vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing this email to complain a misleading and discriminatory business practice by Capital One.I am in the process of getting a new credit card from Capital One ( https : //applynow.capitalone.com/? XXXX & XXXX ). 

At the first part of the card application, customers like me are required to indicate their citizenship status. To fill out my 2nd citizenship, XXXX ( where I originally came from ) is erroneously labelled as " XXXX, XXXX of XXXX. '' XXXX is neither a part of XXXX nor a province of XXXX. This is against U.S. policy about XXXX 's status. Capital One is violating the U.S. laws ; at the same time, forcing its customers to violate the laws. 

Because it is a pull-down menu, I will be forced to fill out erroneous information about citizens. I am coerced and under virtual duress to provide and confirm this erroneous information about my dual citizenship if I want to get a card from Capital One after completing the application. By doing this, Capital One is also discriminatory against customers from XXXX. XXXX applicants are forced to accept ( and under perjury with legal consequences ) if they select " XXXX, XXXX of XXXX. '' The information is also not true, thus they commit perjury as a result. This type of discriminatory business practice is equivalent to forcing XXXX citizens to select " XXXX '', XXXX applicants to select " XXXX '' or " XXXX '' in the same applications. 

I am writing this email to complain this illegal and discriminatory business practices that Capital One has done and request immediate changes to put XXXX as " XXXX '' only. 

Thanks for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express offered me a discounted amount to clear the debt from my credit report. I paid the amount by the deadline of the offer, but it is still showing on my credit. It has been now 40 days since the account was settled. I call every day and ask that this be removed as I can not close on a home loan until it is removed from my credit. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax refuse to remove an unauthorized hard inquiry that was pulled by XXXX XXXX on XXXX XXXX, i was told by an Equifax respresentive in order for them to remove this inquiry i will need supporting documents, XXXX XXXX has contacted Equifax to remove this inquiry and i am submitting supporting documentations supporting the removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 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: TX

Complaint narrative:
I contacted your company regarding XXXX XXXX being reported on my credit file. yet it still remains. Please Remove this account in the amount of XXXX immediately. I have attached documents from XXXX stating that it should be removed.

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
On XX/XX/2018 I received a notification through a 3rd party consumer reporting monitoring service a collection account in the amount of {$190.00} was opened on XX/XX/2018 by and through XXXX XXXX without any notification of this said date prior to damaging my credit file. My credit score was decreased 89 points  by this unknown creditor back dating an alleged debt 9 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was scammed by an online seller and SEARS insist I pay for something I received that was not as described. Now because I refuse to pay, SEARS calls me numerous times a day and they hang up on me most of the time when I answer.

Beware of this company, SEARS is harassing me, because they think it's easier to go after a long time loyal client than go after the scammer. I may also have to file a complaint with the FCC over their numerous phone hang ups.

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 2018-08-30 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: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
XXXX ONCE AGAIN IS ALLOWING A TRADELINE REMAIN AFTER NATIONSTAR XXXX RECEIVED DEED AND ALL XXXX TRADELINES ARE GONE. 

DELETE THIS AT ONCE OR BE SUED. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Diversified consultants is claiming I owe them money from XXXX XXXX. I claimed bankruptcy way after I had service with them Saying I owe XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 notice XXXX XXXX balance of {$260.00} stating I owed on my XXXX, XXXX, and XXXX  credit report. I requested documents bearing my signature in a letter I sent to the company.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EXPERIAN ONCE AGAIN IS ALLOWING A TRADELINE REMAIN AFTER XXXX  XXXX RECEIVED DEED AND ALL XXXX TRADELINES ARE GONE. 

DELETE THIS AT ONCE OR BE SUED. SEE 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 non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally Financial Inc. is providing inaccurate billing for the month of XXXX 2018 balance due is {$1800.00} with late charges of {$100.00}. In addition to inaccurate billing each statement is showing a remaining unpaid balance of {$19000.00}. I received a letter dated for XX/XX/2018 from XXXX XXXX, XXXX Customer Relations in reference to a complaint file on XX/XX/2018 through Consumer Financial Protection Bureau for a fraudulent loan. In the correspondence and based on the review on my account, Ally believes they are furnishing accurate and complete information of credit experience with the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
All 3 major credit bureaus are reporting serious errors on my credit file and refuse to fix it and refuse to provide proof that it is valid. 
YOU are reporting an XXXX XXXX XXXX account with current lates on it. I have never been late, it comes out of my check and I have had the same job forever! 
-They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. XXXX XXXX is NOT valid verification. 

I have been trying to reach them for months and called them 32 times! I have sent emails and left messages. They will not ever get back to me. 
They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. You are in violation of the FCRA and I demand you fix this immediately.

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 2018-08-30 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: EQUIFAX, INC.
State: NM

Complaint narrative:
All 3 major credit bureaus are reporting serious errors on my credit file and refuse to fix it and refuse to provide proof that it is valid. 
YOU are reporting an XXXX XXXX XXXX account with current lates on it. I have never been late, it comes out of my check and I have had the same job forever! 
-They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. XXXX XXXX is NOT valid verification. 

I have been trying to reach them for months and called them 32 times! I have sent emails and left messages. They will not ever get back to me. 
They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. You are in violation of the FCRA and I demand you fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
All 3 major credit bureaus are reporting serious errors on my credit file and refuse to fix it and refuse to provide proof that it is valid. 
YOU are reporting an XXXX XXXX XXXX account with current lates on it. I have never been late, it comes out of my check and I have had the same job forever! 
-They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. XXXX XXXX is NOT valid verification. 

I have been trying to reach them for months and called them 32 times! I have sent emails and left messages. They will not ever get back to me. 
They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. You are in violation of the FCRA and I demand you fix this immediately.

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 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been in contact via phone call and asked them to stop calling me, my family, and my coworkers. Despite this, XXXX   XXXX keeps robo-calling as well as contacting me several times a day at inconvenient times and contacting friends, family, and loved ones. When contacting my work, me, or loved ones, they leave threatening messages discussing my debt and telling me to get a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I dont use credit cards and have a 800+ credit score. I decided to get a XXXX XXXX credit card from Citi. In two weeks, the card was compromised. The account was closed down and it also closed out my membership with XXXX. I had to spend hours fixing the XXXX membership issue with new cards, etc. The credit card company failed to send a new card. Then they began calling me incessantly for {$3.00} outstanding on the credit card. This was the result of interest. I explained that the card was compromised and that I repaid the balance. I never received a card so they kept increasing the charges. I spoke with an individual in customer service who closed out the account in XXXX ( at my request ) and when I prompted them to understand if there was an outstanding balance, they advised me there was no balance. Citi then sent me another card and began INCESSANTLY calling me for an outstanding balance. I called Citi one more time and advised them I would not pay {$3.00} for their error for not closing the account properly and they threatened me to charge late payments, etc. I told them this was insane and a hassle because I wanted the account closed. I will not pay this outstanding amount. Citi is calling at least three times a day and its all just automated prompts with massive wait times. This is harassment and it needs to be resolved. AGAIN, I dont use credit cards. I am an adult with excellent credit, long term job stability and significant deposits in the bank. Now, they keep sending me emails. No one thinks in this company. Its downright pathetic.

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 2018-08-30 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates has been repeatedly violating the FCRA by reporting as a " Factoring Company '' on consumer reports when they are in fact a " Debt Buyer. '' On my XXXX   report, pulled on XX/XX/2018, PRA is reporting as a " Factoring Company. '' I first noticed the account type being reported on my report after looking through posts online at XXXX. There are numerous people reporting this same issue. PRA is a predatory company with no regard for the law as there are reports of them removing accounts from others reports but still reporting as a " Factoring Company '' on others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC
State: PA

Complaint narrative:
I received a call in XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX The call was regarding a Medical Bill, of {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. 

In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. 

I spoke with an employee at Harvard Collections after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. 

Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). 

This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). 

Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. 

What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX XXXX XXXX to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
My loan has meet all the requirements for deletion of PMI and Fay Services has give lie after lie for reasons on why they refuse to delete PMI. 

* I have no 30 day late payment in the last 12 months * I have no 60 day late payment in the last 24 months * My LTV is 67 % per letter that i recieved from both Fay servicing and previous servicer * Loan is in good standing * I have requested removal in writing several times ( last time XX/XX/XXXX ) * The home is in compliance with all requirements in the Homeowner Protection Act XX/XX/XXXX All the documents needed are in the file that both XXXX Homes and Fay Servicing have. 
Current outstanding loan balance is {$120000.00} and Tax appraisal is {$240000.00}. ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I had a loan with Mercedes-Benz since XX/XX/XXXX. I never had any late payment. I paid off the loan in XX/XX/XXXX. Somehow Mercedes-Benz put a Repossession on my credit report. I contacted their financial department and told that I have to hire a lawyer to fix this issue. I never pay late and paid off already. I don't know if I should spend money on hiring a lawyer to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CA

Complaint narrative:
I consider this fraud and plan on suing XXXX XXXXXXXX XXXX for fraud and falsification of information if this doesn't get resolved. XXXX XXXXXXXX XXXX keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXXXXXX XXXX keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX -XXXX I AM PROVIDING PROOF with this document that the last missed payment was XX/XX/XXXX. which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document

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 2018-08-30 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I consider this fraud and plan on suing XXXX XXXX Bank for fraud and falsification of information if this doesn't get resolved. XXXX XXXX BANK keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXX bank keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX XXXX I AM PROVIDING PROOF with this document that the last missed payment was XXXX XXXX which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document

Company response to consumer: Closed with explanation