vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for Experian and then shows it is opened on XX/XX/XXXX for XXXX and XXXX. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XXXX of 2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for " XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.

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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Fetzer Financial Group Inc.
State: OH

Complaint narrative:
this company has financed a vacuum for me but financed the wrong amount. the XXXX I purchased was {$1600.00}. The amount they have on my account is over {$2000.00}. I don't want the vacuum and I want them to stop trying to make me pay for something at the wrong amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I was called 37 times from phone number XXXX, a number of Navy Federal Credit Unions,  between XXXX to XXXX on XX/XX/2018. This is excessive and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Im a retired teacher with multiple XXXX that affect focus memory and cognitive activities. I receive accidental XXXX pension paid at end of month. Citizen Bank every month there is an overdraft at beginning of month so they collect fees all month. Every month I loose up to a quarter of my pension to fees. There appears to be a pattern of payments that are scheduled for first of month not posting to up to two weeks later. Even when I dont use account debits occur. Last month I had {$900.00} on Friday when I went into hospital and a XXXX XXXX overdraft when I got out. In past three years they have taken over {$4000.00} in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
We have a son who was an XXXX  and over the years robbed us. We tried to get him help, tried to keep him from getting at our money but XXXX  are very resourceful. We became behind in our mortgage several times and had some success with modifications. However two years ago he did it to us again, and we were once again behind. We have spent the last two years trying to work something out with US Bank and they will not assist us. The issue with our son as been resolved and we make more than enough money to stay in a our home, but the bank will not restructure our loan so that we can stay. With a restructured loan at .50 % more over the life of the loan only increases the loan by approximately $ XXXX dollars a month. This is all we want is a restructured loan so that we can stay in our home for a couple of years so that our credit can recover and we can downsize into a less expensive home.

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 2018-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CO

Complaint narrative:
Home Point Financial not managing my escrow account properly. Every year for the past 5 years my account seems to have a escrow shortage when the numbers do not add up, For example, when my Insurance and property taxes increase to {$200.00}, I get a escrow shortage bill for {$450.00}. Contacted the VA and they refer me to contact CFPB. I have requested a break down on how they arrived at those numbers, they send a basic break down but nothing showing how they arrived at the escrow shortage amount. Customer service reps for Home Point Financial were not friendly when ask to explain or break down shortage. I am concern!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Disputed with the company on XX/XX/18. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2018-08-07 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: LA

Complaint narrative:
Equifax is violating the FCRA by not blocking and removing fraudulent accounts!!! I have sent in police reports and ID THEFT affidavits and troves of other supporting documents clearly showing this to be the result of ID THEFT, All I keep getting told it that they are begin verified as belonging to me!!! How can this be when the other agencies have removed these fraud accounts with the supporting documents? Equifax needs to follow the law and remove the following!!! 
1.XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00} 2.XXXX Account # XXXX Date Opened XX/XX/XXXX 3.XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Equifax has also ignored a XXXX complaint that I filed against them by saying that my info does not match even though I sent them the required documents verifying my ID>

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax placed a freeze on my credit score without asking or telling me and it is a mager undertaking to get it lifted .I would like it lifted and would also like to know what right they have to do such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM REPEATING THIS IS NOT A DUPLICATE THIS IS A DIFFERENT ISSUE CONCERNING THE PREVIOUS ISSUES, AND LABELING THIS AS A DUPLICATE, WILL CAUSE ME TO FURTHER ACTION IN THE FORM OF A LAWSUIT IF NOT REMEDIED CORRECTLY ; I had opened a case with you all previously to try to rectify this matter and yet Transunion only partial did some type of work for previous case # XXXX, The company called XXXX XXXX for over a year has been report Bankruptcy on my credit report, which was totally false and Transunion did not verify the information and posted on my account which created a huge dang in my credit. This was not re investigated properly till after I attached information from the XXXX  system and XXXX XXXX XXXX after complaining 3 times in reference to this matter and yet Transunion is still reporting XXXX information and reporting after this company clearly shows they are lying by reporting inaccurate things to my credit report ( Bankruptcy ). Transunion need to remove this account completely they are breaking several laws. Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, you contacted us via telephone and investigations were initiated. In the interim of your investigations, we received your CFPB Complaint. As a result of the investigation, XXXX XX/XX/XXXX# XXXX removed the bankruptcy status and added the charge-off status with a balance of {$760.00}. The closed date was updated from XX/XX/XXXX to XX/XX/XXXX and estimated deletion date from XX/XX/XXXX to XX/XX/XXXX. So you telling me after Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character This needs to be completely removed and credit corrected or I will not hesitate to sue and I have all the information to do so!

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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank closed all my credit cards without warning. This will adversly impact my credit score as it lowers my total available by over {$10000.00} making my utilization ( which was already quite good ) go down. There was no warning, I never missed a payment, I always used the card on time. There has been no reason given to me just that they were closed without warning and that I would have to re apply ( taking another hard pull ) while they just gave me this card a week ago, which means I got a hard pull for nothing and have to wait 2 years for it to drop off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
As described in complaint # XXXX, the provided information sent toa previous landlord had a letter head stating it was from a XXXX XXXX atty at law. This letter was asking for personal information about me to include addresses aand phone numbers. 
In a simple search, it was revealed that it was a post judgment collection agency.

According to FDCPA policy sub section 804 paragraph 5 any symbol, name, etc etc. leading to the disclosure it is an attempt to collect a debt to a third party is by definition, according to FDCPA sub section 813 paragraph 2, subject to {$1000.00} per incidence of said violation.

As a result of that letterhead my former landlord willno liner give me a reference for future rentals. 
I find it hard to believe that a simple response " of any kind '' is enough to close this dispute while I can no longer get into housing I served my country to have the ability to obtain as a citizen. 
I have the letter, the envelope, and even retained representation from a FDCPA protection company, XXXX. I would love to enclose the pictureof the proof, but if I can't figure out howto download it, just ask instead of " closing '' a real complaint. My number is still XXXX, aand you have my e- mail. On top of that, a real agency is taking interest, so the must be something there. Call them. 
Lastly, upon any reply from a company, if which the lawyer 's name is on, should probably have said lawyer working at. All i got was a listof possible agencies, and they all went back to the same people answering the phone. I don't know which agency to even call or to whom I'm talking to. I'm pretty sure I joined the XXXX to protect all Americans, not just big business that has an automated response. Again, i HAVE the letter and envelope and everything enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: CA

Complaint narrative:
I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in Experian, XXXX and XXXX. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO   score reduction.

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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
XXXX - CFPB allows the Safe Harbor act to be violated and are totally useless to protect citizens from banks. You are a complete waste of our tax dollars!!!!

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 2018-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have contacted Transunion, XXXX and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. 

I am hoping you can assist with this issue with the credit reporting agencies.

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 2018-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: NM

Complaint narrative:
Hi : my name is XXXX XXXX, on XX/XX/XXXX I got a XXXX loan from Regional finance XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX, on XX/XX/XXXX I made a payment of XXXX that apply for a few months, from XX/XX/XXXX to XX/XX/XXXX then we made another XXXX payment on XX/XX/XXXX, to cover from XX/XX/XXXX to XX/XX/XXXX, from XX/XX/XXXX didn't make any payments till so they added XXXX interest on the balance, XX/XX/XXXX I made a payment of XXXX they applied to the interest. then I made 9 more XXXX payments, they applied all 10 payments to interest balance went up fromXXXX to .XXXX now they are charging interested over interest. I want to pay in full but I think my it's to much XXXX it's not fair. I'm willing to pay what's rights, I spoke to the manager XXXX XXXX and discuss about haw interest works and he kind of explained but I wasn't convinced I need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Nelnet, Inc.
State: MD

Complaint narrative:
I reached out to my creditor regarding my account. I was told that if I brought my account current before the XX/XX/XXXX then I would not be reported to the credit bureau. Payment was made before the 90 day deadline. Hence, I was reported with 2 separate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: CA

Complaint narrative:
I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in XXXX, TransUnion and XXXX. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO score reduction.

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 2018-08-07 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: CA

Complaint narrative:
I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in XXXX, XXXX and Equifax. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO score reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
This company sent a letter on XX/XX/2018, and when I contacted them regarding the letter, I asked for them to validate the information, the debt, the amount, and that it was mine. They were not able to do so and I was told to contact the creditor. The letter stated that if I dispute the validity of the debt that I have 30 days to do so. 

On XX/XX/2018, I received an alert from the credit bureau stating that Diversified Consultants was placed on my credit report. To my surprise no validation of this account was given and I'm still disputing the validity. Per Fair Credit Act I am allowed to validate an account that appears not to be mine and I have 30 days to do so. 

I believe this account is not to be mine, and I need for them to validate it's mine. 

I don't know what is up with collection agencies not validating who they are but asking for money. There should be some legal process to protect us from scams like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: KS

Complaint narrative:
On XXXX-18 I contact discover to set up a check for {$220.00} with my account with XXXX. I contacted Discover on XXXX-18 advising them that they could pull the check and run it that day and that I had closed my XXXX account and provided them with my new checking account. 

Discover then processed the {$220.00} twice. Once from the XXXX account and again from the new account. I contact Discover and spoke with XXXX XXXX on XXXX-18 at XXXX XXXX. She advised that although I did tell them that the account was closed and the rep should have transferred the call to their supervisor it was not their issue for running the check because I only said the account was closed instead of pull the check and that this was not their fault because the rep was using a different computer system. 

This is a blatant breach of both federal and state law. I want the U.S. Attorney 's office to investigate Discover for possible criminal charges and for Discover to pay damages for their negligence.

Company response to consumer: Closed with monetary relief