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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I purchased a used vehicle in XXXX. I financed it with XXXX. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and XXXX continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and XXXX doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because XXXX is reporting far beyond the 7 year reporting time.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I purchased a used vehicle in XXXX. I financed it with XXXX. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and XXXX continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and XXXX doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because XXXX is reporting far beyond the 7 year reporting time.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: 1ST IBERIA CREDIT, INC.
State: LA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. I financed it through First Iberia Credit which  is the biggest mistake I have ever made. The price of my car was {$3700.00}. The total amount owed on loan came up to {$8800.00}. 33months at {$260.00} per month. 
I paid faithfully for 17 months. Then I fell on hard times. My car was reposed in XX/XX/XXXX. My refinance total was {$7900.00} TOTALLY RIDICULOUS!! I paid 17 payments of {$260.00} a total of {$4500.00} but my new loan is only {$950.00} different. SERIOUSLY!! These people are crooks and should be investigated as such. I have paid 10 payments on my new loan 10 @ {$210.00} Total of {$2100.00}. When I made my payment in XX/XX/XXXX I was given a written receipt. It showed my balance remaining as {$6000.00}. I came unglued. I have already paid these people a total of {$6700.00} and they say I owe {$6000.00} more. That would mean that I will pay {$12000.00} on a car that sold for {$3700.00}. That is a total of {$8900.00} more than the car. For what?? Interest and anything else this man chooses to add on to your loan. XX/XX/XXXX {$660.00} was added to my loan for what they wrote down as recovery fees. I had no idea. Was not told anything. It wasn't until I went to the office in XX/XX/XXXX and asked for a copy of all of my paperwork. That is when the XXXX hit the fan because I started asking questions and they all started passing the buck. This stuff has to be against the law. They are robbing me blind. I did not make my XX/XX/XXXX payment. I informed the manager that I was filing a complaint and I am not making another payment until I hear from you. This must stop.. 
Thanks

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried logging into my Capital One credit account and it didnt let me so I called the directly and after giving all of my information to them they said they cant tell me but the account has been closed. I asked when was it closed he said he couldnt tell me that I asked about the payments and money that I pay monthly he said he cant talk to me about this account I then asked again why this account that was in perfect standings was closed and he replied that he could no longer talk to me about this account. I have recently paid them as I do monthly as would like a explanation and a refund on the money that I have given this company. It also shows on my credit report that is was closed. My account Once again has always been in perfect standings and all I was trying to do is go on my app and make a payment. Now I have money that Im at a loss as well as a company that wont talk to me at all or give me details after providing my ssn number dob full name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The company, National Credit System has illegally reported and demand debt collection for an amount of debt they have not legally informed or verified with me. I've sent certified debt validation letters on XX/XX/2020 for the company to send specific requested documents within 30 days of the date on the letters. I also advised the company that failure to do so within 30 days or failure to mail all requested documents will legally force them to remove those debts from my credit report at once. The company has failed to respond and has not provided validation as of today XX/XX/2020, which is well over 30 days.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
CROOKED NOT HONORABLE COMPANY!!! LIES, LIES AND LIES. 
I was solicited by XXXX 
I've replied to this company in XXXX of XXXX, and told them that I am open for offers, however, if they are going to do hard credit pull before showing me possible terms, I am not interested. 
The case was closed. 
However about 3 month later Hard credit inquiry appeared on my credit, without my consent or knowledge. On XXXX After contacting them and speaking to Manager XXXX, I was told pretty much that they reserve the rights to pull my credit anytime, and without my consent, which is ridiculous and not acceptable. I want this unauthorized inquiry removed from my credit report, and all my personal records destroyed and removed from their database. My credit score dropped due to such unauthorized inquiry. Dishonorable company!!!

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2020 I sent {$500.00} to my girlfriend through XXXX on Bank of American ( BOA ) app XX/XX/2020 My girlfriend told me she has not received the money yet, I was confused and gave BOA a call and was told that {$500.00} was transferred to anyone else who has exactly the same phone number as my girlfriend in the account and we actually do not know who he/she is, I made a dispute for claiming the money back. Besides, I called and messaged the money receiver with the 'same phone number ', no reply!!! 
XX/XX/2020 I called BOA again to check how the dispute is going and was told to wait XX/XX/2020 I received the paper letter from BOA indicated that they can do nothing, I called BOA again and again and was told I can not make a dispute anymore, BOA has closed the case, they can not help to get my money back

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help 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: 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: FL

Complaint narrative:
I applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help me.

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:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.

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 — Account status incorrect
Company: LoanCare, LLC
State: AL

Complaint narrative:
I have been in regular contact with my previous mortgage company about their reporting of my account on my credit report. They have agreed to remove late payment and account entirely from my credit report and have not done so. The account is paid in full and they have not yet removed nor will they submit to me a statement of removal, even after disputes through credit agencies.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
Malen & Associates PC purchased a debt from XXXX XXXX. The debt was loaded up with added fees and penalties prior to the sale of the debt. Malen & Associates PC did not provide adequate documentation when asked to verify the debt. Malen & Associates PC refused to settle the debt in good faith on several occasions. Although Malen & Associates PC claims they are settling in good faith. The company is fully aware that the debt was stacked prior to purchase and is collecting this debt with malice. Malen & Associates PC cites an amount in excess of {$6000.00} every time a debt settlement is made and then will extend the terms and create further financial hardship to the debtor.

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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I took out a private loan in XXXX for {$20000.00}. I had been in school from that time XX/XX/XXXX. In XX/XX/XXXX my private loan was taken out of deferment and put in to repayment. I was informed I was in default in XXXX by a call from their recovery department. I explained that i was still in school and they advised me to contact Citizens Bank Student Loan department. When I contacted Citizens I was told that it should not have come out of deferment while I was in school but since it was written off there was nothing they could do. I talked to multiple employees and received the same information. In XXXX of XXXX I began paying small amounts to the recovery team on the loan. Every month it hits my credit report as a charge off causing my credit score to take a hit. They will not move my account back to their Student Loan department, they will not show that it is in good standing even though I am making payments, and told me the only way to remove it is to pay it in full. I believe that they made an error, as told to me by their employees, that is hurting my credit score, effecting my clearance ( I work for the XXXX XXXX XXXX ), and harming my credit report.

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 status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been in regular contact with my previous mortgage company about their reporting of my account on my credit report. They have agreed to remove late payment and account entirely from my credit report and have not done so. The account is paid in full and they have not yet removed nor will they submit to me a statement of removal, even after disputes through credit agencies.

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I called company about an account reporting on my credit file that couldnt be verified. They could not provide a copy of the original signed consumer contract as they should as stated 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 signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. They even failed to respond. Agent said they sent out a letter stating they do not have a copy of the contract. I demanded to see verifiable proof of ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
Creditor 1 XXXX XXXX Creditor 2 XXXX XXXX XXXX Creditor 3 XXXX XXXX XXXX  XXXX XXXX They have 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 above.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX purchased a debt from Capital One. The debt was loaded up with added fees and penalties prior to the sale of the debt. XXXX XXXX XXXX XXXX did not provide adequate documentation when asked to verify the debt. XXXX XXXX XXXX XXXX refused to settle the debt in good faith on several occasions. Although XXXX XXXX XXXX XXXX claims they are settling in good faith. The company is fully aware that the debt was stacked prior to purchase and is collecting this debt with malice. XXXX XXXX XXXX XXXX cites an amount in excess of {$6000.00} every time a debt settlement is made and then will extend the terms and create further financial hardship to the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Opened an 11 moth CD with Ally Bank in XXXX. Account qualified for a 1 % bonus after 90 days. Never received bonus. 

Wrote to President, Ally Bank on XX/XX/XXXX and XX/XX/XXXX Wrote to Board Member Ally Bank on XX/XX/XXXX Wrote to Ally Bank Customer Service XX/XX/XXXX I have not received any reply to these 5 letters.

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 2020-04-15 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay 's bank reported to the credit agencies a delinquent account after failing to send me a bill or any balance owed notices for the amount of {$6.00} which lowered my credit score by nearly 100 points and will negatively impact my credit score for 7 years. I received a letter from Barclays 's informing me that I needed to use the card in 90 days or they would cancel my card and close my account. I used it for a purchase of {$6.00} and never received any notifications about a balance. I only noticed once my credit report alerted me to the score drop. I spoke to a rep who suggested to write a letter to their credit reporting dept. I received a letter rejecting any wrong doing and refusing any good will adjustments. I think this is a type of abuse because I was sent a letter telling me to use the card in 90 days or they would close/cancel my account, they sent no notifications about the balance owed, no mail nor electronic notifications nor smart phone app notifications. Then had my credit lowered by 100 points for what was only {$6.00}. This is too severe for that amount.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
In XXXX XXXX i did a money transfer to XXXX from my debit card account. " Remitly '' this is the name of instituition, said my transfer was denied from my bank but they charged {$480.00} in the same day. The transaction was denied but i didnt receive my money back

Company response to consumer: Closed with explanation