vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Account previously in dispute, Company failed to resolve. According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.

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 2020-04-15 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: MS

Complaint narrative:
Account previously in dispute, Company failed to resolve. According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I have tried to avoid picking up the phone becouse they call me several times a day one very early between XXXX and XXXX everyday even though I have been patient but its way too much. 
They also call me several times at work and early hours or late evening please stop. 

I would also like to please have them stop calling my parents and harassing them this makes me look bad and should be unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Im very unhappyatthe fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. 

I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. 
The law is very clear on this issue, if it is unverifiable, then it must be deleted. 
Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
American Express National Bank has locked my account and prevented me from accessing my only money to support my family. My unemployment benefits were deposited into my account on XX/XX/2020, my account was locked XX/XX/2020. On XX/XX/2020 I tried contacting the customer service center and for hours every phone call attempt I made to the only customer service number available was disconnected without reaching a representative. I reached out to American Express National Bank on XXXX  along with many other customers about the same issue and we were all told to keep trying to call. I have made several call attempts since then that have only resulted in waiting on hold for hours without reaching a representative. I have currently been on hold with no answer for 2 hours and 8 minutes and it is XXXX on XX/XX/2020. American Express National Bank has stolen my money and refuses to answer their customer service line to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capitol One credit card that is set up for automatic payment for the balance in full. After opening a new primary checking account with XXXX a Capital One representative advised me to denote it as the primary account from which payments would be made ; this was to be marked with a star. 

Despite the change, Capitol One deducted a payment from my old bank account ( XXXX XXXX ). The left the XXXX XXXX in an NSF position. I was charged {$35.00} and received additional notification from XXXX XXXX that the payment was not made. Moreover, my credit worthiness with XXXX XXXX has now been impaired. 

I contacted XXXX by phone, waiting 35 minutes to speak with a representative. The first person with whom I spoke had no idea how to handle the situation, so I asked her to escalate the call. I was then connected with somebody by the name of XXXX, a supervisor ( who later stated there was no person higher than him to whom I might escalate the situation ). 

Having explained the problem to XXXX he said he could not view my account dashboard and was not aware that a primary payment account is denoted by a star. Moreover, he stated that he would not assist me as the situation was solely my fault. XXXX stated that I should have cancelled my auto payment from XXXX XXXX and set up a new auto payment from XXXX. Moreover, he told me my Capitol One account is now is now past-due. Again, this affects my credit rating and also comes with a hefty interest rate attached to the balance that would have been paid in full had Capitol One taken payment from the primary bank account noted on my dashboard. 

Also note, Capitol One deducted payments from my XXXX XXXX account in XXXX and XXXX, but not in XXXX. And they did not deduct payment from my XXXX account in XXXX. 

Prior to this mess I had a credit rating above 800, no late payments and a spotless history with XXXX XXXX, XXXX and Capitol One. Now everything is a mess. 

Making matters worse, XXXX would not assist further and ended the call. This has left me in the position of not knowing how to proceed to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
Heartland ECSI serviced my student loan for XXXX XXXX XXXX XXXX, account XXXX. I refinanced my loan, and following the instructions by the lender, I continued making my payments while my refinance application was being processed. The process completed, and my loan was paid off. In the process, there was also an excess payment of {$80.00}. I have been trying to contact ECSI to get this refunded, and I have been getting the run arounds phone tag. They sure are quick to add any unpaid interest and report to credit bureaus for any late payment, but I can't get a simple refund of {$80.00} that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: WA

Complaint narrative:
Talked to a discover card representative stating that I would like to pay down my account to a level were I can use my credit she said thats a good idea you should when I payed Discover card down under my limit. 

They said they had closed my account and even though I continue to pay them the charges are way beyond the agreed payment amounts Before you know it you owe four times you borrowed They dont call or send you a reminder you just see the harm in your credit Discover card ignored the presidents Trumps decision to stop interest it charged me interest during codvi19 and reported it to credit bureaus false information I once asked why cant I see my fico score the lady said you wont see any until you pay off your credit card I dont know how many times over I will have to pay discover card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: GA

Complaint narrative:
i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. Transunion, XXXX and XXXX continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.

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 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: WA

Complaint narrative:
The month XXXX XXXX and XXXX I have sent checks to Hunter Warfield INC they are not reporting on time or not reporting at all at the same time they are not returning my checks the amounts reported are not equivalent to what I have payed down. 

Also this debt decision was unfair considering that they are two parties involved they have decided to go after me individually when XXXX clearly knows the other parties involved

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 2020-04-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. XXXX, Equifax and XXXX continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. XXXX, XXXX and Experian continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I always try to pay my Goodyear credit card n time. If I am not mistaken my monthly due date is by the XXXX of eaach month by XXXX of that day. Last month i I realized i had to put my paymernt through but I was only 55 minutes late becaus of home issues and the Covid 19 pandemic, so i called in my payment at XX/XX/XXXX only 55 minutes after the cut off time. @ XXXX XXXX..The next day in the morning of the XXXX I called them and the representative said they would honor the XX/XX/XXXX payment as being on time and they wouldany late fees or interest. 
So tongiht on the XXXX of this XX/XX/2020Month i wanted to make my XXXX payment ( even though we are having hardship with funds becuse of the Corona Virus situation ). When I saw My bill I was very upset and to my dismay there were late fees and interest from the previous month on my account statement. The rep said " there would not be any and that they waived them '' .. I find this to be unfair buisness practices by Good year. ( This seems to be an on going problem by this conpany from past history. they never get it right ) .I would like them to adjust and waive all the interest and late fees from XXXX XXXX they lied!!!! ( unfair business practices when I asked for a confirmation # on this agreement they said " They had none but not To worry. '' I guess they took advantage of me

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 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I have a car loan with Consumer Portfolio Services in XXXX, CA. To date, they have not sent customers any notice regarding relief during the pandemic. Ive spoken with a representative on XX/XX/XXXX and again on XX/XX/XXXX. The representative stated that they are waiting on upper management to make a decision. They are offering nothing to help their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: TX

Complaint narrative:
I have a Student Loan that was transferred to XXXX. The last payment was XX/XX/XXXX which was a co-signer release. I never received information in whether this was approved or not. I cant tell if it was applied to my balance. The account had since been closed and charged off. The private loan is still reporting as if the account is open. On my equifax report, it shows my last payment was XX/XX/XXXX. This is incorrect. It has since this date been reporting negative as well as charged off. This is like double jeopardy. This makes no sense. I have requested that the company fix this several times. Because of this, I believe this account should be deleted from my record. This is unfair treatment to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive asked for the original documents and signatures to these accounts to verify thats its mine, and was given nothing. Its been 30 days and they just updated. I want these removed from my credit report or Ill have to move forward. 

Accounts Below. 

Account Name XXXX XXXX  Account Number XXXX Account Type Collection XXXX XXXX  Account Name XXXX Account Number Charge Card Account Type XXXX Account Name XXXX Account Number Utility Account Type

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 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I was a customer of checksmart in XXXX XXXX, ohio and i am outraged at that company i only took out a loan for {$400.00}, And every month there are weird fees that i did not agree to. 
There is something majorly financially wrong with that. 

I was in accidents on my XXXX  job, and i feel they are discriminating against me due to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank was notified a number of times that this debt was a result of identity theft. They have since refused to take action despite efforts by my attorney. They have reported me to a collections agency.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express sent me a later stating the account was wrongfully closed and to call to reopen my account for my Platinum Card. When I called the letter was acknowledged but each time I call I am hung up on transferred to the wrong department. The Financial Review team lied to me, made discriminatory remarks about me being XXXX XXXX, and pretended that the letter does not exist. American Express is clearly attempting to hide something despite the numerous letters it has sent to acknowledge its mistake.

Company response to consumer: Closed with explanation