vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 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: WI

Complaint narrative:
I contacted XXXX in XXXX as there were inquiries or my report that I did not authorize when I was buying a car. Earlier in XX/XX/2018 I called with a few from a previous purchase and they were removed with no issues. In XX/XX/2018 when I was purchasing a car I told the dealership not to run my credit in any other bank other than the one my husband was already approved for and that I would only be a co-signer for to get him a better rate. They didnt listen and that why I ended up contacting XXXX. I was criticized by their employees when I called on XX/XX/XXXX that it doesnt affect my credit score. I explained to them that Im not worried about it affecting my credit score and that I didnt want it in my report as I never asked for credit from those places and that it remained on my report for 2 years. I asked them why these items were not removed when I filed the disputed in XXXX but was told that I had to write letters to those companies that I never had dealings with and provide personal information such as name adresss date of birth and social security number and hope that I dont become a victim of identity fraud. They had 30 days from the day I filed in XXXX to verify or delete these inquiries. They didnt do neither and they are still on my report. XX/XX/XXXX inquiries on my report are still not supposed to be on there. I want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
Company has pulled personal data and has contacted me at my place of business. I was told that it was left as a " contact number '' which is an untrue statement, I hadn't been working here when this account was active. My company has now started questioning my financial responsibility to handle receiving payments on customers accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: AL

Complaint narrative:
I have disputed the late payments accounts for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: FL

Complaint narrative:
The account was closed paid and XXXX  balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.

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 2019-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The account was closed paid and XXXX balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account was closed paid and o balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.

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 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I reached out to DIVERSIFIED CONSULTNTS because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened new credit card account with American Express on/about XX/XX/19 after seeing they were offering an introductory rate of 0 % for balance transfers made within the first 60 days of account opening. Via a telephone conversation the AMEX representative indicated the approved credit limit would be {$1000.00}. I informed the representative that I was displeased with the low amount and required a higher limit in order to do the balance transfer I had in mind. The representative informed me that this {$1000.00} limit was simply the introductory limit approved for all new accounts and that I could request a credit limit increase as soon as I receive my card in the mail. Today ( XX/XX/19 ) I have submitted several requests and spoken to a number of individuals within the Customer Service and New Accounts departments at AMEX. All representatives are indicating AMEX has a policy of not approving credit limit increases within the first 60 days of a new account. Thus, negating the 0 % balance transfer offer and my entire purpose of opening an account with American Express. I feel they were deceptive with their policies and specifically with this promotional offer in order to gain me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My wife and I were making a deposit into our joint checking out at the XXXX, CT Citibank branch on XX/XX/XXXX and were told about a promotional savings account ( 2.15 % for 90 days ). We decided to open the savings account to take advantage of the offer. We received interest on XX/XX/XXXX and XX/XX/XXXX. The interest in XXXX was calculated using 0.4 % interest rate which is obviously much less than the promotional offer. In addition, when trying to call Citibank NA ( XXXX number ) I was told that my wife was the only person on the account ( account was set up incorrectly instead of a joint account with my wife ) however I have full access under my existing user name to make deposits, withdrawals, etc ( big security issue ). Furthermore, the customer service manager said we had to contact or visit the branch to fix these issues resulting in additional time and hassle that we shouldn't have to incur.

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 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been a credit card customer with Citibank with an ontime payment history for 35 years. I lost my card while traveling internationally on XX/XX/XXXX. I immediately reported the loss on XX/XX/XXXX and confirmed with a second phone call on XX/XX/XXXX. A payment on my account was due on XX/XX/XXXX, which I made by phone in the amount of {$450.00}, which was acknowledged by Citibank with a reference number of XXXX. On XX/XX/XXXX, I received an email from Citibank with the subject of " You Missed Your Payment Due Date ''. A late fee of {$25.00} was charged to my account, along with interest on the full balance of the account. Bank records showed my payment cleared my checking account on XX/XX/XXXX, and Citibank was in receipt of those funds. I spoke with Citibank immediately on XX/XX/XXXX regarding the missed payment notice, and again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. According to Citibank, since the lost card was closed and another one opened, they are having difficulty applying the payment to my account, even though they acknowledge that Citibank has received my ontime payment. Apparently, phone representatives can not see the payment, but supervisors can see it with some additional investigation. I have been told repeatedly that my account will be credited and will not be listed as past due, but the payment still has not been credited, and my account is now listed as 15 days past due.

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 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I just received a statement from XXXX XXXX and it shows Navient Solutions disbursed 2 loans in the same months, one for XXXX and one for XXXX. These are disbursements were never paid and if they were it was fraudulent. I did not receive excess funds, nor have I ever went to a college that charged that much for tuition period. I was taking, at the most 3 to 4, 3 credit classes at about est. {$200.00} a  credit. At the most it should have XXXX $ a term, never did i apply for full year loans. I do not owe this money and the loan companies are doing nothing. I do have legitimate loans and have been making payment, only to see my balance increasing every month. I understand that is my responsibility, but the 2 amounts placed on my account by Navient are fraudulent and theft. Either intentional on their part or a form of predatory lending, as I was never notified of this cost/disbursement. I would like proof to which university was paid, for what they were paying. I am either owed additional course work for free or these to 2 amounts removed or updated to reflect the ACCURATE amount. If you look at ALL the past loans i have receive you will see the major discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: Receivables Management Corporation
State: SC

Complaint narrative:
I reached out to RECEIVABLES MANAGEMENT C because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
Monthly ( through my mortgage payment ), I pay into an escrow account that is allotted for property taxes and homeowner 's insurance. By law, XXXX ( Alabama Housing Finance Authority ) is required to pay those items ON TIME from the escrow account. 

My annual homeowner 's insurance was due XX/XX/19 ( {$980.00} ). The bill was mailed to XXXX   XX/XX/19. I received a letter from XXXX dated XX/XX/19 that my insurance was expiring and if I didn't send them a new policy showing coverage, that they would purchase expensive insurance for me. 

I checked my mortgage statement, and it shows that there is indeed money in the escrow account to pay for my annual insurance. Why it hasn't been paid, I'm not sure, but this seems to be an ongoing issue with this company based on other complaints I have read. They charge a late fee if a mortgage payment is late - So they should be charged a late fee as well for not paying the insurance on time. 

Please enforce the law and hold this company accountable for its negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Informed company over the course of the last year that this debt does not belong to me. They keep sending me paperwork of statements that have my name on it but the account with the original creditor was closed due to identity theft. This account is not mine and they have failed to respond to my contact attempts to remove the debt from all of my credit reports. They also failed to provide adequate documentation that the account was opened by me, with my genuine signatures or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: SCA Collections, Inc.
State: SC

Complaint narrative:
I reached out to SCA COLLECTIONS INC because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.

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 2019-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The vehicle was taken from me and auctioned. I tried to negotiate retention of the vehicle but was denied reestablishment. Later on the account was closed and still reflected a balance owed when it should reflect a balance of XXXX dollars amount. I should not be paying for a vehicle that no longer is in my possession that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: OH

Complaint narrative:
I just recently received a copy of my credit report. I have filed a Identity theft report. I was XXXX for 5 years. I noticed multiple accounts that were opened while i was in XXXX. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony Bank has reported to the credit bureaus erroneous missed payments and payment amounts prior to contacting me. In fact, they have ruined my credit by submitting late payments multiple time during each month, whereby I have received notification from XXXX  and XXXX XXXX, that a late or non payment has been reported. They have done this in access of over 6 months. Additionally, due to this false and erroneous information, they have caused my line of credit to decrease from other creditors where my payment history is flawless. SB also have tacked on a ridiculous, and I am sure unlawful, interest amount. When I purchased furniture from XXXX XXXX for my new home, I took out a line of credit which was only {$1000.00}. I paid cash at the same time. I have been paying on this line of credit since 2017 and the total balance they are now trying to collect from me is {$1800.00}. Also, they are sending threatening letters to me and saying they have tried to contact me. I have received NO calls from this creditor. Second, SB reported to the bureaus I was late and thereafter sent me notification 2 months the later- after they ruined my credit and they continue to do so each month. At this point, because they have violated FCRA rules I am NOT submitting any payments to them. Each month they report 2 late payments. For example, on my XXXX  report it shows, non payment for XX/XX/XXXX and then they reported it again on XX/XX/XXXX. SB did this for about 3 months before I was even aware they were reporting this false information. They have been reporting this information like I said earlier without my knowledge or communicating to me first.

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 2019-02-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery
State: IL

Complaint narrative:
I received a notification of a possible offset last year around XXXX from the United States Department of Education. I immediately contacted Immediate Credit Recovery to setup the payment plan. I called the United States Department of Education again to confirm there would NOT be an offset on my taxes. The representative indeed confirmed since there was a payment plan setup that I would be just fine and there would not be an offset. I made my first payment of {$25.00} on XX/XX/XXXX via checking account and it has been coming out consistently and on time every 2 weeks. I happen to call the Treasury Offset line on XX/XX/XXXX to see if anyone requested my refund and guess what! The United States Department of Education requested my refund. I called them and waited over 2 hours and spoke with XXXX. He agreed that Immediate Credit Recovery indeed messed up with the payment plan by starting, stopping and restarting again. A while back they also submitted a wage garnishment for me when I NEVER received the notification because they had the incorrect address. 

I called Immediate Credit Recovery today and spoke with XXXX XXXX who agreed they made a mistake, but she did not seem knowledgeable enough to assist with my issue. I requested a manager by the name of XXXX XXXX ( garnishment manager ) and she assured me she would send " up '' a complaint to the compliance division and then they would forward it to the Department of Education. She stated there is no exact time frame they could give. I am frustrated!

Company response to consumer: Closed with explanation