vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have been denied on two separate occasions from opening a bank account because of information chexsystems has provided to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The chexsystems inaccurately depict me as a risk for fraudulent activities. I believe this is because the discriminatory practices of Chexsystem. I am a consumer in good standing and have never had any type of fraudulent activity in my life and have been in law enforcement for 29 years. Although I am trying to open certificate of deposit ladders at a number of banks and take advantage of higher interest rates this should not label me as a fraudulent risk to banks when they do a credit check on me. The discriminatory practices against chexsytems should be stopped immediately. They have effected me financially by withholding my ability to obtain higher interest rates at banks.

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 2017-11-17 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: CITIBANK, N.A.

Complaint narrative:
My complaint is recording my XXXX XXXX XXXX XXXX account. 

For the past four years I have lived overseas because of my husband 's job. For three of these four years, I have been able to go onto the XXXX 's website to see my account statement and pay my bill. However, this past year XXXX 's updated their website and required users put their account/credit card information into the site as if for the first time. This was a problem because I do n't have a current XXXX 's card - XXXX 's never sent it. The only card I had was expired, which would n't work on the site. I called customer service several times about this and was told that XXXX 's will not send either a credit card or a paper statement to an overseas address. In an attempt to compromise, I asked if I could give them my son 's address in Virginia. He could get the bill and send it to me by email. He never got anything. 

On XXXX XXXX XXXX, I wrote letters to both XXXX 's billing and their credit departments for a solution. XXXX 's reply ( XXXX XXXX XXXX XXXX came in the form of an email saying to go the Document Center online to see a very important letter that could affect my account. Please note that this is in response to a letter saying that I have no access to my account online. 

I contacted a customer service representative on XXXX XXXX XXXX site on XXXX XXXX, again to try and get a result. The response I got today ( XXXX XXXX ) by email categorically stated that XXXX 's will not send a paper statement to an overseas address and suggested that I call the customer service center if I had any further questions. I do not want to do this for two reasons : 1 ) this is not just a long-distance call for me, but a trans-Atlantic call and 2 ) the service center has proved unhelpful in the past. The email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX did contain this month 's statement. When I looked at the address on the bill, it was indeed my son 's address ; however, XXXX XXXX failed to put c/o [ my son 's name ] in the address line. The address simply had our names and our son 's address. I 'm assuming that the post office has returned said mail as not living at this address. That said, I do n't think it 's fair to put the burden on my son for me to get my bill. 

Over the past 6 months or so, I have been paying my bill blindly through my bank hoping that I was at least paying the minimum amount. As we were in the process of moving from XXXX to XXXX, I did n't really have the time to deal with it, which is why it has taken me this long to file a complaint. I do n't want to be issued credit, I just want a bill so I know what I am paying. 

Please note, the account is in my husband 's name but I am an authorised user.

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 2017-11-17 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: CA

Complaint narrative:
I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX reported negative marks 30,60.90,120 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
XXXX XXXX/XXXX XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/20157, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, XXXX XXXX/XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX/XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX/XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX  XXXX XXXX XXXX XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here
State: VA

Complaint narrative:
I XXXX XXXX have an issue with the company Priority buy here pay here located in XXXX on XXXX XXXX. Please help me. They sold me a car in XXXX and after 5 months the cars transmission went out. They kept my car for a week and when I got the car back on XXXX the XX/XX/XXXX, the car started leaking transmission fluid and gave me the same issues before I took it to them. They gave me the car back from them and stated after they assumed to fix the transmission that I needed an oil change. I asked them to do everything they needed to do to fix my car and they did n't. They stated I did n't need the passanger window to roll down in order for them to inspect it. They also stated that " it woulda been more money for them to fix the flickering lights on the inside of the dashboard. They also stated that they were no responsible for the car. Not only did they not fix the transmission, they sold me a lemon. As soon as I purchased the car I was having some electrical issues with it and could never get a hold of anyone to assist me with doing so. Finally once I submitted a notice online on their website they called me back about my issue. I still had to purchase a rental car for a whole week totaling XXXX dollars. I can be reached at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently looked at my credit reports and noticed that Sears/CBNA XXXX reported negative marks Paid, was past due 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 2017-11-17 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: Uber Technologies Inc.
State: CA

Complaint narrative:
I never gave permission to any one to view my credit for any reason I have tried to call company and left messages without return info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am a Co-signer on my granddaughters loan, I am XXXX yrs old, fixed income, & I have paid on this for over 4 yrs., they have raised my monthly payment for no reason over the years, when I have n't missed a payment. They Will Not help me as I have tried many times to talk to them!! Now, I am being threatened by XXXX cause I havent made a payment since XXXX XXXX! I do n't know what to do, they are a terrible company! Ca n't somehow this loan be written off? Its XXXX to pay off. Im very upset, at my age, this is very unfair. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I sent a validation letter out to the company ( paramount recovery systems ) more then 45days ago. They have yet to send me back any and all validation documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: IN

Complaint narrative:
REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.

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 2017-11-17 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: NC

Complaint narrative:
I was looking at different autos for sale. I inquired if one was for sale at XXXX XXXX XXXX XXXX NC. XXXX XXXX I checked my credit score few days later and saw that a hard inquiry had been done to my credit. I called XXXX ford and asked them why they did that without permission. They told me that they had not done any inquiry. Then they proceeded to send me a dozen emails about the truck I asked about. I have contacted every credit agency possible. I have been told that unless XXXX XXXX sends the agencies a letter saying I did n't allow them to do the hard credit inquiry I can not get it off my record. I never authorized this. No one will help me. Now my credit score has dropped 50 points. I do n't understand why I 'm being penalized for this fraudulent activity. I do n't know what to do now.

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 2017-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I wanted to pay down a Bank of America credit card. I have had the card and other accounts for over 15 years. The total amount owed was XXXX. I called ( XX/XX/XXXX ) about settling the debt and they said ok and transferred me to 3 or 4 people. I realized they were closing the account and " settling '' and called back less than 15 minutes later ( XX/XX/XXXX ) and they said it was fine that I did not need to settle and no paperwork had been submitted. I made a {$9000.00} payment the next day. Then I received a letter that the account was closed so I called to am where I could see my remaining balance. The lady said she would send one out. Then yesterday I received a letter that said the credit agencies would receive a bad report on my behalf. I called and after an hour and a phone call back was told there was nothing that could be done. All I wanted to do was pay them the full amount owed. The settled amount was {$8300.00} and they took the {$9000.00} payment I made. I want to give them the remaining {$1300.00} so I wo n't be in financial ruin for the next 10 years. That 's all I wanted to do and they refuse. Please help me. I have a XXXX XXXX XXXX XXXX XXXX and both my wife and I have worked and paid our bills for 20 years.

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 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
ON XX/XX/XXXX, MY CHECKING ACCOUNT WAS DEBITED XXXX BY A MERCHANT NAMED XXXX XXXX XXXX I 'VE NEVER DONE ANY BUSINESS WITH NOR DO I KNOW WHO THIS MERCHANT IS. I DISPUTED THE TRANSACTION WITH MY BANK AND THEY TEMPORARAILY CREDITED ME BACK THE XXXX ONLY TO TAKE THE MONEY BACK ON XX/XX/XXXX ALLEGING THAT THE MERCHANT PROVIDED THEM WITH DOCUMENTATION WHICH IS FALSE AND BOGUS. I 'M EXTREMELY UPSET BY THIS INCIDENT AND I WANT THE MATTER INVESTIGATED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
I cancelled my service with XXXX XXXX XXXX because I was moving, and had my internet, phone services bundled with another company. Payment to XXXX prior to cancellation was through bank drafts. XXXX continued to draft after cancellation. The bank told me the only way to get my money back from the draft was to file a fraud report with them, which I did. The bank repaid the money taken out of my account. 

XXXX continued to try to collect. I wrote a letter after threats from them. XXXX sold the account to some other collection agency, who called constantly to collect, even offering to reduce the amount I owed. Wrote letters to that collection agency. Another company continued to call for a while, each time I explained the circumstances. 

However I see there is a {$50.00} unpaid amount on my credit report from some collection agency. 

Also, the lien from XXXX County was placed in error, and has since been removed. 

I have never lived in XXXX, N.C. Rental property of my father 's, and I had utilities activated in my name for repairs to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX the legal counsel for the alleged owner of my mortgage and note served by US Mail a 'Notice of Default ' on my mortgage. This notice quotes their compliance with the FDCPA and among other things lists five ( 5 ) specific items. Included is the name of the alleged debt/note/mortgage holder and my 'right ' to dispute this within 30 days. 

The true owner and holder in due course of my note and mortgage has been in dispute for over 6 years, and in an effort to establish the facts that would help me to understand 'who ' really has a legal claim against my note/mortgage, I formally responded to the request from the allege lender 's legal counsel, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , SC XXXX. " Notice of Dispute and Demand for Validation of Debt and Proof of Claim, on XX/XX/XXXX. This request was signed for and delivered to the law firm mentioned above within the 30 days allowed to respond. 

As of the filing of this complaint, XXXX XXXX XXXX XXXX XXXX has not responded to my formal dispute/request and has proceeded with the attempt to foreclose on my home. 

In addition, XXXX XXXX XXXX XXXX XXXX has served me with a formal foreclosure, Interrogatories, Production of Documents and Admissions, all of which have been answered in a timely manner by myself. I am representing myself Pro Se as I do not have the resources to defend myself in any other way. 

This law firm is acting upon the direction of OCWEN LOAN SERVICING, LLC and indirectly XXXX XXXX XXXX. They are clearly a licensed 'debt collection ' company here in SC, and should be accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
Every year, FedLoan Servicing requires loan participants to submit an employment certification form. My HR representative completed and signed the form, as she has in the past. I received an email notification from FedLoan Servicing directing me to go to their website to login to receive communication from them. When I logged in, there was a message that they could not certify my employment because I did not include an end date for my employment, The other reason was that my form was not signed. Both reasons are false. 
On the form, the HR representative put a check in the box that I am still employed. The HR representative signed and dated the form. When I called FedLoan Servicing this morning, their representative, who identified herself by a rapidly read number, not a name, told me that the reason the form was denied was that the " XXXX '' on the date was altered and that if any changes are made to information on the form, it must be initialed by the person making the change. I explained to the person that the HR representative only darkened the XXXX in 2017. I also explained that there is nothing on their website that indicates that if a person makes changes to the form that it has to be initialed by the person making the change. If the person who makes changes to a form has to initial the change, why is n't this information listed on the website so loan participants would be aware?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: NH

Complaint narrative:
I got a phone call at my place of employment for a debt that was not mine. I am a XXXX XXXX and the phone call was recorded. Due to the nature of my job I am not to have poor credit. Now it appears to my employer that I do. The caller stated the person with the debt had a date of birth as XX/XX/XXXX. This is clearly not me.

Company response to consumer: Closed with explanation