vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This complaint concerns Caine & Weiner Company , Inc. ( hereinafter " C & W '' ) located at XXXX XXXX XXXX, 4th Floor, XXXX XXXX, CA XXXX, telephone number ( XXXX ) XXXX. 

On XX/XX/2019, C & W violated 15 U.S.C. 1692 ( f ) ( 1 ), also known as 808 of the Fair Debt Collection Practices Act, which states that " [ a ] debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt ... the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' The circumstances of this violation are as follows : a ) on XX/XX/2019,  I, the reporter and consumer, called C & W to settle an account it had reported to the credit bureaus under my name, and which it claimed was an amount owed by me. The original creditor was XXXX XXXX, and the alleged original debt amount was {$490.00}. I offered to pay the account in full conditioned by the guarantee that C & W would delete the account permanently and completely from my credit reports. C & W agreed. I provided my credit card number to C & W. C & W, prior to charging my card for the amount allegedly owed, insisted to me that there was a " {$12.00} convenience fee '' that I had to remit in order to make my payment. C & W claimed that I was required to pay {$500.00} to settle the account. C & W had previously refused to provide any verification or accounting of the amount I owed. C & W did not provide any evidence that state law permitted a {$12.00} " convenience fee '' or that the original creditor 's agreement with me provided for a {$12.00} " convenience fee ''. In fact, the original creditor 's claimed amount owing of {$490.00} already included a {$5.00} " installment fee '', and the amount had long since been solidified by C & W and the original credit as the final amount due and owing - and this amount is the amount C & W reported to the credit bureaus.

C & W 's insistence that I pay an amount in excess of this amount is a clear and flagrant violation of the FDCPA, and I suspect that C & W is committing this violation with most, if not all, of its other accounts on which it is collecting from consumers. This deceptive and highly illegal practice must cease at once.

Finally, C & W refused to issue a receipt or confirmation of my payment to me in writing, whether electronically, via mail, or otherwise. C & W issued a " payment confirmation number '' to me, which it asserted was : XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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 spent 3 months trying to dispute inaccurate information with Equifax. I've done online disputes, I've mailed several letters and I've had several telephone conversations. The fraudulently information that they are reporting has been removed from every other bureau but Equifax. The information that they are reporting is from a company that DOES NOT EXIST! 

The only solution Equifax offered is writing NOTES on my profile which is still preventing me from securing housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed 3 hard inquires on my credit report. 
1 ) XXXX  XXXX. I thought I was doing a calculation. ( XXXX ) 2 ) XXXX XXXX ( XXXX XXXX ) I dont know who or what this is. 
3 ) XXXX XXXX ( XXXX XXXX ) same as above

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 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Systematic National Collection, Inc.
State: NV

Complaint narrative:
I disputed this account with Systematic Nation Co in XX/XX/2018 when I noticed it on my credit report. I requested the company and the credit bureau to validate the debt to make sure it was legally mine. I have not received any validation of this debt since XX/XX/ 2018 yet they continue to report on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have been contacted by Diversified Consultants on several occasions in reference to a XXXX bill that they say was not paid. I closed the account and did not owe that amount at the time I closed the account. A Diversified Consultants ' representative has called for months threatening legal action as well as affecting my credit. They have also tried to settle for less but would not remove the negative account that they have reported to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Those were the last dates they reported to the credit bureaus but they reported them several times prior to that as well. I filed a dispute with XXXX XXXX on XX/XX/XXXX and I saw an increase with my credit scores but the negative collections report still appears on my credit history. On XX/XX/XXXX I received a call from a representative from XXXX XXXX XXXX ( XXXX ) who offered a reduced payment of {$210.00} but also said they would still report it to the credit bureaus. I have been dealing with this issue for about a year and I have not been able to get any relief. Any assistance would be greatly appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A charge for {$370.00} was made on XX/XX/XXXX at a Kohl 's store in California. It was a fraudulent charge as I live in Massachusetts and was not out of state at that time. I received an email from Kohl 's on XX/XX/XXXX that my card statement had a balance. I called to submit a fraud claim and also close the account. I never heard anything back from Kohls and did not receive a letter. The charge remained on the account. 

I called again on XX/XX/XXXX and was told the first fraud claim had been closed for some reason. No notes were entered as to why. The woman I spoke with opened a second fraud claim at that time. As of XX/XX/XXXX, the charge is still on my account and I was told by the customer service rep, that since it is more than 30 days overdue, the credit bureaus were probably already informed of the late/missed payment. 

I think this is ridiculous and this should have been fixed long ago. The fact that my first fraud claim was erroneously closed should prompt Kohls to work to quickly resolve this issue. I have had excellent credit all my adult life and I really don't need this to XXXX it up. Each Kohls rep I speak to tells me something different so I really don't know who to believe anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: MO

Complaint narrative:
I notice on my credit report that is nothing changed, no negatives and no collection but my scores went down in the month of XX/XX/XXXX. I did consolidate my student loans but my credit worthiness ( CREDITORS ) is the same on all three Federal Credit Bureaus. The total amount that is owed is the same ; but my SCORES went down from XX/XX/XXXX ( EX - XXXX XXXX - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX  ). There should have not been any decrease in scores going downward if there were no negatives or collections, NO BAD REPORTING. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and UPDATED ON CREDIT REPORT. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I HAVE SENT DISPUTE TO THE FEDERAL CREDIT BUREAU AND HAVE NOT RECEIVED ANY EXPLANATION OF THEIR ACTION.

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 2019-02-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have made several attempts to have erroneous credit inquires removed from my report. Again, most recently I sent correspondence to all three bureaus to have fraudulent inquiries removed. I have received correspondence back that the inquires are valid. I have had no business dealings or authorized the pull my credit profile for these entities.The Fair Credit Reporting Act Section 609 ( Consumer Disclosure Section ) entitles me to this. 


XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have both successfully and unsuccessfully file disputes online via Equifax 's online dispute center. When successful, once I am notified of the results being available, I am unable to access them due to my info not matching what was on file. 
On one occasion when I called, the service rep told me the online system was down. Today when I used their web chat, I was told the same thing. For the past 3 days, including today when I have called, I was told by the rep that the 'system was updating and to try again later. ' The recording on the customer service line even has the nerve to send you to the site to submit and check the status of the report. 
My concerns are that they are offering services that are inefficient and ineffective if the customer is unable to use them and Equifax is unable to provide timely solutions when they are aware of issues with their system. Additionally, why are updates taking place during normal business hours impeding customers ability to get answers and access to their credit report. That is insane! They a once of the primary credit reporting companies that are used to impact millions of customers financial knowledge and well being daily. That should be unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-02-25 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: VT

Complaint narrative:
I started working for a public service organization in XXXX, 2011. I called Sallie Mae to make sure my loans would qualify for the Public Service Loan Forgiveness program. They told me that my loans would qualify, and that there was nothing else I needed to do besides stay current on my monthly payments for 120 months. 

It turns out that was misleading information, which came to my attention more than 3 years later. I moved my loans at that point to Fed Loans, so now they do qualify. 

I am still extremely upset about what Sallie Mae did in this instance. I am requesting a remedy from them, or to get credit for the 36 ( plus ) payments that should have counted towards the 120 needed for loan forgiveness. 

Please help, or direct me to any appropriate place to resolve this matter. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: OR

Complaint narrative:
Written letter XX/XX/2019, saying XXXXXXXX XXXX authorized them to collect half of a debt that I have never seen before in my life. Most recently I was a XXXX customer, it's been years since I've had a XXXX XXXX   account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: All Credit Considered Mortgage, Inc.
State: GA

Complaint narrative:
I'm a Certified real estate XXXX in the state of Georgia # XXXX. I performed an appraisal for a conventional mortgage loan/purchase for XXXX XXXX XXXX Mortgage , Inc. ( XXXX Mortgage ). Georgia Mortgage XXXX XXXX # XXXX and MD XXXX # XXXX. They chose XXXX XXXX as the appraisal management company to handle the appraisal for this loan. I completed the appraisal for them as ordered and have not received payment for services rendered. XXXX XXXX has since closed it's doors, so I contacted XXXX Mortgage and requested that they pay for the services they ordered. I was simply told they wouldn't do so. 


My question is, would XXXX Mortgage be required under XXXX XXXX to assure payment for services they caused to be ordered for products they used to get a loan processed? Also, I would think that the truth in lending statements aren't accurate regarding the XXXX fees as none were actually paid in this instance. 

Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Hi, I applied for public student loan forgiveness two years ago, the beginning of XXXX, and my loans were transferred to XXXX at that time. I have income-driven repayment, and have made all my payments on time in the correct amount, about 23 total I believe. XXXX is saying that I have only made 10 qualifying payments total, and that I won't be eligible for forgiveness until XX/XX/XXXX ( when it should be XXXX orXX/XX/XXXX since all my payments should be qualifying ). I have called to have it fixed, the rep did try and help and said he would submit it to have it fixed, however I never heard back and this was about a month ago. I have tried getting in contact with customer services in several other occasions since then, no luck. I need to have this corrected as I am worried that I will never be eligible for forgiveness if they continue on at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
In XX/XX/XXXX our company finished up a lease with a company truck. At this time we were sent an invoice that had some erroneous charges on it. On XX/XX/XXXX our company sent a check for {$840.00} and very clear terms as to what this payment was for and how it was paying off the remaining debt on the auto loan as we did not agree with some of the charges for alleged damages that Ally tried to charge us for. In this letter with the check we also very clearly stated this payment should be considered full settlement for this loan and cashing the check would be considered acceptance of these terms. By XX/XX/XXXX Ally had cashed this check and sent us additional invoices for what they considered an unpaid amount. We had clearly disputed this amount in our previous letter as well as numerous calls back and forth between our company and Ally. By XX/XX/XXXX they sent us a notice that they were going to report negative information to the credit agencies and proceeded to do so, at this time they also sold the debt to a third party debt collector. At this point every attempt to contact Ally about the account in question was met by them immediately transferring our calls to the third party debt collectors. Ally has since sent this to 3 different debt collectors including XXXX XXXX and most recently XXXX XXXX XXXX. After speaking with these debt collection agencies and sending them all of the correspondence including the attached paperwork below they refuse to pursue the debt and send it back to Ally. 


As you can see from the attachment below a check with was sent with clear terms outlined that it was for full satisfaction and accord, or as provided by UCC 3-311 the claimant sent a conspicuous statement to the person against whom the claim is asserted that communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place. 

You can then see Ally clearly cashed this check and credited our account with the corresponding amount. From here there has been a never ending flow of calls/paperwork as they pursue this debt and refuse to deal with us directly.

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 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a checking account with Bank of America. I knew that I had some significant charges that were going to hit my account around XX/XX/XXXX, so I transferred {$3000.00} from my XXXX XXXX savings account to the Bank of America checking account on XX/XX/XXXX. Some of the charges hit the checking account on XX/XX/XXXX, but the on-line transaction activity statement for the account showed that the account had a balance of {$170.00} as of the end of the day on XX/XX/XXXX. However, the bank still hit me with a {$12.00} overdraft fee and hit me with a {$100.00} cash advance from a credit card. I called the bank 's customer service phone line to find out what happened. The customer service representative said that I had an overdraft position on XX/XX/XXXX with the " in-process '' charges were included. When I told the representative that I had a {$170.00} at the end of the day on XX/XX/XXXX with the in-process charges, she hung up on me. 

I believe that the actions of Bank of America were unethical and illegal. In addition, even though XXXX XXXX XXXX  stated that the {$3000.00} was transferred on XX/XX/XXXX, it was not credited to my Bank of America account until XX/XX/XXXX. Bank of America always holds the funds for a day before crediting them to my account, which also seems to be unethical and illegal.

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 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2019 I sent out inquiry removal letters via certified mail to Transunion for unauthorized inquiries on my report. In my letter, it states that I've contacted both Transunion and the creditors. The creditors have no proof that I authorized these inquiries or have verbal proof that I gave permission of these inquiries. 

The letter stated that according to 604 of the fair credit reporting act permissible purposes of Consumer Reports 15 U.S. code 1681B in general. Subject to subsection E, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. code 1681 paragraph 5 treatment of inaccurate or unverifiable information ( a ) in general. If, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete. 

Transunion then sent me a letter on XX/XX/XXXX stating that these inquiries do not need my verbal or written consent to be on my report. 

Last 4 digits of SS # : 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