vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
My top secret security clearance was cancelled due to information my company received from American Express regarding charges on my company credit card. I have asked for signed charge slips for all charges, especially the obvioius fraud to XXXX for over {$16000.00}. I plan to file a police report. In the past I have asked for explanation for these charges but have never received them. I am hoping CFPB can help me clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid this debt in XX/XX/2018 and was sent a paid in full letter by their 3rd party collection agency. I followed their protocol and waited the time period for the debt to be updated to all 3 credit bureaus as paid, however, it is still being reflect on credit as unpaid. I have sent numerous fax, made countless calls, and sent a certified letter to XXXX XXXX and Experian with the proof of the paid in full letter. I have disputed this debt several times with the credit bureaus and provided the paid in full letter as proof.

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 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX claims I owe XXXX to XXXX XXXX XXXX, the policy was canceled on XX/XX/XXXX. Prior to this, I spoke with a XXXX in billing, he was explained that a prior payment made by myself was returned and asked if I would have time to make replacement payment before policy cancels. He stated clearly I would have opportunity to make said payment before cancellation occurs, which I did not .... The policy then canceled shortly after on XX/XX/XXXX. Payment was mailed around this time in form of a XXXX XXXX money order, the payment receipt portion was discarded unfortunately. Lately, I've been receiving a number of calls from CCS ( XXXX XXXX XXXX ), reps were advised payment was sent and still attempt to collect on debt and or refer me to XXXX XXXX. I will not make another payment ... If original was lost in the mail, misplaced by XXXX XXXX or intercepted by wrong party then that is not my fault. XXXX XXXX rep did state I could make payment before cancellation, this could have been avoided, had that rep not lied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: OR

Complaint narrative:
I was assessed 2 fees by my bank, the first on XXXX XXXX for {$170.00}, and the second on XX/XX/XXXX for {$35.00}. I feel these fees were unfairly applied to my account. Upon examining the Federal Reserve regulations with my Attorney, we came across regulation ( 230.4 ( b ) ( 4 ) ), which governs how a bank applies fees. and it states, " An institution must specify the categories of transactions for which an overdraft fee may be imposed. For example, it is sufficient to state that the fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. It also states " However, it is insufficient to state that a fee applies for overdraft items. upon looking at my account these two fees were labeled as followed : XX/XX/2018 FEE {$170.00} UNCATEGORIZED XX/XX/2018 FEE {$35.00} UNCATEGORIZED I feel that this is a violation of the above regulation. 
I tried to contact the bank when this happened and I was hung up on.

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 2018-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
Since XX/XX/2017 the company the company SMITH Roucon & Associates have been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company n several occasions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documetns. Also the creditor has billed MEDICARE and have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My name is XXXX XXXX. These are the companies on my credit report that are not reporting the correct information on my credit report. Capital one, XXXX XXXX, XXXX, XXXX XXXX XXXX. They seem to add interest to my balance and late fees without hesitation, but non of these merchants does not report changes on account promptly to the 3 major credit bureau, Therefore making my information on my credit report look inconsistent. I have made payments to these merchants, but they are not reporting information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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 noticed an inquiry by XXXX XXXX XXXX XXXX XXXX on my experian credit report. I contacted XXXX   and asked why an inquiry was made into my credit report. They said they had no record of any application or other request that was made. XXXX sent a letter statting they had requested the inquiry be removed but experian has not updated the information they requested.

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 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
On or about XX/XX/18, I filed a dispute with Discover Credit Card for a charge of {$3800.00} that XXXX charged to my Discover credit card ; because of damaged and delayed -delivery of merchandise. I was unsuccessful in my attempts to obtain a clear status on shipment of the merchandise.The merchant would not return my calls, or E-mails, and I initiated all contact, and written communication. Therefore, when I finally received the merchandise in multiple shipments, I made arrangement with XXXX and refused delivery and returned damaged and delayed merchandise through XXXX XXXX. 

On XX/XX/18, I received an E-mail letter from Discover regarding my dispute with XXXX : '' We're happy to inform you that XXXX XXXX, XXXX, issued a credit on your Discover card account for the transaction you asked us to investigate. This credit will appear on your next statement. '' Meanwhile, on XX/XX/18, Discover advised me : " We've completed our initial investigation of your disputed transaction and have found in your favor. '' The disputed amount mentioned in this letter is {$3800.00}. 

To my surprise, on XX/XX/18, I received another letter from Discover stating merchant credited my account for {$2000.00}. This amount is short {$1700.00}. Also, Discover, lowered my credit limit, causing an over-the-limit status that they will report to the credit bureaus. This is destroying my credit, and the merchant has my money and the returned merchandise. Discover stated that they have finished their final review. 

I am requesting Discover restore my credit limit to {$7000.00} and continue to pursue the merchant for the remainder of my refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 In which I have repeatedly stated that bankruptcy info listed in my credit report is inaccurate, I've also requested that Equifax provide all documents that Equifax is required under 15 USC 1681g to have hard copies of on file. If Equifax does not have the required documentation, Equifax is required under FCRA 1681i to delete the report. I've also cited FCRA 623 ( a ) ( 5 ) which states if Equifax can not validate the information it must be removed. I've also cited FCRA 609 ( a ) ( 1 ) ( a ) with requires Equifax to verify information through physical verification, each time Equifax has denied my request to provide physical documentation, and has instead cited XXXX as the source of their alleged validation, which is completely in violation of FCRA 623 ( a ) ( 5 ). I've also cited XXXX XXXX XXXX. XXXX, XXXX XXXX , Et Al., v. Equifax, where Equifax has violated the FCRA. On my credit report from Experian it shows someone used my last name, a different address and variation of my SS #, this is obviously why a bankruptcy is showing up on my credit report, which could be easily done by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: LoanCare, LLC
State: FL

Complaint narrative:
My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court proceedings ), to ATTAIN A " JOINT '' XXXX   XXXX REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork. 

I have contacted the company XXXX XXXX in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted XXXX to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was XXXX years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a XXXX year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?

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 2018-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a summons that states I am being sued for an old credit card debt that the original company sold, and which I am unable to pay. 

I am XXXX, and my sole source of income is judgment-proof XXXX and Social Security. My XXXX is permanent, and there is no foreseeable change in my financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
The company XXXX XXXX XXXX has been calling our home telephone number repeatedly to collect a debt that is not owed by us. We have asked them to remove our number from their list and stop calling us, but they refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: FL

Complaint narrative:
I consolidated my student loans with Navient XXXX and I was on a Pay as you Earn repayment plan. There was some issues with my taxes and my wife 's income increased for a short period and was then gone. I had to recertify and went through process and tried to explain that I no longer have the income reflecting. I recently had a number of my loans forgiven due to issues with the XXXX XXXX XXXX and think it has something to do with it. Navient deined my request for an adjustment and have sent me a number different reasons with little to foundation. I am unable to pay these loans and will soon be in default. One of the denial letters states that my loans were opened in 1993 when I was just XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XXXX XXXX XXXX has been placing monthly phone calls to my home about a balance due on a flexible spending credit card that was fraudulently opened in my name since XXXX of XXXX.The balance of the account was in the amount of $ XXXX.They have never sent a bill to my home, thus I assumed the calls were phishing calls.XXXX has now turned the account over to a debt collector and has reported the debt to the credit reporting companies. I called XXXX on XX/XX/2018 and wrote them in the mail on XX/XX/2018 to ask them to send me written confirmation that I am not responsible for charges on this account and to take steps to remove information about this account from my credit files.I sent them an Identity Theft Report and proof of my identity. During my phone conversation with XXXX XXXX I was told that they could not give me any information about the account because the account was turned over to XXXX XXXX XXXX. They connected me with XXXX XXXX XXXX and the person I spoke with said that any information I gave them would be used to attempt to collect the amount past due.I told them that I did not open or authorize this account. I also told them that my credit reports listed a fraudulent prior address. I have not yet heard back from them about 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 2018-08-20 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 checked my credit report from XXXX, XXXX and XXXX. I have also submitted disputes with each XXXX but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within XXXX days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.

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 2018-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had two credit cards with Bank of America that were closed simultaneously on XX/XX/XXXX. Both cards have balances. One card had a {$12000.00} limit and was opened in XXXX and the other was open in XXXX with a {$5500.00} limit. Neither card has ever had a late payment. I have no late limits on my credit file for any of my accounts. My credit score has dropped significantly due to these closures. I was notified via mail that they opted to close my accounts because my total credit utilization is high. I have never been late on any accounts and do not feel my account closure is justified as my credit utilization has only incrementally changed over the course of me having my Bank of America credit cards. My score has now dropped close to 50 points as the card opened in XXXX was one of my oldest cards, changing my length of credit history as well as my credit utilization!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today, XX/XX/XXXX I was denied an appointment to sell XXXX XXXX products because they were unable to obtain a report from Experian. An insurance must have carrier appointments and I need to allow companies access to my credit report. 

I was informed there was a VOLUNTARY CREDIT FREEZE from XX/XX/XXXX on my report from Experian. I followed the link to remove the freeze and filled out the required information. At the end of the form I was required to submit payment to remove the freeze which I did. My credit card was charged but the freeze was not removed. 

I attempted to call the customer service line to inquiry what further actions could be taken. It was automated and there was no option for my particular question so the system hung up on me. 

There is no information on the customer service website that allows access to a representative but I was able to XXXX search and find a contact number. The representative asked questions and put me on twice. It appeared the problem was about to be solved but then after another hold I was informed that there was a " problem ''. I asked what the problem was and was told it could be a number of things. The only remedy is to start over with a new pin number that will take 7 - 10 days to arrive by mail. At that time I can try again. I have no choice except to wait and hope for a better outcome next time. 

I have answered the questions asked and paid the required fee. This situation is preventing me from working with any new companies. How can I correct this?

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 2018-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MLD MORTGAGE INC
State: NY

Complaint narrative:
MLD MORTGAGE, NJ ... " XXXX XXXX XXXX  '' In XX/XX/2018 I engaged in the mortgage process for a home we have been living in. Everything went well then, of course. Credit, income, employment, etc ... Was approved in its entirety. XX/XX/XXXX I received a commitment letter and email stating that I was fully approved. The company between the commitment letter I received and XXXX had a " walk out '' that included several higher up employees, due to mal-practice if you will. I was told not to worry my loan would be handled accordingly. So I stayed with them, trusting I would be sitting at the closing table soon. Come XX/XX/2018 I received an email stating they are sorry but my loan had been denied. How could it be denied if there was commitment and full approval. They proceed to explain that its because even though I have been XXXX XXXX for XXXX ', my recent switch to XXXX XXXX XXXX XXXX was part of the reason. Also my income ... Even though after expense I have more than doubled my income from prior years. My credit score went up since I applied for said mortgage. They declined me on false reasoning and was told it would be placed on the uppers deck for further inside investigation. Well now I'm here. And I will tell you all to steer far clear of this mortgage company.

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 2018-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I was surprised when I was looking over my credit report. I found a late payment for the following date : XX/XX/2018. 
I don't know how this has happened. I feel I have made my payments to you when I got my statements. My only thought is that my statement never actually got to me.

Company response to consumer: Closed with explanation