vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 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: Affiliates Management Company
State: FL

Complaint narrative:
To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that 3 late payments was reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my credit card account. 

I want you to know that I understand my financial obligations and for the majority, I have an excellent repayment record. I made a mistake in falling behind, but since then, I have hired a financial planner to help improve my money management skills. 

I'm not proud of this black mark on my record, but it's the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. Im planning to apply for a mortgage and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments so that I can further improve my credit score. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is reporting a paid collection as open and as well on the attached documents they are showing to be a factoring company on the debt. The debt was paid on XX/XX/2018 in the amount t of XXXX was debited from my checking account. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have made multiple attempts to get my lost card replaced. Every time I a called in. I was told they just sent it. And every time I called they said this time well send a new card and I should receive it within 24-48 hours. I call once a week and still no card. 
I am always told that they assure me that it will be sent and the previous person didnt sent it via fast mail or via XXXX. Its been close to a month without my one and only credit card. 
As a XXXX person I cant just get up and go get cash. I have limited funds till I get my SS check also.

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 2018-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text message from HBSC bank someone was trying to use my card. I was to text back yes or no if it was me then instructed to contact fraud. I contacted fraud department and I was told to destroy my card and a new one will be issued pin will stay the same the Rep said. I waited over the time frame for the card to arrive so I visit one of the local banks in XXXX XXXX NY. I went there to get money not only was I being denied my money because I refuse to sign like my ID signature which I signed when I was XXXX years old and my signature has changed for the past 14 years I have never had this issue. But then finally I was given money out of my account. Then I went to customer service to ask about the were about of my card. I was told they were not sure and I asked for a tracking number and was told there was no tracking number. I said that does not make sense and explained I will be leaving the next for work. I was told nothing can be done and the way I spoken to in front of my son made me really upset. I asked why do you guys not give temp cards XXXXl XXXX and XXXX give cards on the spot then I was told maybe it is best I transfer to that bank. After being with you guys since XXXX I am so upset for the treatment of my own money. Almost a month later XX/XX/XXXX I received my HSBC replacement card. I activated in the morning the same day used the card the same day with no problem. I went to ATM to find out my pin has been changed which I did not request, was not commutated my pin will change and did not received any type of mail about been change. Last night XX/XX/XXXX I had an emergency and went to with draw money which I could not do because my pin was not working. I contacted HSBC bank I was hung up on with firs rep when she said she could not find the card in the system. Called a different rep and I told I was my card is blocked for 24hrs. I explained I needed my card and then I open the app I was charged {$35.00} insuffient funds which is inaccurate I check my account almost everyday and never seen negative or under amount I need to use I am highly upset and I do plan on now leaving HBSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: MD

Complaint narrative:
I filed a dispute about 3 accounts ( paid medical bills ) online with Equifax XX/XX/2018. 2 days later I received a notice that my credit score decreased by 47 points from XXXX as of XX/XX/18 to XXXX XX/XX/18 even thought the accounts total of 4 collections were removed from my credit file. As of XX/XX/18 my Equifax score is XXXX. XXXX & XXXX are both XXXX. Nothing else changed on my credit report to cause the score decrease. There's been nothing but improvements to my credit file. I filed the same dispute with the other two bureau 's, XXXX & XXXX, they removed the accounts and both of my scores increased by 10 points as a result. This same has happened to others as I am seeing complains on a XXXX XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
My minor child made unauthorized charges to my credit card without my consent, he is mentally XXXX and said he was not aware he was making these charges. My credit card company Citi, has denied the claim. I have spoken to XXXX XXXX and XXXX XXXX from citi, I told them I would provide any documentation stating my sons mental condition, but to no avail. I am a widow working a full time job with XXXX  young children. unfortunately my children aren't always under adult supervision, and therefore was easy to get ahold of my card. I have also spoken with XXXX and was told to speak with my credit card company, that they would be able to help me.so I have exhausted all efforts. These are the dates and charges made to XXXX. 
XX/XX/2018 {$26.00} XX/XX/2018 {$23.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$9.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00}XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$37.00} XX/XX/2018 {$100.00} XX/XX/2018 {$10.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$100.00} XX/XX/2018 {$64.00} XX/XX/2018 {$80.00} XX/XX/2018 {$100.00} XX/XX/2018 {$100.00} XX/XX/2018 {$39.00} XX/XX/2018 XXXXXX/XX/2018 XXXX Totaling charges {$1500.00} If you can please help with this matter it would be greatly appreciated. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to the chase branch to open high school checking account. The manager asked us to leave and bring ID. When we returned she said that one of my prior account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and I had ower draft of {$100.00} I had my son with me and had no choice but to pay {$100.00} to be able to open account for him. 
Why the charges couldnt be waved? It was 7 years ago? 
Why I didnt know about that all these years? 
Something sounded that it is not right. 
I do not recall having another account with chase. 
I only had and have one joint account with my husband. 
Please let me know if you can refund me XXXX because its not thrue what the banker said. I do not believe it. Ether she  made a mistake or stole my money. She havent present any prove. Please investigate. 
Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Foundation, Inc.
State: NC

Complaint narrative:
As the ( CFI ) College Foundation of North Carolina loan in question is almost 14 years old, I requested a promissory note with the exact amount borrowed, along with how interest is calculated. I received a Master Promissory Note that gave no indication as to amount, and did not adequately explain calculation of interest. Given the age of the loan, I want to determine how much was originally borrowed, and if the lender still owns my debt. Please help me determine ownership and amount of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Good afternoon I had a credit card by XXXX XXXX issued by XXXXXXXX XXXX .my credit line was only {$800.00} Now this collection agency called XXXX XXXX XXXX , who address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX They are trying to collect {$1100.00} I have contacted several times to validate the debts their reply was verified. 
I even disputed with the bureaus and their reply was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
After reviewing my credit file it has to my attention that Accelerated Financial has inserted a negative mark into my credit file. I am a victim of identity theft. I recently learned that my personal information was used to open an account at Accelerated Financial. Idid not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that I have never even heard of Accelerated Financial company or even received any communication regarding this alleged debt. I was not even given my right to dispute the validity of this account. I was never even aware that this account was open. Remove this from credit file immediately or I will be forced to sue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
Conns Furniture calls repeatedly from different numbers about my account. They start calling and sending emails and my account is not even 30 days past due. They love to call before XXXX on Sunday mornings and at least 10 times daily. They have even called my job, but I got that straight with them. It is just harrassment and I need it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 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: AR

Complaint narrative:
XX/XX/2018 I disputed an inaccurate account with EQUIFAX the account which is XXXX XXXX XXXX. EQUIFAX investigated and it came back verified. In XX/XX/XXXX I sent in a certified letter to EQUIFAX for a Method OF Verification, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to EQUIFAX via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 EQUIFAX got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XXXX XXXX i was notified that EQUIFAX completed their investigation with the account XXXX XXXX # XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. EQUIFAX have violated my rights and need to remove the account from my credit, I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, EQUIFAX violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for  a description of the procedure used by your company. EQUIFAX received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed all the documents so you can see that I have did my part, I am entitled for damages for your noncompliance for not following the laws and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Good afternoon, I had a credit card with XXXX XXXX XXXX.it was sold to a collection agency called XXXX XXXX ( account XXXX ) Their address XXXX XXXX XXXX XXXX sc XXXX Then another company trying to collect on the same debt called XXXX XXXX ( account XXXX their address XXXX XXXX  XXXX XXXX XXXX MN XXXX Then another called Resurgent capital account XXXX Adds XXXX. XXXX  XXXX XXXX MI XXXX   None of them would validate the debt because XXXX XXXX bill me some items in error

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit file it has to my attention that XXXX XXXX has inserted a negative mark into my credit file. I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. XXXX not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that I have never even heard of XXXX XXXX company or even received any communication regarding this alleged debt. I was not even given my right to dispute the validity of this account. I was never even aware that this account was open. Remove this from credit file immediately or I will be forced to sue.

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 2018-09-08 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This loan was for training at XXXX XXXX XXXX out of XXXX XXXX fl they filed for bk and out of business i had no job and no income and no credit my dad just got done with a XXXX and the debt was discharged. The loan was reported as closed and current now all the old reporting is gone they have me as a signer and 60 days delinquent. I have received nothing from wells fargo they just go start reporting incorrect information and screwing my credit score because of there incarcerate reporting

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 2018-09-08 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: DISCOVER BANK
State: OH

Complaint narrative:
I was sent a letter to use my credit card or it will be cancel. I charged a small amount to the card. The problem is that I never received any notification of the bill via email or in the mail because they had the wrong address on this card even those all the other accounts I have with them are correct. I finally saw it when I signed in. I paid it one day shy of 90 days. I have never paid any bill late. I have tried to work this out with them especially since they had a wrong email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
In XX/XX/2017 I filed a complaint with XXXX XXXX, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with XXXX XXXX. XXXX XXXX removed all references to these debts on my credit reports, and I assumed that XXXX XXXX would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and XXXX XXXX knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for XXXX XXXX to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from XXXX XXXX and XXXX XXXX XXXX, XXXX. 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 2018-09-09 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My credit report is showing that I was 30 days late XX/XX/2018 with my Chase Auto account XXXX. This was the month I did an extension and the XX/XX/XXXX payment was put on the back of the loan due to hardship. A month later I received a notification that Chase reported my account for XX/XX/XXXX days late. When I ( and my wife ) called an spoke with customer service I was advised that it was no reporting late on their end. The customer service rep said she would put a dispute in and it would be corrected. 30 day later ( XX/XX/2018 ) it was still on my report. I ( and my wife ) called again and spoke with customer service. At that time they advised again that it was not showing late on their end and it would be sent for dispute and I would get a letter in a mail advising me of the dispute. I never received anything in the mail. So I disputed it with all 3 credit bureaus. All 3 bureaus stated that the information was investigated and deemed correct. So at this point I am filing a complaint. Chase is advising me over the phone that it is not showing late in their system. But no one wants to remove it from my credit report and this is causing for me to have issues getting a mortgage due to the late payment and the points on my credit report is not increasing due this late payment. When I have talked to the

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2017 I filed a complaint with Capital One, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with Capital One. Capital One removed all references to these debts on my credit reports, and I assumed that Capital One would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and Capital One knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for Capital One to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from Capital One and XXXX XXXX XXXX, XXXX. immediately.

Company response to consumer: Closed with explanation