously impact my credit score and credit report and indicate to other credit companies that I negligently went over the credit limit.That will have a detriment impact on me for future credit transactions. I contacted the company and they refused to restore credit up to the current balance unless I pay {$1600.00} to them. This is an unfair credit transaction and an violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: HW Holding, Inc
State: GA

Complaint narrative:
This company Hunter & Warfield INC. out of Florida contacted me in XXXX via phone and mail. When I received the letter in reference to a debt from another company XXXX XXXX I advised them by certified letter to not contact me and I only deal with the original creditor and I owed their company nothing. Also in that letter I asked for proof of the debt and did they have the right to conduct business in the stat of Georgia. They then sent me an additional letter outside of the 30 days that just had a bunch of numbers on it with just my name on it. They were then sent another certified letter stating that the information that they sent to me was not proof of a debt that I actually owed their company, because I never lived in Florida at any time in my life. After sending them the second letter I never heard from them only to receive a letter saying that I owed their company again, so I again sent them another certified letter demanding them to stop all collection efforts because I signed or have never had any deling with their company and to stop all collection efforts. Upon sending Hunter & Warfield Inc. the last letter I received an alert on my credit monitoring that they had listed this debt on my credit reports XXXX, XXXX, and XXXX XXXX. This illegal act has taken my score down almost 50 points they never validated this debt that I owed them or sent me any viable proof proving that I have business with their company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation