vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have paid off the account balance since XXXX 2015 and despite my numerous contacts with the creditor and the credit reporting agency, sending all the legal documents showing that the balance was paid off, to this present date the account stills appears as unpaid and thus affecting my credit record

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 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received documentation from XXXX XXXX XXXX stating that their office had reviewed the account with XXXX XXXX in the amount of {$470.00} and have made the decision to discontinue collection efforts therefore deciding to submit a deletion request to the credit bureaus.Today I have received a notification from XXXX stating that a collection account has been added to my credit reports, to my surprise it was the EXACT same collection under a different collection agency called Diversified Consultants trying to collect the exact same debt! Not only was I not previously contacted ( by phone or email ) from this company, it is also stating the debt was opened in XX/XX/XXXX how is that even possible? In addition to that, I have no prior knowledge and NO CONTRACT with this company called Diversified Consultants, I am requesting they send a deletion request to the credit bureaus to have this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
{$330.00} was withdrawn from my checking account XX/XX/XXXX to satisfy a previous account that was closed XX/XX/XXXX with NFCU that did not have an outstanding balance. The last communication that I have had with NFCU with regard to this account that was closed was in XX/XX/XXXX and it was satisfied in order to open a new account with them which is still active to date. The bank advised that both accounts were active at the same time however they were not because I was not able to open the new account without satisfying the closed account. I have since had an auto loan with them in which I paid off early, a personal loan ( still active ), a savings account ( active ) as well as a checking account ( active ) and at no time did NFCU reach out to me outside of XX/XX/XXXX to discuss the closed account or any balance owed on the account instead almost 4 years later they debit funds out of my account without notice causing it to go into the negative. I asked that they send a copy of the last statement for the closed account they are collecting for as well as the 1st statement for the account that was opened around that time neither of which has been provided to me yet, I am asking that my funds be placed back into my account as it is not owed to them nor can they justify the lack of communication for almost four years on an account they believed to be delinquent that was satisfied. They could only advise that they do not send notices out nor do they call on delinquent checking accounts that are closed, please do tell how would a consumer know funds are owed on an account that was satisfied and not open at the time that the new account was established. I would like the last statement for the account they are saying had a balance as well as the 1st statement for the account that was opened in XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I got my XXXX car loan from XXXX XXXX and had a credit score of XXXX at the time. I was told by the manager that my credit score is extremely low and that only the financial institution of Toyota would give me a car loan. He told me that he made efforts for a low interest rate of 19.34 % which I still have up to know. I told him that was very high but he strike back saying I am only making a {$4000.00} deposit on a {$33000.00} car and that I would be able to lower my interest rate after one year. I later found out that ( lowering interest rate ) was a lie because when I called Toyota they directed me to other unknown loaners who ended up messing my credit score more  without even lowering my interest rate XXXX cent. 
A friend to mine who lives in California told me Toyota and other financial institutions and car dealers were found guilty of discriminatory car loans to XXXX XXXX and that I should get in touch with the Consumer Bureau. I am XXXX XXXX and I am not making an accusation about Toyota of racial discrimination, but I would like to find out when I was given my car on loan on XXXX XXXX for a XXXX Toyota Highlander, was a 19.35 % loan acceptable or discriminatory. I have so far ask a lot of drivers in the same situation but I find it curious that some people with worst credit than mine had better interest than me from different Toyota dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I did not know the debt was due until i looked on my credit report. I have sent documents to this business asking to prove claim and to fill out the disclosure statement i attached and I did not receive 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 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They  refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Never had business with such company & I never lived at the original address on file for this billing. I request this be removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase offered me a Chase XXXX XXXX card two weeks ago. I immediately signed up for it and instantly got approved a week ago. When I checked my online account today, I found out that they suddenly closed the account! They also did it with another credit card that I applied for which is the Chase Slate. These two cards were opened about a week ago. did n't even get the chance to get those cards in the mail yet -- they already closed it without prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank is blocking me from enabling external applications i ca n't share my information with coinbase because TD bank does not allow me to link my account to this website

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer  contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello-I typically check my checking account every other day. I just returned from vacation this Sunday XXXX/XXXX/2018 and noticed there were several unauthorized charges. I barely used my debit card while on vacation, and resorted primarily to using my credit card. I called Wells Fargo, and they opened an investigation, however also relayed that fraudulent charges affected my Dad 's account too ( who is a joint account holder ). My online account was  suspended, and I was told I was going to have another debit card reissued and that my account information would change. I called back customer service to follow up ( as it has been three business days ), and have been on hold for going on 1 hour and 37 minutes and told that there are no specialists available. In the meantime, more fraudulent charges have appeared in my account, and my dads. This is an urgent matter as my Mom was socially engineered on Friday from a " Wells Fargo Representative ''. I think this matter should be treated as soon as possible. I do n't have the time to be on the phone with customer service for approaching now 2 hours. Please advise as soon as possible.

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XXXX and XX/XX/XXXX I wrote checks for {$750.00} each day to XXXX XXXX, a company I contracted to do work on my home. The checks were cashed on the day they were written and were posted to my checking account on those days. 
On XX/XX/XXXX Wells Fargo posted those two checks to my account and took the funds from that account. 
In XX/XX/XXXX I contacted Wells Fargo concerning this and they " provisionally '' returned the funds to my account while they investigate. 
I have attached bank statements showing the same two checks cashed on two different occasions.

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 2018-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Union Home Mortgage Corp
State: CO

Complaint narrative:
For ten days I have been trying to get modification doucemnts from Union Home Mortgage. The first time they said would take about 48 hours to be email. Nothing happened within this time frame. I called back and it was stated the request was never put in. This has been going back forth for 10 days. It has to be requested and then I was told it could not be email. I gave them a fax number to fax it to and still they are saying it will take 48 hours for the request to go through. Today X/XX/2017 I called again trying to get the documents and was informed of the soame 48 hours request to be sent. I spoke with a supervisor and got the samething and never got to the right person. It was never the modification department. I was informed that the modification department does not take phone calls. They only do modification.

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 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Hayt, Hayt & Landau, LLC called my husband 's employer without permission, humiliating my husband in front of his boss and peers. He has only been at this job for 3 months and this is phone call damaged his reputation and character. My husband is a XXXX XXXX XXXX ( outside ) and would never take a phone call in the office. 

Hayt, Hayt & Landau, LLC https : //www.haytlaw.com/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I have disputed this item before and they took it off, now they have placed the item back on my credit profile, I have know knowledge of the said account. I was a victim of ID thief and the company has been made aware of it several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I did a title loan with One Main Financial. I feel like the interest they 're charging me is illegal and outrageous. I pay {$250.00} per month just on interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient has written off my private student loans as a loss. They continue to misreport the loans on 8 separate trade lines each month. 

I have written to Navients supposed attorneys who contacted me but I dont believe they were a true law firm. I requested copies of my original promissory notes to determine if I owed them as much as they say I do. I have received no response to my requests and they continue to illegally report 8 negative accounts with them. 

If they cant provide me with proof that they own my loans and the original promissory note terms these trade lines must be deleted. If they have written off these loans than they need to eliminate these trade lines. 

I also was threatened on a recorded line by a supervisor to an employee named XXXX XXXX. She was XXXX in ethnicity and asked me what my employer would think if they knew I had a defaulted student loan. Navient also sent fax requests for information to my employer when they had no legal basis to do so and I specifically told them not to contact my employer. 

Navients behavior and false reporting is causing my credit score to remain low and I can not buy a house. Please investigate this corrupt operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
i was fraud alerted by chase bank that money was being transferred in the XXXX via XXXX XXXX online. I immediately contacted chase bank on XX/XX/XXXX at XXXX XXXX united states time XXXX on a recorded line that the transaction did not belong to me and was fraudulent.On XX/XX/XXXX the money was returned to my account at Chase. On XX/XX/XXXX Chase bank took the money back out of my account saying that i authorized the transaction with XXXX XXXX. Both XXXX XXXX and Chase are denying any responsibility. XXXX XXXX on XXXX XXXX, announced that they had a major security breach and I believe i was a victim. There were 3 transactions from the same person and location. I had previously sent money to this person who was related to me. The problem is that the monies were disbursed at a location in XXXX XXXX and my cousin lives in XXXX XXXX which is different region of the country. There was never a control number issued for these transactions which is required to receive the funds. 
I spoke with XXXX XXXX and they could not provide a control number of the transactions Transaction 1 ) XXXX Transaction 2 ) XXXX Transaction 3 ) XXXX totalling XXXX US dollars. I have been blocked by XXXX XXXX for going on line to investigate and Chase has said its my responsiblilty to contact XXXX XXXX. I also contacted XXXX XXXX and they said to call Chase because Chase withdrew the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 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: NY

Complaint narrative:
MY COMPLAINT IS AGAINST 'CAPITAL ONE BANK XXXX  CARD ; ' ACCOUNT NUMBER ENDING IN XXXX ; ' I PAID THE XX/XX/XXXX STATEMENT, IN PERSON, AT THE XXXX NY BRANCH, ON XX/XX/XXXX -- FIVE DAYS BEFORE THE DUE DATE ; BECAUSE I INADVERTENTLY PAID THREE ( 3 ) DOLLARS LESS THAN THE MINIMUM, I WAS CHARGED A {$39.00} 'LATE FEE ; ' ON XX/XX/XXXX, REFLECTED ON MY STATEMENT DUEXX/XX/XXXX ; I QUESTIONED THIS 'LATE FEE ' WITH MY REPRESENTATIVE ( XXXX ) AT MY BRANCH IN XXXX XXXX NY , WHO SAID SHE WOULD CALL 'THEM ; ' ON MY BEHALF ; SHE THEN CALLED ME, AND SAID TO CALL 'THEM, ' AND 'THEY ' WOULD REMOVE THE {$39.00} 'LATE FEE ; ' AS A RESULT OF MY CALLING THE 'CUSTOMER SERVICE NUMBER, ' I WAS TOLD 'WE DO N'T REMOVE LATE FEES ; I SUBSEQUENTLY CALLED THE VIRGINIA CORPORATE 'CUSTOMER SERVICE ' NUMBER, AND SPOKE TO AN 'XXXX ; ' AGAIN, SHE REFUSED TO REMOVE THE 'LATE FEE, ' BUT INSTEAD 'GRACIOUSLY ' DEDUCTED ' {$39.00} ' FROM MY SUBSEQUENT BALANCE ; IN OTHER WORDS, THIS BANK REFUSES TO ACKNOWLEDGE THEIR MISTAKEN LATE FEE CHARGED BECAUSE OF A LOUSY ' {$3.00} SHORT ' PAYMENT ; WHICH COULD EASILY HAVE BEEN ADDED TO MY NEXT BALANCE ; TO BE CHARGED A 'LATE FEE ' DESPITE MY '5 DAY BEFORE DUE ' PAYMENT IS PATENTLY ILLEGAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Company will not provide proof of debt. Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit on that date. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond. 

They responded to my first complaint saying they had no clue who i am and at the same time responding to a BBB complaint that they know who i am and they just have n't received the letters. A lot of deceptive practices from this company. 

( We have located an account in our system that matches by her name and phone number on her complaint. From the BBB ) I  have sent letter to these addresses listed on your website and my credit report Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Operations Center XXXX XXXX XXXX XXXX XXXX, TN XXXX I am even going to provide the account number listed on my credit report

Company response to consumer: Closed with explanation