vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I was shocked when I reviewed my credit report and found XXXX  days late payment on the dates XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
After an over a year intermittent communication between Allied Business Services and myself, the agency finally decided to agree on writing that they will cease and desist the collection of the alleged debt and that they will communicate to all the credit bureaus to request the removal of derogatory marks on my credit report. 

During the resolution and communicating process with XXXX, the agency wrongfully involved the Law Office of XXXX XXXX XXXX into plugin legal actions against myself, even when they were looking to collect on a debt that had already been taken care of. I communicated and identified myself with the law office, but they refuse to acknowledge my communication and didn't reply. 

I have continued to make attempts to contact XXXX, but no response has been received on their part. Now my credit report still reflecting their negative marks and continues to manage my creditworthiness due to this agency 's negligence to perform their duties is the fairest way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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:
I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big 3 bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten ZERO responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful. I do have a PNC BANK XXXX XXXX XXXX  but PNC BANK refuses to allow me to open a regular checking and savings account. I demand PNC BANK stop discriminating against me and allow me to open a regular checking and savings account! I also demand all unlawful, fraudulent accounts be removed from my credit reports and any and all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Ideal Collection Services is attempting to collect a debt that has not been properly validated.

The debt to which ICS is attempting to collect was compiled XXXX/XXXX/2018 and faxed to ICS on XXXX/XXXX/2018 for carpet replacement on a rental i vacated on XX/XX/2018. 

ICS provided USPS certified mail Labels ONLY without the original contents, no sender info at all. Just .... XXXX XXXX .... they mailed the certified labels to the apartment that has been vacated where it sat for over a month " knowing i could not possibly of had any knowledge of its existence to respond to the bill obviously ''. This clearly is in violation of my rights under the Fair Debt Collection Act and the state of Florida Statues Law Title VI Chapter 83 Article ( 3 ) ( a ) 3rd paragraph.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I made purchase an on XX/XX/XXXX for {$350.00}. 

I returned item to the vendor under an issued XXXX number by that company. 

There was a small gasket and a large pool pump motor in my returned package. i have proof of package receipt by the vendor. The vendor only credit me {$2.00} for the gasket and did not credit me for the XXXX pound {$350.00} motor. 

I went round and round with the credit card company for months and they would not protect my purchase and issue me the credit for which I am entitled.

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 2019-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My credit card advertises price protection for eligible purchases. I purchased a pair of sunglasses from XXXX and then found a lower price at a couple different online sites. I submitted a claim for the benefit and was denied because the adjuster said the lower priced ad and the purchased item were not the same. This was because the lower priced ad showed the sunglasses model number but my receipt showed the model name. I called customer service and explained they were indeed the same. Customer service and instructed me what I needed to do to dispute the denial. We mutually discussed what I needed to do that was sufficient to prove the items were the same ( its also quite obvious they are the same ). I followed the instructions and disputed this and showed evidence multiple ways that they were the same item. Additionally, I added another lower priced ad from XXXX that showed the name/model number/model name because if for no other reason, it was another lower priced ad that could substitute for the original lower priced ad.The claim was denied for the same reason and because I was told the protection only extended 60 days. First off, thats false according to the terms and conditions, secondly it hasnt even been 60 days. Customer service says I have no other recourse. 

This is very clearly an attempt to avoid paying a valid claim under an advertised benefit. Not only is it dishonest, it is deceptive and unfair. Had I known Mastercard would act in bad faith then I would never have used the credit card.

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 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
AfterseveralincidenceswithCapitalOnethatseemedshady,IdecidedtopayoffallXXXXofmyCapitalOnecards.Isentthepayoffbycertifiedmail.ThepaymentsfollowedwhatIthoughtwasthelawregardingsendingpaymentsbyduedates.TheXXXXofXXXX,2019wasmypaymentdate.WhichwasaXXXX.IsignedonthatMonday,theXXXXtoclosetheXXXXCapitalOneaccounts.ItwasthenInoticedlatefeeswheninthereshouldbeazerobalanceonallXXXXaccounts.IclosedmyaccountsandcalledCapitalOne.
Imadecontactwiththemandinquiredaboutthelatefeescharged.IinformedtheCapitalOnethatIsentthepaymentscertifiedandsincethepaymentdatewasSaturdayIshouldbe,bylaw,allowedthenextbusinessdayformypaymenttobereceived.CapitalOneinformedmetheyholdchecksXXXXdaysbeforepaymentisappliedtoaccount.Iasked,thereforeyouwillnotremovethelatefees.Theyinformedmemypaymentwaslateandtherewasnothingtheycoulddo.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harvest Credit Management VII, LLC
State: MD

Complaint narrative:
Good Morning I had an account with XXXX credit card through XXXX in XXXX DE back in 2006. They were paid off and my credit report was reporting a {$0.00} balance for all 3 bureaus. ( Please see attachments. ) Since then other companies such as XXXX XXXX and Harvest Credit Management has been harassing me. Harvest placed a judgement against me in XXXX XXXX District Court, it remained there and then it was discharged ( Please see attachments ) This account is almost 14 years old. The Credit Bureau suggested that I go to court and show the judge they all were reporting a {$0.00} Balance for this account after their investigations. I am in dire need of your help, I am XXXX XXXX years old, I have a job but now Harvest Credit Management has sent wage garnishment to my employer so they are threatening to do. How long can a person be harassed? almost 14 years. I have a check in which I paid them, a letter I sent to the Credit Bureau etc. ) Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
I HAVE A GARNISHMENT AGAINST ME FOR AN APARTMENT I NEVER RESIDED AT. MACDOWELL & ASSOCIATES ARE GARNISHING MY WAGES FOR AN APARTMENT MY SISTER LIVED AT. THE APARTMENT CAUGHT ON FIRE DUE TO AN ELECTRICAL ISSUE. THEY BEEN CONTACTING MY SISTER ABOUT THE DEBT BUT SUEING ME IN COURT. THE ONLY TIME I AM FINDING OUT ABOUT THE DEBT IS THROUGH MY EMPLOYER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: FL

Complaint narrative:
I was granted forbearance on all late payments on my student loan. I even updated a document outlining the terms of my forbearance from the lender. All late payments were forgiven up until XX/XX/2019. I submitted a dispute with Experian on XX/XX/XXXX. It was marked as completed today, but when i looked at it, absolutely nothing was done on the account. I tried calling multiple times, but i can get no one on the phone to help me with 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 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship. 

XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date. 

XXXX XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt. 

COLLECTIONS  {$31000.00} Reported balance XXXX XXXX XXXX   {$31000.00} Needs attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: FL

Complaint narrative:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
I've been using my DISCOVER credit card for about 2 years. I ALWAYS paid my bill on-time and in full each month. Two months ago, DISCOVER froze my card without notification. Then they sent me a notice that they wanted me to sign IRS Form 4506 which would give them access to my federal tax filing information. They didn't need that when they initially issued me credit, so why now. They could not give me a reason nor a reason for freezing my account. So, I would not sign this 4506 authorization and DISCOVER is now closing my account. I want a reason why they froze my account to begin with. And, did they ask 4506 signatures from all their other clients for no reason or did they discriminate against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: FL

Complaint narrative:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

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 2019-09-12 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: FL

Complaint narrative:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

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 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship. 

XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date. 

EDUCATIONAL XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt. 

COLLECTIONS {$31000.00} Reported balance XXXX XXXX XXXX   {$31000.00} Needs attention

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 2019-09-12 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: TX

Complaint narrative:
These inquiries I didn't authorize. they should not be on credit report. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I am filing a complaint against Ability Recovery Services XXXX. They are reporting negative information on my credit report. There is a collection account listed in the amount of {$140.00}. I have done further research and noticed that they are violating XXXX XXXX   State Licensing Requirements. I have attached proof from the XXXX  Department of Insurance ( License Services ) website. I am requesting for this account to be removed from my 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