vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-17 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: CITIBANK, N.A.
State: CT

Complaint narrative:
REF. XXXX  Card Number XXXX Dear Sir or Madam : In early XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to address some mistakes/concerns in my credit report. 

The report showed 3 late payments : XX/XX/2015 30 days XX/XX/2015 60 days XX/XX/2015 30 days The responsibility for these late payments are entirely on XXXX XXXX XXXX. 

At that time, I paid my XXXX bill on line through their website. In XX/XX/2015 the XXXX website managed by XXXX XXXX XXXX locked me out and prevented me from paying my bill. I could login, see my bill but could take no action. 

I made constant and repeatedly frustrating attempts to speak to their customer service department and resolve the issues and pay my bill, all without success. 
It wasn't until a customer services rep called me to ask about payment that I was able to get the situation resolved, at this point the bill was 60 days late. 

The bill was immediately paid, I was driving at the time and pulled of the highway to deal with the call, the rep got my web account fixed AND we set up an automatic reoccurring minimum payment to prevent any future late payments. 

Unfortunately, the automatic reoccurring minimum payment only worked for 2 months and then failed. I received another call from a customer service rep after the XX/XX/2015 payment went late, which I was unaware of, after all it had worked for the previous 2 months. 

I immediately paid the outstanding bill, and the Customer service rep found the account notes and fixed automatic reoccurring minimum payment issue. There has not been a late payment since then.

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 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
While filing my taxes, I did not have my bank account number, so I chose to have my federal tax return loaded onto an American Express Serve card. I forgot to include my apartment number when entering my shipping address during the registration process for American Express Serve. This was on XX/XX/2019. I should have received my card by mail within 7 - 10 days. Around the 7th day I realized I forgot to include my apartment number. I immediately tried calling their customer service number and was greeted with an automated system. I was able to enter the last four digits of my social and in return I was informed by the automated voice that I needed to activate my card and then prompted me to enter the 15-digit card number, which I do not have. I tried updating my address on their website, but since the first card is still considered an " active order '' I was unable to update my address. It shows a message saying they are unable to process my request at this time and to call the customer service number. Without my card, the customer service number is useless to me.The card 's estimated arrival date was XX/XX/2019. Today 's date is XX/XX/2019 and I am still trying to figure out how to get my federal refund of {$6200.00}. I can log into the website and app and see that my money is there, I can also see the last four digits of the account number but am unable to do anything until I activate my card. I even asked my post office how long they keep " undeliverable '' mail and I was told it gets returned to the sender almost immediately. I need to talk to a real person from American Express Serve, not an automated system. I have searched and searched and have found no solution!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 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: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
Since the summer of XXXX. I have been trying to removed a medical billing account from all three credit reporting agencies. My overall credit rating has taken a toll on my credit scores. I'm being charge high interest rates on every big items that I purchase, even a brand new automobile that I purchased almost a month ago. On XXXX XXXX, XXXX, I begin to paid on the medical bill account. J.P. Recovery Services, XXXX. XXXX XXXX, XXXX XXXX, Ohio XXXX. The Account Number is # XXXX. I was paying them by my personnel checking account with the XXXX XXXX. I wrote my last check to pay them off on XX/XX/XXXX. I have many pages of bank statements as proof of final payments. J.P. Recovery refuse to confirm, my payments, so I went to the XXXX of XXXX, Ohio to help me with that issue and they did. J.P. Recovery refuse to let the Credit bureaus know that my account was no longer outstanding. It was paid in full. I contact all three Credit bureaus of this transaction, but it fell on deaf ears. I need help to fix this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have disputed this company in the past. They do not have updated information on my credit report. I have been making my payments every month, plus additional payments and it shows that the payment history is still past due, since XX/XX/2018. This is affecting my credit score and I want it taken care of immediately. I am so done with this company. 
Ally Financial.

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 2019-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: LA

Complaint narrative:
I sent a letter to XXXX  in XXXX, with signature confirmation that was received on XX/XX/XXXX about a car they repossessed in XX/XX/XXXX. I was requesting paperwork under Louisiana 's ( R. S. 10 : 9-613, et seq. ) I also  requested a copy of the loan contract because my car loan was written up as a retail installment contact but it shows up as an auto loan. XXXX did not respond to my letter. To this date i have ONLY received the RIGHT TO CURE paperwork the same day as the repo. I was not notified of an auction nor was i notified when the car was sold and how much it was sold for. I have asked the 3 credit bureaus to delete this account because it is inaccurately reporting and invalid because XXXX has yet to furnish me with the documents i've requested. I have disputed this account SEVERAL times so pointing out the INACCURACIES now that the credit bureaus are stating is inaccurate should not mean they can update the account!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: GA

Complaint narrative:
This is a credit reporting agency complaint against Trans Union, # XXXX. I have tried several times to complete an online dispute and to update my 100 word personal statement. I am entitled to submit my personal statement and have it provided to all who may request my creit report. This is my personal statement I wish to have placed in my credit report : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of 5  items of adverse information. '' Item 2 : Remove XXXX, this is not my telephone number. Item 3 : XXXX Court Western VA, # XXXX, was supposed to have been removed on XX/XX/2017, see report, but remains in the report. Remove this. Item 4 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$2000.00}. Item 3 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$3500.00}. Item 4 : XXXX XXXX XXXX, XXXX, is being misreported. The balance is over-reported by {$1600.00}.

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 2019-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Liberal Finance Service
State: NJ

Complaint narrative:
I went to a dealership asking to buy a car, and he put me with this company : Liberal finance. 1st he asked me if I can put down XXXX $ for the car which is a XXXX XXXX XXXX XXXX miles. Since I get the car I spend XXXX $ as tickets, XXXX $ as impound XXXX $ paid to the finance company. In this situation I requested a refund, sell the car or give back the car and they said no! I still owed XXXX . The 1st day I drove the car from the dealership I spend XXXX . If I do the math from XX/XX/2018 to now I already spend XXXX $ and I dont have no title of the car and still owed XXXX $ Reported in credit report.

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 2019-03-17 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: LA

Complaint narrative:
I've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on EXPERIAN as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on XXXX  as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on XXXX  as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}

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 2019-03-17 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: CT

Complaint narrative:
Equifax is reporting XXXX XXXX account negatively stating in collections I bought the car out in XX/XX/2015 not in negative status. The have been reporting this now for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
3 company with inconsistencies, violations and double jeopardy ... 
I requested to XXXX  an investigation for reporting " past due balance '' and " 1 month term '' in collection account from XXXX which represent a violation to FDCPA ... 
The answer from XXXX was a verification from XXXX as shown in their own report attached in this complaint.. 
XXXX is confirming with XXXX the violation ... 
I decide to call XXXX to obtain an explanation but the answer was they has been transfer or sold the account to MCCARTHY , BURGESS & WOLFF to collect the account .... 
Now XXXX is reporting to XXXX an account that is not marked as sold of transfer with a Balance ... So, XXXX  is in violation of the FCRA by reporting inaccuarate information and failing to do a proper investogation.. 
Now MCCARTHY, BURGESS & WOLFF is asking around 600 dollars over the original balance requested by XXXX at the same time is reporting another balance to XXXX ... 
Account XXXX XXXX Violation to FDCPA, Violation to FCRA and double jeopardy ... 

Attached proof of XXXX balance reported to XXXX   before and after investigation and a letter from MCCARTHY, BURGESS & WOLFF collecting another balance for the same account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Barclay bank has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX  because of their failure to verify this with Barclay. They did not attempt to contact Barclay. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.

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 2019-03-17 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: LA

Complaint narrative:
I've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on XXXX as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on TRANSUNION as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on XXXX  as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}

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 2019-03-17 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: LA

Complaint narrative:
I've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on XXXX as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on XXXX as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on EQUIFAX as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/2017, I turned in the keys to my apartment after my roommate and I were placed under an eviction status and my roommate moved out without my knowledge. On the XXXX of XXXX, the balance left for the apartment was not only increased by over {$3000.00} but it was sent to collections before I had a chance to settle it. On the XXXX of XXXX, I received the final bill by email. I then proceeded to email management, I called and even showed up in person but they continued to avoid me. The bottom of the bill states you have 30 days from the final notice to settle the debt. Now the collection agency that has the debt has increased it by {$640.00}. When I try to contact the collection agency, I end up getting the voicemail. Also, I have never received a written letter from the company. The original debt amount was {$7300.00} and it is now {$7900.00}. The collector is Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Card has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX because of their failure to verify this with Chase They did not even attempt to contact Chase. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that Choice Recovery Inc, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery Inc, # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: NY

Complaint narrative:
3 company with inconsistencies, violations and double jeopardy ... 
I requested to EXPERIAN an investigation for reporting " past due balance '' and " 1 month term '' in collection account from XXXX which represent a violation to FDCPA ... 
The answer from EXPERIAN was a verification from XXXX as shown in their own report attached in this complaint.. 
EXPERIAN is confirming with XXXX the violation ... 
I decide to call XXXX to obtain an explanation but the answer was they has been transfer or sold the account to XXXX , XXXX XXXX XXXX to collect the account .... 
Now XXXX is reporting to EXPERIAN an account that is not marked as sold of transfer with a Balance ... So, EXPERIAN is in violation of the FCRA by reporting inaccuarate information and failing to do a proper investogation.. 
Now XXXX, XXXX XXXX XXXX is asking around XXXX dollars over the original balance requested by XXXX at the same time is reporting another balance to EXPERIAN ... 
Account XXXX XXXX Violation to FDCPA, Violation to FCRA and double jeopardy ... 

Attached proof of XXXX balance reported to EXPERIAN before and after investigation and a letter from XXXX, XXXX XXXX XXXX collecting another balance for the same account.

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