vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ), without my knowledge or consent, transferred a credit card balance to my XXXX savings account and created an Installment Account, i.e., Account # XXXX, under my savings account, without my knowledge or consent. Thereafter, XXXX XXXX XXXX XXXX began sending account information, notices, and loan payment coupons to the wrong mailing address wherein I did not have access to any of the information. 

Per my credit report, XXXX listed the type of account as " Individual/Applicant. '' Per the credit report, the Status of same is : " Closed, Account Closed by Grantor ; Installment. '' I did NOT apply or enter into any Agreement with XXXX to have them transfer anything to my savings account, particularly not a credit card balance. I just recently discovered what XXXX had done when I contacted XXXX to obtain copy of recent statements I was affiliated with. To my surprise, I was told that my savings account had been closed/membership terminated and a loan had been " written off. '' XXXX has refused to allow me access to Online Banking and/or bank statements relative to any of the accounts I am affiliated with at XXXX. According to my credit report, XXXX reported that I had opened an account with them on XXXX/XXXX/XXXX, with the last activity on XXXX/XXXX/XXXX. The information XXXX provided the credit reporting agencies is false and/or inaccurate because I did NOT enter into any Agreement with XXXX relative to a new Installment Loan or any account that opened on XXXX/XXXX/XXXX, nor did I have any knowledge or awareness regarding such account being created by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX listed an account in my credit report that was more than seven years old and paid off. The listing was incorrect, so I called XXXX and was told that XXXX had no information on the account. I sent a letter to both XXXX and to Equifax, explaining the problem and disputing the reporting. XXXX wrote back indicating it had no information on the account and would report accordingly to the credit bureaus. XXXX and XXXX deleted the information but Equifax subsequently re-reported the information as having been 'verified '. I sent and faxed Equifax XXXX letters twice during the month of XX/XX/2017 and Equifax has taken no action. I understand that the law provides there is 30 days to conduct an investigation but when the information has been 'investigated ' in bogus fashion, I wait for the result, and then prove to Equifax that the information is incorrectly reporting, I do not see how or why I am required to wait another 30 days for another meaningless " investigation. '' XXXX and XXXX get it right. Equifax gets it wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Asset Management Group, Inc.
State: CA

Complaint narrative:
I continuously receive harassing calls from a company called XXXX telling me that they have papers they want to serve at my home address within a certain time frame. They also call my mother frequently throughout the day.

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
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
BBVA Compass-I have a car loan thru this horrible company. Today is XXXX and I called to make a payment. I knew I was late and I was prepared to pay a late charge. The representative stated that I had a late charge from XX/XX/XXXX too! In XX/XX/XXXX, I called and made that payment thru a representative. Not once did he/she mention a late fee! No one has called about this late fee. I have not received a letter. Nothing! How can they assess a late fee and never tell you?!?! I refuse to pay a late fee that I was never informed of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
An order was placed with XXXX under my name without authorization. My credit card was declined yet they sent a delivery. I signed no credit arrangement with XXXX XXXX sold the debt to chase receivables. I recieved a bill from them dated XX/XX/XXXX that said I had 30 days to dispute this or it would be reported to credit bureau. I disputed this bill. No verification of debt was sent and they reported to credit bureau in less than the 30 days from the date of the letter. I want this removed from my report and am disputing the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Go Capital Holdings, LLC
State: IL

Complaint narrative:
I reside in XXXX i purchased a used car 7 months ago and was never presented a copy of the contract the loan is threw go financial there operation of business is located in XXXX i calledthem and ask for a copy they sent it in the mail and to my discovery they are charging me 27 % intrest which is a violation of XXXX and XXXX Usury laws it is 18 % over what XXXX laws allowed and 17 % over XXXX laws i also discovered my signature appeared to photo copy and place the the signature line as if i sign it i am very knowledgeable in contract law in meaning i always sign without prejudice UCC 1-308 & UCC 1-103.6 then my signature following with UCC 3-402 ( b ) ( 1 ) that mean the dealer who i made the purchase threw violatedUCC 3-302 THE HOLDER DUE COURSE, because it was not a good faith contract, and the Dodd Frank Act and its a violation of the hobbs act as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: AL

Complaint narrative:
voluntarily turned vehicle in, but I am still being harassed by AHF (American Honda Financial)

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
XXXX has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last five years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I made a purchase from XXXX ( " XXXX '' ) on or about XX/XX/2016 and used XXXX credit cards to pay for this purchase -- Amex and XXXX Master Card. XXXX failed to deliver the merchandise in the condition promised and I refused to accept delivery. I disputed the charge with both, Amex and XXXX Master Card. After a lengthy investigation, XXXX resolved the dispute in my favor and issued a permanent credit. Even after XXXX has accepted return of the merchandise, Amex continues to refuse to resolve the dispute in my favor and issue a permanent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
An annual fee was posted to my Delta American Express card that I had stopped using ( so I was n't expecting new charges ). I received an email about the annual fee XX/XX/2017 and called the card company to waive the fee and close the card. I was informed that the fee was posted XX/XX/2017 and that since 31 days had elapsed no one could waive the fee since the policy was recently changed to 30 days for fee waiver. 
Now, this is unfair for two reasons. 1 ) This was not the policy when I signed up. When I signed up, you could close the card at any time and be refunded a pro-rated amount of the fee. 2 ) Fees are posted in XX/XX/XXXX -- - a 31-day month. 
The system is set-up for failure and to hurt the consumer. I called at the exactly 1-month interval. I have spoken to all levels of customer service, account management, and member retention. 

Please help me resolve this issue. I have been a customer with American Express for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I filed a billing dispute with American Express for XXXX fraudulent charges on my American Express Charge cards. The dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX, the second dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX. XXXX committed fraud against me for over {$12000.00}. I submitted documentation and evidence that XXXX had committed Fraud, and breached the contract that I had entered into with them. XXXX had failed to deliver on the products promised. American Express failed to give me reasoning as to why they would not dispute the charges with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC
State: VA

Complaint narrative:
I had an outstanding account with XXXX. Zenco Collections is the company that is harassing me. Threatening me, suing tactics ect. I have already settled the on the account. I made three installments. I, {$200.00}, 2, {$400.00}. Still have n't received my letter of release.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX so, I downloaded the XXXX ( XXXX ) in my XXXX. Then made a call to XXXX to understand the process. They told me to add XXXX as payee in my bank checking account and paid the money I wanted to transfer into the XXXX. So, I paid {$620.00} from my Capital one 360 checking account to XXXX and XXXX received {$620.00} from checking account on XXXX/XXXX/2016. 
Now I have received an Affidavit from Capital one 360 Bank ( Please see attached ) for me to sign and have it notarized which does not reflect the true account of the matter in question. Bank is still insisting that I authorized the creation of a certain check numbered XXXX dated XXXX XXXX, in the sum of {$620.00} which contrary to the fact. As a matter of fact, XXXX was added to my internet banking as a Payee and I was neither explained or notified by the bank personnel that they will be sending out a check instead of electronically remitting the amount to the Payee. 
I do not understand why bank is misrepresenting the entire matter to a consumer and CFPB. 
Bank needs to be held accountable for dragging this matter for five months and going.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I contacted XXXX XXXX with XXXX debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX closed their business in XX/XX/XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XX/XX/XXXX and XX/XX/XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XX/XX/XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, XXXX XXXX took over the account and claimed that I owed XXXX dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed GE Money bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with XXXX XXXX or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XX/XX/XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I had a brief hospital stay at XXXX XXXX. As I was leaving the hospital, I paid my " anticipated charges '' in the amount of about {$400.00}. My balance ended up being around {$600.00} total and was paid the following month after I was sent a bill by XXXX XXXX. That month I was also contacted by Evergreen Professional Recovery stating that I owed money to them for services rendered by XXXX XXXX. These bills had already been paid and I spoke with XXXX XXXX and got everything cleared up and eventually switch insurance providers. 

Earlier this month ( nearly five years after paying this bill ) I received a phone call from XXXX at Evergreen Professional Recovery on XX/XX/XXXX and again on XX/XX/XXXX stating that they are trying to collect on this debt. They have not been able to provide me with any paperwork. XXXX suggested on XX/XX/XXXX that I call XXXX XXXX to clear up this issue. I called XXXX XXXX XX/XX/XXXX and was informed that I had no balance on my former account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I contacted experian in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for XXXX procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.

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 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I went to XXXX to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " regret '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Filed first dispute online with Experian XXXX/XXXX/XXXX. The information was n't corrected so I mailed a 2nd dispute via USPS Certified Mail XXXX/XXXX/XXXX. I received a response but the information is still incorrect, in fact it 's worse than before I filed XXXX disputes. I have tried to call Experian numerous times but I 'm put on hold to wait for the next available representative and can never get through, even after 45 minutes hold time. The information I need corrected is as follows and should be fairly simple and straight forward to correct ( I had to file a dispute with XXXX to correct the same info and they corrected it immediately so I do n't understand why Experian has n't been able to do the same ). I filed Chapter XXXX Bankruptcy in XXXX XXXX and the bankruptcy was discharged in XXXX XXXX. My monthly mortgage payments were made to my XXXX XXXX XXXX XXXX account via the Bankruptcy court, so no negative payments should be showing during that period. My XXXX XXXX XXXX XXXX account should now show open with all payments current post-bankruptcy discharge and the Status should show " going to a positive status in XXXX XXXX '' NOT XXXX XXXX as it is currently showing. I am trying to rebuild my credit and it does n't help when I am denied new credit due to incorrect credit reporting by Experian. I am also looking for new employment and several companies I have inquired with state that they will be requiring background and credit checks so I am potentially being denied employment because of this negative and incorrect reporting by Experian. I have followed all of the steps required to request that Experian correct my report without a satisfactory resolution. Please assist! If you need any further information from me including copies of my original disputes, certified mail receipts, etc.. please let me know and I will forward them immediately. Thank you

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 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX account # XXXXdoes not belong to me. I have no knowledge about thisaccount. I have requested a validation of alledged debtsXXXX times over the US mail for the last XXXX monthsdirectly to collector as well as I 've placed several disputes with Experian credit bureau. Never been responded by both oof them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX Mn XXXX XXXX / Dob XX/XX/XXXX REPORT # XXXX EXPERIAN CC Consumer Financial Protection Bureau I 'm exercising my rights to requesXXXX XXXX XXXX t verifiable proof of negitive events you have listed in my credit file The XXXX Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
XXXX XXXX LATE PAYMENTS and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the XXXX disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you 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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My complain is with Transunion on why they allowed this company to do a hard inquiry on my credit report. I have tried to contact the with the company information that was on my credit but got a recording telling me to leave a message with XXXX XXXX but know response. I also follow up with certified letter on XX/XX/2015 requesting this company to contact Transunion to remove the hard inquired. I have not requested a loan, mortgage, or anything other credit transactions with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation