vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 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: AmeriCollect
State: FL

Complaint narrative:
I have tried several times to contact the company AmeriCollect about a duplicate account that they are reporting to my credit report and it is affecting me from obtaining credit. My last dispute I attempted was last month and it came back verified and updated. The accounts are the same. Same amounts. Only difference is that one has an A added to the end of the account number. One was reported on my account on XX/XX/XXXX and the duplicate was reported on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX REPORTING THE ERROR XXXX XXXX XXXX  XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
OnXX/XX/2018 I sent a letter to XXXX XXXX/Walmart in regards to acct # XXXX in regard to late payments and to validate the  debt. The certified mail on signed on XX/XX/2018 respond back from XXXX XXXX/Walmart was a letter copy of app with monthly statements ,no receipt of signed purchases made, no canceled checks, receipt of documents itemized bills does not constitute verification. Than I sent another letter on XX/XX/2018 certified XX/XX/2018 informing XXXX XXXX/Walmart that they have Violate the federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law and which they have failed to do.You are required by the law to place a "notice of dispute" when you signed on XX/XX/2018 with in the 30 days required XXXX XXXX/ Walmart is in violation, The Fair Credit Reporting Act Section 623(a)(3) for not placing a "notice of dispute" within the timeframe and evidence certified mail you must now remove the item. XXXX XXXX/Walmart has since place a "notice of dispute" on credit report but still in violation because you are to place a notice of dispute on all bureau you are reporting to not your favorite one. XXXX XXXX/ Walmart has part way acknowledge there violation by the federal law but will not fully acknowledge it XXXX XXXX/Walmart has remove some of the information off of the XXXX report but did not remove all this is still violation in frauding the system.XXXX XXXX/Walmart fail to remove off of report on XXXX,XXXX credit report which is scaming the system and they do what they want to do if you don't pay attention. The copy of my report are attached to prove evidence and I have never even got a letter that they tried to part way removed off of XXXX  because they were gonna re-insert info back on with out my knowledge. 
THIS IS VIOLATION OF RULES/FEDERAL LAW THAT YOU HAVE TO ABIDE BY. TO PLACE A "NOTICE OF DISPUTE" ON XXXX,XXXX,XXXX   CREDIT REPORTING AGENCIES.THE FAIR CREDIT REPORTING ACT SECTION 623(a)(3)REPORTING FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES[15U.S.C.1681s-2](a)(3) DUTY TO PROVIDE "NOTICE OF DISPUTE" YOU MUST NOW DELETE THE ITEM AND PROVIDE ME WITH A NOTICE OF THIS DELETION OFF REPORT.
PLEASE ASSIST THE COMPANY ABOUT THE LAW AT HAND THAT THEY HAVE VIOLATED.

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 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: COMMERCE BANK
State: ND

Complaint narrative:
XXXX XXXX, based in XXXX XXXX, MO, does not correctly follow reg E when cardholders contact them regarding unauthorized transactions on their account. The advisers in their fraud department regularly deny cardholders the opportunity to open a fraud case for charges they didn't attempt. There are many excuses and justifications that the call center advisers give as to why they won't start a fraud case, but ultimately they are not correctly following reg E. The advisers know what they're doing isn't allowed, but they do it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a letter on XXXX-XXXX-2018 from Citi dated XXXX-XXXX-2018 explaining that I made a payment on XXXX-XXXX-2018 in the amount of {$69.00}. I have tried to explain to them that I did not make this payment or the info in the letter regarding this XXXX account number does not belong to me. This must have been an error on Citi part for entering the incorrect account number. Citi has yet to get this matter resolve and remove this payment off my account. I always pay my account online in full every month. There was no need to make any payment arrangements. Please review for correction. I have enclosed a copy of the letter from citi and my account showing the payment entered incorrectly.

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 2018-07-23 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Ever since I opened Chase Prime credit card I have been having issues with them attaching someone else 's checking account to pay my bills. I have NEVER given them written, oral, or electronic permission to access someone else 's account to pay my bills. I have complained about this numerous times and walked through correcting it over the phone with their customer service department beginning in XX/XX/2018 and it continues to be an issue. My XXXX bill was paid by another checking account instead of mine. I called in and asked them to immediately reverse it and charge mine instead. They can not get this corrected and the bill remains unpaid. They have completely ignored my complaints, charged me interest and fees, and won't address this problem with their IT department. Now they have frozen my card. I WANT TO pay my bill, but they won't fix the problem that is preventing to be paid. They are in denial that they have an IT issue, so instead of fixing it they just erase or they don't record my calls!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Contract Callers Inc is listed on my credit report. There has been no verification provided to show that I had or have any liable obligations to make payments to Contract Callers Inc for any type of services. They are collection a debt which I have no debt that is owed to their company and they have not provided me with any information or verification showing that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: AL

Complaint narrative:
I DISPUTED INFORMATION WITH TRANSUNION AND XXXX AROUND XX/XX/2018 REGARDING XXXX. ALTHOUGH I SENT IN RECEIPTS SHOWING PAYMENTS AND PAYMENT DATES AND A LETTER STATING THAT XXXX  HAD ALLOWED PAYMENT ARRANGEMENTS TO BE MADE, THE CREDIT REPORTING COMPANIES DID NOT UPDATE MY INFORMATION STATING THAT XXXX   STATED THAT THE INFORMATION IS ACCURATE. IN ADDITION, IT DOES NOT STATE IN MY TRANSUNION THAT THE INFORMATION HAS BEEN DISUPTED. 

AS A RESULT OF THE MISREPORTING OF THIS INFORMATION, MY CREDIT SCORE FELL FROM XXXX TO 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 2018-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: MO

Complaint narrative:
The loan is paid in full but stilling show a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XX/XX/18- collector called the number listed and left detailed voice message about me and advised legal action was being taken. That number belongs to a family member that lives in another state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went to the Capital One web site to apply for XXXX XXXX XXXX. By the time I finished the application, I realized it was for a credit card not XXXX XXXX. I already have a Capital One Venture Card and dont need another. Every time you apply for another credit card, it damages your credit score. This is a highly deceptive practice by Capital One. Please remove this inquiry from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 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: NY

Complaint narrative:
I was placed into multiple forbearance upon their guidance only to result in more money owed to them. This process was not explained to me and I feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: NJ

Complaint narrative:
I called Transunion on XX/XX/XXXX to report that I have been a victim of their inquiry issue that resulted in incorrect inquires appearing on my credit report. Clearly the representative at the bureau did not care and was not their to help and made it seem like the bureau PROFITS from bad credit and would not remove something that did not belong on my credit because it WAS NOT authorized by me. The following inquiries I reported to have removed - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
The following accounts have reappeared on my XXXX Credit Report : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX These accounts are being reported by Credit Systems Intl after being removed 14 months ago. They were satisfied, however Credit Systems continue to post and remove at their leisure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
On XX/XX/2018, I sent a certified debt verification letter to Security Credit Service for account numbers XXXX and XXXX, asking that they verify the debt. The letter also stated under the Fair Debt Collection Practice Act ( FDCPA ) I have the right to request validation and verification of the debt that any company say that I owe to the. I asked for a contractual obligation that was bearing my signature, which would be binding me to pay the debt that is being said that I owed. I did not receive anything from them. I then sent a certified letter on XX/XX/2018, requesting the same information from them and they returned a letter that was typed up that bared a company names, but again, I was not given a contract between myself and their client that bared my signature saying that I responsible for the debt. On XX/XX/2018, I sent another certified letter to the company asking that the information be removed from my credit report due to 3 letters being sent to them asking for validation of the debt and a contract between myself and their client be sent to me showing that I was responsible for the debt. Since the information that was requested by me from there office failed to comply with the requested information from the date of the receipt of the very 1st letter dated XX/XX/2018 ( sent certified ) I am requesting that all references to this account be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. They failed to do so and they continue to report this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: MD

Complaint narrative:
I was enrolled in auto-pay for my 1-01 Direct Loan - Subsidized,  which was unexpectedly and without notice cancelled on XX/XX/2018. As a result I missed my scheduled payment on XX/XX/2018 by one day. I was never notified by Navient that my auto-pay enrollment was cancelled. The Navient representative was unable to find out why my enrollment in auto-pay for that loan was cancelled.There were sufficient funds in my checking account from which I make payments on top of that. I immediately made the payment manually on XX/XX/XXXX. I set up auto-pay enrollment precisely so that I could get peace of mind when making repayments on my student loans. It is irresponsible for Navient to cancel enrollments of its customers and without notice. I receive a monthly email from them confirming payment. When I did not receive it this morning I made sure to check. Had I not checked my loan could have gone into default eventually.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: AL

Complaint narrative:
I DISPUTED INFORMATION WITH XXXX   AND EQUIFAX AROUND XX/XX/2018 REGARDING XXXX. ALTHOUGH I SENT IN RECEIPTS SHOWING PAYMENTS AND PAYMENT DATES AND A LETTER STATING THAT XXXX HAD ALLOWED PAYMENT ARRANGEMENTS TO BE MADE, THE CREDIT REPORTING COMPANIES DID NOT UPDATE MY INFORMATION STATING THAT XXXX   STATED THAT THE INFORMATION IS ACCURATE. IN ADDITION, IT DOES NOT STATE IN MY TRANSUNION THAT THE INFORMATION HAS BEEN DISUPTED. 

AS A RESULT OF THE MISREPORTING OF THIS INFORMATION, MY CREDIT SCORE FELL FROM XXXX TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/18 I signed up with XXXX XXXX auto pay option. I used the web site and agreed to the option to withdraw the total amount due. During the month of XXXX I made three payments ; the 2nd of {$550.00} the XXXX of {$300.00} and again on the XXXX of {$350.00}. I received an email stating that my XXXX payment as been met and that my next payment of {$460.00} was due on XX/XX/18. On XX/XX/XXXX auto pay attempted to withdraw the monthly payment of {$550.00} which caused a NSF charge on my account. I spoke to many customer service agents and they insisted that I signed up for the regular monthly amount and I should have read the fine print, but could not tell me here the fine print was or what it said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX : We traded in a truck at XXXX XXXX. The dealership took possession of the truck and we drove away with new car leased from XXXX also made our first lease payment to XXXX that day. XXXX did not pay off the truck loan amount ( through Regions Bank for amount of {$33000.00} ) until XX/XX/XXXX ( 34  days late. ) This left a 30 day late mark on my credit score. I have never been late on any payments in my credit history and this incident dropped my score about 75 points. I have tried to dispute with XXXX and asked for forgiveness via phone and letter from Regions Bank to no avail multiple times. XXXX dealership will not return my calls.

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 2018-07-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My mortgage account with Wells Fargo Home Mortgage should be showing closed with a balance of XXXX, because a settlement agreement was reached. On XX/XX/2018 a consent judgement was finalized with a " waiver of deficiency '' in the XXXX Circuit Court of XXXX County Florida ( Court Document Attached - item # 7 - Waiver of Deficiency ). 

In spite of the court ruling, Wells Fargo continues to report my account as delinquent with a deficiency of over {$70000.00}. This report by Wells Fargo is fraudulent and contrary to the courts ' ruling.

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 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
( a ) Attempts to resolve this with offshore assistance are futile ... I was disconnected after requesting, then demanding a supervisor. ( b ) Month after month, I have issues with Cap1 having a friendly digital relationship with my XXXX XXXX XXXXXXXX.. First, I can not efficiently use my online bill pay feature with XXXX due to a cooperative institution to institution relationship. Secondly, XXXX must then cut a check and send it as though this is some small mom & pop creditor. Then the payment of my transactions are greatly delayed. Creating the need for me to call every month and demand they clear a XXXX check so I can use my card. ( c ) Made a purchase with XXXX on XX/XX/XXXX and discovered the hotel was grossly over rated and I should not have been charged this amount of XXXX.. This charge should be disputed as, faulty product.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION
State: PA

Complaint narrative:
OnXX/XX/18, I applied for a student loan at XXXX. I was immediately approved, with a cosigner ( my brother ) at rates that varied between 7.8 % and 8.8, depending upon my repayment terms. 

I was told by my school, online websites, and the Consumer Financial Protection Bureau, to shop around and compare student loans, so over the next two days, I applied for 3 more student loans in order to compare rates with XXXX XXXX. 

When I realized that the original XXXX XXXX loan was the best rate, as compared to the comparing loans I applied for, and were approved for, I went back and completed the loan documents again at XXXX XXXX. My approved interest rate on the second XXXX XXXX application was 10.2 % to 11.2 %. 

When I called XXXX XXXX, and explained that I wanted to original interest rate I was quoted on XX/XX/XXXX, I was told that my " shopping around for the best rate '' actually impacted my, and my cosigners, credit score and I would not qualify for the original rate they offered me. 

None of my ( or my cosigner 's ) financial circumstances have changed in two days. I should be able to obtain the original loan terms that were offered to me. Students should not be told to shop for the best rate, when this practice will only increase their rate with every comparison.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation