vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Debt Relief Center
State: CA

Complaint narrative:
I received a letter from Debt Relief Center, XXXX XXXX XXXX, XXXX XXXX, XXXX, Az XXXX stattng I owe an estmated {$27000.00} in credit card debt, they can reduce it to {$13000.00} if I join their program and pay them {$400.00} a month. I do not owed anything close to {$27000.00} in credit card debt. Based on what I have read online, the phone number they give as a contact number - XXXX goes to a call center. I have filed a complaint with the XXXX XXXX XXXX. 
I have never heard of this business. Where they stole my information I donot know, yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: STATE FARM BANK, FSB
State: NJ

Complaint narrative:
Account has been paid off yet still it's reporting as closed instead of paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in XX/XX/XXXX I requested for Equifax to validate and delete 2 negative paid/charged off/inaccurate/discharged/closed account for the U.S Department of ( Account # XXXX. Amount {$25000.00} & XXXX. Amount {$21000.00} both closed ) from my credit report. I have sent my last 4th letter to Equifax on the XX/XX/XXXX. I have not received any copies contacts promissory notes or accounting records in regards to my request. I called Equifax customer service and their rep said they do not have any certified copies proof contacts, promissory notes or accounting records for the debt they claim I owe and display to business and other people through there service portal. XXXX has deleted these accounts from my credit report within the 30 day time frame after not being able to validate or forward me the copies I requested for. My XXXX credit score is XXXX & Equifax credit score is XXXX. This item is negatively impacting my Equifax credit score. I have also been permanently XXXX  since XXXX  and I have reported this to the Department of Education, loan lenders and collection companies. Equifax is involved with illegal business practices and is committing fraud on various levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Did not receive anything on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: AZ

Complaint narrative:
Hi, Its regarding credit card disputed i opened with Citibank Credit Card. I got my car repaired and paid XXXX USD using Citibank Credit Card.

Since, i got this repaired from a local garage shop where I never received any written guarantee nor the car is working what i paid for, i opened up a dispute for that transaction for as " bad service '' to claim back XXXX  USD.

Citibank understood my issue, acknowledged but I have a feeling that they never took it to a next level and rather I was always asked to generate papers and documentation to fight for it and prove that I have had bad experience with the purchase.

The dispute was opened by on XX/XX/2018. They on XX/XX/XXXX, rejected my claim saying that they can't do anything and could not get the amount credited for my disputed charge from the merchant and marked the investigation as Done.

As XXXX USD is a substantial amount for me, so i decided to reach out here to find out if there is possibility of my request of dispute could be worked out. I am claiming back the whole XXXX  USD however I am claiming the amount which I should not have paid for.

When i received my car back, it was working as expected however I can't even take back since I didn't got a real receipt, any written warranty, no bills of the parts installed, and i paid for every minute they spent on the car checkup - this makes me feel not try that anymore.

I am requesting if CFPB could help informing Citibank to help me with this dispute case. I pay my bills on time, i have a good credit, etc. This was just a bad experience for me and seeking for a fair response in this case.

Thank you!!!

D

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 2018-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: OH

Complaint narrative:
We put our loan with Primelending on a biweekly pay in order to pay off our loan faster. While on the phone they told our payment would be processed when received. It has not been. They then sent us supporting paperwork telling us that the half payments would be held and not applied. We called today once we noticed this and they said they hold the payments till they have a full payment. They said that them holding our half payments would make no difference in paying off our loan faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Back in XX/XX/XXXX I requested for Experian to validate and delete 3 negative paid/charged off/inaccurate/discharged/closed account for the U.S Department of ( Account # XXXX. Amount {$0.00}, Account # XXXX. Amount {$25000.00} & XXXX. Amount {$21000.00} all closed ) from my credit report. I have sent my last 4th letter to Experian on the XX/XX/XXXX. I have not received any copies contacts promissory notes or accounting records in regards to my request. I called Experian customer service and their rep said they do not have any certified copies proof contacts, promissory notes or accounting records for the debt they claim I owe and display to business and other people through there service portal. XXXX  has deleted these accounts from my credit report within the 30 day time frame after not being able to validate or forward me the copies I requested for. My XXXX credit score is  XXXX & XXXX credit score is XXXX while my Experian credit score is in the mid XXXX. These items are negatively impacting my Experian credit score. I have also been permanently XXXX since XXXX and I have reported this to the Department of Education, loan lenders and collection companies. Experian is involved with illegal business practices and is committing fraud on various levels.

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 2018-10-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am in the process of obtaining my Borrower-Defense-Against-Repayment Certificate from the Department Of Education ( DOE ) but Navient - the student loan management company ( they assumed Sallie-Mae 's loans ) - is now the subject of a lawsuit for blocking student debt-loan forgiveness ( https : XXXX ). I want an AUDIT of Naviant with then intention of gaining a superior investigative position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with Equifax and thought I had it updated was reversed back to a previous name on my report. I have contacted Equifax, XXXX and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XX/XX/2018, Capital One Credit card company post on my account a purchase which I never purchase with the mount of {$22.00} from the company XXXX.

On XX/XX/2018, I called to report fraud to the Capital One Credit Card company ( I also report online on my Capital One credit card account ) and let them know that I didn't purchase that amount of {$22.00} with XXXX  and asked Capital One Credit card to remove the fraud mount of {$22.00}. The Capital One credit card company told me that Capital One credit card will not removed that amount and I have to pay that amount even I never purchase.

Capital One credit card lock my card and refuse to send me a replacement card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, XXXX and TranUnion more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.

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 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, Experian and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.

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 2018-10-06 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Anything on my credit since the loan Fromm XXXX and the credit card from Wells Fargo is all fraudulent. None of it should be on there.

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 2018-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX though American Education Services loan has a billing disgrepancy and an error reporting. According to the loan statement dated XX/XX/2018. Loan for original balance XXXX total principal satisfied XXXX showing this information on the monthly statement.

When principal is satisfied the loan is paid and no further interest should incur. They are still asking for payments of $ XXXXfor a total XXXX at the time.

Still making payments but this should be a paid off loan if the principal has been satisfied I feel like they are trying to get more money out of me. Please have my account looked over for accuracy. I called but was not given a reasonable explanation as to the billing presentation on the monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX service sent 2 people to my house to clean for 3 hours. They only cleaned the house for 2 hours. I was told by the vendor they would credit me back {$40.00}. Bank of America denies my request for assistance because it was done over the telephone and their VISA vendor does not provide receipts via email or US mail. I'm entitled to my {$40.00}. The vendor appears to know this because they have ceased corresponding with me. I've posted feedback on XXXX and XXXX XXXX XXXX but still nothing. Refund 1 hour of cleaning services not rendered in the amount of {$40.00}. My alarm and door entry records proved when they entered and left. I've told Bank of America this and the Vendor. This is why the Vendor agreed to the refund me but didn't for an unknown reason. Bank of America didn't consider those facts ... only a hardcopy receipt ... makes no sense except to rip me off.

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 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
Received a letter on XX/XX/18 from FBCS , Inc trying to collect on an old debt that is past the statute of limitations in the state of Ohio and is no longer on my credit report. They say that I owe I owe {$1800.00} to XXXX XXXX XXXX and then XXXX XXXX, and now this bottom feeder collector has now bought the old debt. They even gave me the option of paying only {$550.00} to settle the debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/2019 Capital One has been complained about concerning my account. My account is supposed to be blocked from re-occurring charges and I don't have overdraft protection. As of last night my balance was correct, and today they have something on my receipt for pending authorization on a cash deposit, and they have tied up my money for unauthorized re-occurring charges.

The charges are from XXXX XXXX XXXX. I made a one-time payment of XXXX to order Credit Reports. I went in to the their system and changed the payment method to be withdrawn on the XX/XX/XXXX. XXXX  has XXXX charges pending from my checking account. AS for Capital One, I am going to find another bank, because I am tired of them tying up my funds for unauthorized and recurring charges. And I am going to use another credit repair company.XXXX Case ID # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My account should be squared away and the fact that they switched accounts to my old account to make the withdrawal should not affect my future or 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 2018-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I had a deposit made by a cashier 's check into my Wells Fargo account of {$2000.00}. The teller entered the deposit wrong causing me to call and question it. Upon calling, I was told that there was a fraudulent check made out of my account. I had to open a fraudulent case on my account. I later found out that teller entered the cashier 's check wrong and it was not a fraudulent check out of my account nor was the cashiers check fraudulent. So, the person who answered the phone also read the transaction wrong and told me there was fraud on the account. I have been waiting to have access to my money since XX/XX/XXXX. Bank states that a copy of the cashier 's check has to be sent out to me first which I have not received. All of this could have been avoided if the teller would have entered the transaction correctly and if the person answering the phone would have had the proper training and identifying the cashier 's check numbers versus regular check numbers.

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 2018-10-06 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: GA

Complaint narrative:
I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''.

The company never responded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I have a ding on my credit report in regards to a purchase I made with XXXX Synchrony. I paid off the debt and the creditor closed the account as " delinquent ''.

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 2018-10-06 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: MO

Complaint narrative:
I have contacted the company who has been reporting the wrong information along with the credit bureaus .... XXXX and XXXX has removed the item but Equifax has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You

Company response to consumer: Closed with explanation