vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was contacted XX/XX/2018 by a Navy Federal Representative in the collection/payment servicing department. I made arrangements to pay the account on the XXXX via an ACH debit. I was told that would prevent my account from being late. The transaction never debted my account and I contacted Navy Federal on XX/XX/XXXX in regards to the 30 day late they reported on my credit. I was advised that they had no record of my payment arrangements.I was inaccurately reported late and advised each representative that I was closing on my home after building it for over a year and that I could not afford the late on my credit. I was trying to juggle my wife being sick and not working anymore along with paying all of the bills, all I was requesting was to be granted enough time to make the payment and they did not honor the payment arrangement we had made. I called in again XX/XX/XXXX. 2018 and spoke to a XXXX in the collections department he was very rude and condescending he spoke to me in circles and never honored my request to speak to a supervisor after asking 6 times. I am now unable to close on my home and about to go into foreclosure on the loan. I have contacted Navy Federal numerous times and no one is willing to allow me to speak to a supervisor or their Executive Office. I have never been late on this card and paid every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
A company that would ONLY identify themselves as " Receivables Performance Management '' WILL NOT stop calling TWO of us in this home! They keep asking for a " XXXX '' or " XXXX '' or whoever. They have called SO many times and been SO very abusive that I would honestly like to persue criminal charges and even civil too. The abuse is UNBELIEVABLE! The two odd things are : 1 ) they have TWO of our phone numbers in the same house, asking for the same person ... both of us have explained SEVERAL times we do NOT know her! We have NO debt with them! They get VERY rude and call over and over. I told them I would report to FTC, FCC, here and State Attorney General 's Office, but they laugh and hang up. Guess what? 10 minutes later his phone rings. 30 minutes later, my phone rings. This is not only bad business practice, but this is directly harassment! They will not identify themselves beyond that " company name '', and refuse to remove our numbers. I do not know how calling over and over will help get some XXXX here. PLEASE! HELP US MAKE THEM STOP! Here is the phone number, the same number every time that they call from is : XXXX. My name is XXXX XXXX and my number is XXXX and XXXX XXXX, the other victim of repetitive calls number is XXXX. Address here is XXXX XXXX XXXX in XXXX, VA and zip is XXXX. PLEASE.. we can not deal with this. Our numbers can NOT be changed, and I can not disclose why. I apologize for that. 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 explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citibank checking and savings account package under a promotion to earn a {$400.00} bonus for depositing {$15000.00} and leaving it on deposit for 60 days. 

On XX/XX/18, I deposited {$15000.00} per the requirements. On XX/XX/18, I did an online chat to check status and was told the promotional code is not attached to my account even though I clicked through the offer on their site ( I've heard that this has happened to a lot of other people. ) The rep confirmed that I met the requirements but I had to call the XXXX XXXX XXXX XXXX about the promo code error. That rep ( XXXX ) put in a request to apply the promotion to my account and said to call back on XXXX if the bonus hadn't posted yet. 

On XX/XX/18, I did an online chat with XXXX to check bonus status again. The rep again confirmed that I met requirements but said I'd have to call the XXXX XXXX XXXX XXXX again about the bonus. That rep ( XXXX ) said it looks like there was a promotional dispute opened on my account back in XXXX but it was cancelled ( not closed per their process ) with insufficient notes about why. She also said there was a note that I didn't meet the requirements. I've been told twice that I met the requirements by other reps and there was no communication from Citibank to me that the dispute was cancelled. I've had funds on deposit with Citibank since opening the account in XXXX with the expectation that I would receive the {$400.00} bonus that was originally promised.

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 2018-11-02 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I noticed my credit score dove 100 plus points due to a collection being added. I placed a complaint with XX/XX/XXXX, the ONLY reporting agency to show this incorrect entry. It listed a balance as though they had not been paid for the past 3 months. The total claimed is {$330.00}. When asked what is this / who is this for she says XXXX XXXX XXXX. I said Ma'am This was taken off my other reports years ago. She states it was filled with another outfit in XX/XX/XXXX. I've had and have XXXX XXXX XXXX as my Cellular carrier now since XX/XX/XXXX. so 11 years and counting. This is bogus, all my bills are paid on time. All three reporting agencies show this. It's quite frustrating for these crooks to be allowed to do this I have 100 % repayment on time. No reason for me NOT to pay unless I never owned it. Please make them remove it once and for all. Please see the dates are made up ask for XXXX ack up for those dates, Please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I made a call to my credit card company today XX/XX/2018 but struggling to pay for my card if their is a promotion on my card if the interest the percentage on my card will be reduced and the lady that was on the other side didnt give me options she asked me about my income and experiture which I told her I dont know because the numbers will be give her will not be correct and she keep pushing and pushing and at the end she told me my account is going to be block and Im going to have a bad credit record but I have to keep on paying them. I told her no this is not why I am going I was calling if my interest will be reduced or if there is going to be a promotion on my card I can still be able to continue to pay but MBNA credit card costume will not listen to 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 2018-11-02 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: TX

Complaint narrative:
inaccurate information, no knowledge of accounts, FTC violations

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 2018-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: KS

Complaint narrative:
More interest than told

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: CO

Complaint narrative:
XX/XX/18 Mailed a copy and sent a copy of sprint correspondence stating the account is clear and no money is owed. Called XXXX and the person who was looking into my account is no longer there. I sent a letter to diversified adjustment services stating what XXXX is saying, telling them to stop contacting me. A few weeks go by and I hear nothing. Now today XXXX they have called 6 times every minute so far. This is harassment and I will be hiring a lawyer today to deal with them on my behalf if it does not stop. I am disgusted by their tactics and blatant disregard for the law. I am now as of XXXX XXXX  on XXXX up to 109 calls in the past 40 minutes. Now at XXXX I am up to 142 calls. Attached is calls documented as well as XXXX saying the debt is not owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Beginning XX/XX/2018 I begin my dispute process with XXXX, Equifax, XXXX   and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, Equifax, XXXX, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: Advanced Resolution Services Inc.
State: MS

Complaint narrative:
Beginning XX/XX/2018 I begin my dispute process with XXXX, XXXX, XXXX and ARS concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy.

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate.

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, XXXX, ARS, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: NM

Complaint narrative:
Experian can not seem to get this right. I've already filed a complaint with CFPB regarding this matter and Experian claimed it spoke with XXXX and supposedly confirmed that I am somehow responsible for XXXX  account no. XXXX. Experian uses this as a basis to keep its negative and erroneous report regarding me and this account on my credit report - essentially, Experian is reporting that I failed to pay and/or made a late payment in connection with XXXX  account no. XXXX. This is false. Experian should know this, because I previously forwarded to Experian a letter from XXXX attesting to the fact that account no. XXXX is not my responsibility. Nevertheless, Experian, in response to my earlier complaint with the CFPB, stated the following : " Per your previous request for reinvestigation, we contacted the data furnisher ( s ) for the account and asked them to verify the accuracy of the information with which you disagree. The data furnisher ( s ) responded to your dispute and verified that the disputed information was accurate as reported. '' Experian is either mistaken, not telling the truth, and/or did not really bother to contact XXXX regarding account no. XXXX. Provided with this complaint is the letter I previously sent to Experian along with a letter from XXXX confirming that account no. XXXX was not and is not my responsibility. If I am wrong, please enlighten me and XXXX as to why Experian continues to insist on trying to hang this bogus credit report regarding XXXX around my neck. If there is a valid and legal basis for what Experian continues to try to do to me regarding XXXX account no. XXXX, I would love to hear it. 


Failing that, Experian should remove the negative references to XXXX account no. XXXX from my credit reporting, and restore my credit score to what it was before it was improperly affected by Experian 's erroneous and defamatory attribution of account no. XXXX to me. Maybe this time, Experian will actually read what it has previously been provided, and actually speak with the person from XXXX who knows that account no. XXXX was not and is not my responsibility. 


CFPB, please look into this with a little more vigor than last time. Apparently, you can not believe or rely on what Experian says about XXXX, XXXX account no. XXXX, and the account 's truly non-existent connection to me. Please look at the letter from XXXX!

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 2018-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My debt was deducted by as previously scheduled from my bank account.

However Chase sent me black mail letter citing I am not paying. The letter was initiated on same date as monthly scheduled deduction.

This is unlawful banking practice just like Chase is acting like XXXX.

I want to stop Chase 's XXXX  activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX a transaction to my credit card for the full amount was processed. As of XX/XX/XXXX there are still two pending transactions on my Citibank credit card for XX/XX/XXXX {$160.00} and XX/XX/XXXX {$65.00}. Contacted Citibank and XXXX and both companies point fingers at each other that is the responsibility of the other to remove the pending transactions. It is affecting the amount available on my credit card limit to be used and I have had transactions refused because of this. 

Spoke with XXXX in Accounting at XXXX and XXXX and XXXX at Citibank on XX/XX/XXXX starting at XXXX XXXX  EST.

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 2018-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I didn't know about a debt when applying for a loan. I found First Point Collections had filed a past-due medical collection. Once they verified it was mine, I told them I would be happy to pay it, but I wanted the entry removed from my credit reports. They said the most they would do is mark it as paid but not remove it. I would like to pay this bill, then have it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: TX

Complaint narrative:
Equifax Complaint : They show 2 credit inquiries from XXXX that were not mine. First on XX/XX/2018 and second on XX/XX/2018. I've disputed it with both Equifax online and the results were and they said a credit inquiry can not be manually removed. I've called equifax several times and they have not removed and done anything. 
On XX/XX/XXXX I have set up a fraud alert with all credit agencies, nothing show all the other agencies only at equifax. 

Fast forward I received a notification my credit was pull again by XXXX XX/XX/XXXX. Again, i have not authorized or applied for anything. I called XXXX fraud department at XXXX and was told the same information. No account was created with my info. 

XXXX Complaint I've contacted XXXX fraud department several times at XXXX. They say no accounts have been created on my name and perhaps this is just a reporting error. They keep on telling all I can do is go to their website and file an inciddent. 

Neither XXXX or Equifax seems to be wanting to resolve the reporting issue and update my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by Experian. I have an XXXX account which shows my Experian score being XXXX as of XX/XX/18. I've tried reaching out to Experian with no results.

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 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In checking my credit file, as I often do, I found a hard hit from XXXX XXXX on Equifax. I have never requested any financial services from XXXX XXXX. I contacted XXXX XXXX and was advised they had no record of me requesting services from them, and had not submitted a request to Equifax for information on my credit. 
I submitted a dispute and received a notice of response from Equifax, My claim number is XXXX. I tried to review the response and can not access it. I called Customer support, which is useless, they are no help. All I could understand from the call center was the name on my file is not correct and I would need to change my name. All of my credit information is in the name of XXXX XXXX. I have an Equifax account in the name of XXXX XXXX. I put a freeze on my account praying that will stop Equifax from giving anyone any information. I want to know what the answer to my dispute is. This is crazy!

Company response to consumer: Closed with explanation