vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance
State: MA

Complaint narrative:
Hi XXXX XXXX XXXX / ASA ; How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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
Consumer complaint received 2020-12-03 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In XXXX of 2017 an annual fee of {$40.00} was posted to my account Barclays Jet Blue account ( credit limit {$8000.00} XXXX. I was not using the card and did not receive any notification that a balance was due. I logged into Barclays to review a different account balance XXXX XXXX XXXX ) and noticed that there was a late payment being reported for the Jet Blue account. I contacted Barclays regarding my Jet Blue credit account balance when I realized that there was a late payment due. During the call the representative refunded the past due balance and advised that the late credit reporting would be reversed to show no late payments. This was done because I did not receive any statement notifying that there was in fact a balance due on the 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
Consumer complaint received 2020-12-03 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: CITIBANK, N.A.
State: ID

Complaint narrative:
I agreed to pay shipping charges only for free samples of facial cream and gave the company my credit card number. I received the sample and didn't order any more of the product as it was not something I wanted. Beginning XX/XX/2020 and XX/XX/2020 I was billed on my Citicard the amount of {$94.00} from XXXX and {$97.00} from XXXX. I immediately contacted my credit card company and contested the charges with the promise that it would be investigated and to not pay the charges. The following month on my XXXX bill, I received the charges of {$99.00} from the XXXX and {$100.00} from XXXX. I tried calling both companies both months and received no answer.I also contacted the credit card company and spoke at length with them once again. In between these, my account was closed and another opened. The bank had sent the closed account to collection and I spoke with them, also was told not to pay the contested amount. At this point my protest has been denied by the Citibank and I was told I must pay the full amount plus interest and late charges. Case closed by the credit company. I did receive a second shipment of the facial cream and returned it immediately and was told my account was closed. The CitiBank is now threatening to report me to the credit reporting companies and therefore wreck my credit rating. XXXX, XXXX XXXX XXXX and XXXX  XXXX I have NO product what so ever for any of these expenses being charged. Not only have I been charged for items I did not order but the credit caard company will not support me in this matter,.

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 2020-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Veristone Mortgage, LLC
State: WA

Complaint narrative:
I secured a real estate construction loan with the lender, Veristone Capital, LLC to finish my renovation of my personal residence. They told me that I had to say it as not my personal residence in order for me to get the loan. I agreed then that I would complete the renovation with the funds and sell the home. However, they have been withholding my draw request funds and making it difficult to complete my project and get the home on the market. This is causing me to pay high daily interest and more and more fees as well as I have now lost critical market time. They charged me over {$10000.00} in loan origination and junk fees as well as an interest rate of 12 %. Now they are trying to string out my loan in order to keep the interest only payments of over {$2000.00} a month coming into their company. I have spoken and emailed the following individuals countless times and they contradict what they tell me each time ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Accounting & Draws Department countless times over the last few months as they started to drastically shorting me on my draw request reimbursements and now owe me over {$6000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
I spoke with the senior manager of the Office of the President ( corporate office ) of XXXX XXXX XXXX who after supplying them with the tracking number for the mobile phones stated that the account would be reduced to a {$0.00} balance. He stated this would be done within 24 hours ( on XX/XX/XXXX ) yet the collection account remains open. Email thread attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made a wire transfer for {$500.00} from my XXXX account to a recipient 's Bank of America account. My bank account status is such that I am not charged for wire transfers. However, Bank of America rejected the wire transfer and charged me {$45.00} ( An undisclosed and unjust fee ) for it. I find this completely uncalled for and unfair because the recipient 's details were correct however, my bank informed me that Bank of America simply rejected the transfer.

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have reported that I did not open this account and that I dont even have the bank account that was making those payments. My entire bank account was compromised as well and I have an entire new bank. I had just checked my credit score to get my first apartment which is where I saw this on my credit report. They claim because payments were made that they were me but those payments were never even consistent when I looked into it. I am always consistent with payments which is what I tried explaining to them.

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 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
I was contacted by phone and requested the details on the debt in question and informed the representative that this bill was paid. She refused to give me any information other than the amount I owed to the university of Minnesota. I informed her I needed more information such as a copy of the bill, the account number, date of service, but she said she doesnt have access to that information. The payment was completed and they filed the inaccurate debt afterwards.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United We Collect, Inc.
State: TX

Complaint narrative:
I took the action to dispute the amount of {$650.00} from United we collect inc. I have no idea this account was being placed into collections, I received no letter of that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Re : XXXX XXXX lease with : KIA MOTOR FINANCE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX * Started on XX/XX/XXXX * Turned in XX/XX/XXXX at XXXX  XXXX in XXXX NY, XXXX XXXX XXXX XXXX * 3rd party vendor assessment : {$0.00} charges due to great condition of vehicle I'm writing to protest, contest and dispute a poor marking on my credit report due to a KIA reported " 30 day late '' / non-on time payment on my XXXX XXXX auto loan. I recently disputed this with XXXX, but today I found I was unsuccessful and I'm VERY upset and disappointed. I am very careful with making on time payments as you'll find from the history of my leases and loans and I take a LOT of pride in my credit score as you'll see from my cumulative payment history. Today my credit score plunged from XXXX to XXXX according to XXXX, one of my creditors. 

The dealership communicated to me to wait until final bill was processed and that it may take a few months for Kia to process. I checked online account periodically for additional mileage charges to be reflected in the form of a bill. 

In XX/XX/XXXX I contacted KIA Motors to discuss account and they communicated that a portion of the mileage and other charges were dropped and so the bill was less. They agreed to a {$100.00} discount from what they were asking at the time. In total my payment was {$860.00}, comprised of ( 2 ) {$430.00} payments. They communicated to me during the call that I was at 31 or 32 days at the time. 

A ) I had ZERO knowledge of any concrete deadline with this residual post-lease balance and I expressed this to the representative at KIA ; and B ) I had ZERO knowledge that any post-lease balance was credit bureau reporting eligible. I also expressed this to the representative at KIA Motors Finance. 

I made 48 on time payments during my lease only to find that they retroactively posted a late payment to XX/XX/XXXX on my credit report, and went off the original instruction from dealership to wait until balance was finalized and that it may take a couple of months.

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 2020-12-03 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: GA

Complaint narrative:
Upon pulling my credit report I noticed that there is a XXXX XXXX XXXX account from 2014 that does not belong to me. I disputed this account with the credit bureaus and it came back verified. It is my right to conduct a direct dispute with XXXX/XXXX XXXX XXXX  under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file. I have no knowledge of this account and it is currently reporting as a charged off debt and is preventing me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
Infiniti financial reported me 30 days late in XXXX/XXXX 2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, XXXX, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted Infiniti in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to Infiniti at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I called Credit Collection Services after I spoke to XXXX. This account is not my account. I have a great relationship with XXXX and they told me to talk to CCS directly. When I called CCS they told me to pay the account to have it removed from my credit. Why would I pay an account that is not mine? THIS ACCOUNT IS NOT MY ACCOUNT PLEASE HELP ME!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation