vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX XXXX XXXX using the number XXXX XXXX XXXX with my secured credit card number as XXXX to resolve. The XXXX XXXX XXXXXXXX refused to correct and listen. I told them that I just found out from Experian report that the XXXX XXXX XXXX gave the APR info and it ruins my credit report. The percentage was 17.29  %. The XXXX XXXX XXXX said no, it was 25.99 %. I told the XXXX XXXX XXXXXXXX that when I requested for a SECURED credit card, he did not mention of the APR. Because if I KNEW it was that high, I would not accept their SECURED credit card and would look else. I did not know it was either 25.99 % according to the XXXX XXXX XXXX  yesterday or 17.29 % according to Experian report. 

Experian gave me a score of XXXX and I was happy with it. But as soon as I let Experian to look at my another bank which is XXXX XXXX XXXX XXXX XXXX to BOOST my credit score by using my phone bill ( XXXX ) as a way to gain points to prove of my ability to pay on time as I did in the past. However, the Experian explored further other than utility bills and use the credit card information and punished me and reduced 10 points off. My credit score is now XXXX. I am not happy! The XXXX XXXX XXXX never told me about the secured credit card with the APR. Honestly, I would not accept it at all! I am now looking for another bank 's SECURED credit card to help my credit record. As soon as I find one that is low on APR, I will shut account with XXXX XXXX XXXX because they ripped me off by charging me every month on maintain fee and never told me about the APR. It is a dirty business. 
I don't know why Experian has to hurt my credit report. It is MY MONEY I PUT INTO my secured credit card! It was {$8000.00}!! If I leave it in a checking account or saving accounting, it wont help with my credit record at all, so that is why I ordered a SECURED credit card, but it backfired!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I ran an XXXX credit report and it showed a hard inquiry from CBNA/THD and stated " When applying for credit or financing or as a result of a collection, a " hard inquiry '' will appear on your Credit Report. '' I have not applied for credit or financing. I don't know what they mean by " as a result of a collection '', but if they are talking about some kind of debt collection there has been none. 
I want this removed from my report and want to know if someone claiming to be me applied for financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have had my mortgage with XXXX  XXXX XXXX  XXXX for 14 years. Six years ago I went thru XXXX XXXX and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With XXXX I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However XXXX has continued to report my loan as closed and refuses to change that status. On Transunion and XXXX they would report it as closed XXXX  balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on XXXX that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely depressed and angry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: ID

Complaint narrative:
I have had my mortgage with XXXX XXXX XXXX XXXX for 14 years. Six years ago I went thru XXXX XXXX  and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With XXXX  I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However XXXX has continued to report my loan as closed and refuses to change that status. On XXXX and XXXX they would report it as closed XXXX balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on Equifax that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely depressed and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputed the account XXXX XXXX XXXX XXXX {$470.00}. This amount is not owed and this account is not valid. XXXX/ XXXX XXXX XXXX has denied me access to any documents required by law to prove the validity of this debt. I have been denied a copy of the bill or contract for this account. I have also been denied any proof of authority to collect by XXXX on behalf any company called XXXX XXXX XXXX. I have filed multiple disputes with Consumer Financial Protection Services requesting these documents and they refuse. The only thing XXXX will provide is a one sheet document that says I owe {$470.00}. It is illegal for a debt collection agency to place a debt on my credit report with out any documentation- I have enclosed a copy of documents XXXX sent to me proving no documents were provided

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Genesis Financial & Payment Systems Holdings, LLC
State: IL

Complaint narrative:
USA Web Cash submitted an unauthorized ACH for additionally fee from my account. The initial loan was {$1800.00} the final payoff was closer to {$3500.00}. Due to a prior request to move a payment, there were additional fee incurred on the account. 

I spoke with XXXX from USA Web Cash and advised that I was unemployed. I stated that I would contact USA Web Cash to schedule the final balance / payoff. XXXX submitted an unauthorized ACH to my account. Additionally, I was advised by XXXX that USA Web Cash agreement stated that they can arbitrarily deduct this amount from bank account without my permission. 

After filing a complaint with the Illinois Attorney General, I was contacted my XXXX ( USA Web Cash ). He offered to pay the fee back {$80.00} and/or to give me another " low interest loan '' to " help me out ''. Again he stated that USA Web Cash has the right to make an unauthorized ACH from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Repeated phone calls ; up to 4 to 5 calls everyday and they will not tell me what this is in reference to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
It is Bank of America again, I forgot to add one more thing from the 2nd dispute I filed recently. It applies to 1st dispute recently, also.

When I called the Bank of America to let them know that I did pay on time and it was the other bank, XXXX XXXX XXXX XXXX XXXX 's fault for not paying them on time. I paid on XX/XX/XXXX. I got to the Dept of Collection. It was my first late ( IF IT WAS MY FAULT, but it was not ). It was my first payment and already they transferred me to Dept. of Collection. That is their behavior to threaten me. I was NOT EVEN late. It was other bank 's fault as I sent you the proof that it was paid on XX/XX/XXXX. However, the Bank of America did not believe me and refused to listen. It is so senseless since it is MY MONEY I PUT INTO a secured credit card. I don't approve their behavior. This would be my first late if I was actually late but they sent me to Dept. of Collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
On XX/XX/2019After multiple phone calls from a collection agency regarding a cell phone bill from XXXX XXXX XXXX I finally was able to ask them to stop calling me and my daughter 's phone and to cease and desist all communications because my boyfriend did not know that I had the phone. On XX/XX/XXXX they called again creating conflict in my home. I called the collection agency to file a complaint but they deny ever calling me a second time I still use service with XXXX XXXX XXXX as far as internet and Wi-Fi so I called and complained to them Nothing has been done to rectify 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 2019-08-02 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: GENTRY FINANCE CORPORATION
State: SD

Complaint narrative:
This company is reporting twice on my credit, starting that I had 2 loans and they are unable to provide proof to me of the second loan ; when I asked to have the credit report fixed they offered to remove the loan that is accurate, to leave the inaccurate loan reporting with a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: NJ

Complaint narrative:
Not enough information to verify a debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation that an alleged debt owed by me in the amount of {$440.00} be verified by XXXX XXXX XXXX. According to the FCRA section 609 ( a ) ( 1 ) ( A ) they are required to verify through the physical verification of an original signed consumer contract but have continually failed to do so. The credit agencies in turn have allowed this account to be verified as accurate without providing the documentation that has been requested or even giving their method of verification which I have requested numerous times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
My complaint is that I recieved an offer to settle a debt from GC Service Limited Partnership, on behalf of XXXX XXXX, but they refuse to communicate or even acknowledge the reciept of negotiation requests from me or my lawyer. I had my lawyer respond to the settlement letter and reach out to both the collection agency and XXXX  on multiple occasions and both agencies refuse to respond. Each time I speak to XXXX about the attempts to negotiate, they claim there is no record, so then we send more letters and my lawyer attempts to contact them both.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX / XX/XX/XXXX / XX/XX/2018 - DAY LATE XX/XX/XXXX XX/XX/2018 - 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an alleged debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of $ XXXX.Verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) through the physical verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I have requested.They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
I have made my car payments on time even after I lost my job. My car payment was my # 1 priority. I had surgery and when I made my Payment I didnt realized I paid the wrong amount. When I noticed I went back to pay the correct amount only to time the system was down and did not allow my payment to go through. I was unable to make a phone payment at the time. Being in the hospital but when I was able to make the Payment they have already reported to the credit bureaus. Now my score went down 154 points and i was denied for the house i was approved for already because of the late Payment. I would have not received a late Payment if the system was not down. I spoke to someone that said they would help me and nothing happened again I called and no one then was willing to help me. I have called several times with no help and I am living in an efficiency with my kids now because I will not be approved for anything right now. I only have 1 late Payment out of 14 months and it wasnt even my negligence. I would have corrected the mishave if they system was working as it should. The rep told me the system is always doing that. But that is not anything I could tell the rental property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My XXXX phone number was ported to another carrier cancelling my telephone number with XXXX on XX/XX/2019. On XX/XX/2019 two {$1000.00} transactions were processed through Tdbank using XXXX  in Td mobile app. It was probably accessed using the phone number that was active on another carrier since I also received email notifications from other institutions I used stating that someone was trying to log in using my old phone number from a different state. Td bank is trying to deny the claim saying that phone transactions were varified using my phone number. I have a document that lists all of the phone information with the carrier XXXX  that says that the phone was canceled from device and sim card on XX/XX/XXXX thefore refuting there claim that transactions were made by my actual phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 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: SD

Complaint narrative:
This company is reporting twice on my credit, starting that I had 2 loans and they are unable to provide proof to me of the second loan ; when I asked to have the credit report fixed they offered to remove the loan that is accurate, to leave the inaccurate loan reporting with a balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX to XX/XX/2019 - 30/60/90/120 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan is calling obsessively. They are even showing up at our house, even after we talk to them and make payment arrangements. They are harassing my husband and I every 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 with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I believe in XX/XX/XXXX I contacted Equifax by phone, twice, in regard to their online website. I tried to register my husband and me, online, with new accounts with Equifax for both of us as we were buying a new lawn mower and I wanted to remove a freeze which I had put on 6-12 months prior. I could not create the online accounts. A screen came up with a number to call. When I called the number I got a rep who spoke with a thick accent. He wanted me to verify that my husband was really my husband. I let him talk to my husband. Then he wanted very specific info from me from 20 years ago. I could not remember the address of where we lived 20 years ago. The Equifax rep told me he could not either release the freeze or help me until I gave him exact information from 20-30 years ago! I told him thank you and hung up. I have tried and tried and tried to create new logon info to the Equifax website and the website always gives me a screen to call : XXXX. When I call that number is it the breach of Equifax reporting number and THEY refer me back to the website! This company is horrid, it has the worse customer service ever and I worked in customer service for years and know what is demanded of a customer service rep. Their chat device online gives bogus info. They should not be in business and definitely should not be handling private info for consumers! If you want to get them to do anything, you must send them very private info, driver 's license copy, social security number, through mail. I will not do that. Are they nuts? Please help me do something about this credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My complaint is that I recieved an offer to settle a debt from XXXX XXXX XXXX XXXX, on behalf of Navient Solutions, but they refuse to communicate or even acknowledge the reciept of negotiation requests from me or my lawyer. I had my lawyer respond to the settlement letter and reach out to both the collection agency and Navient on multiple occasions and both agencies refuse to respond. Each time I speak to Navient about the attempts to negotiate, they claim there is no record, so then we send more letters and my lawyer attempts to contact them both.

Company response to consumer: Closed with explanation