vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-08 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: NC

Complaint narrative:
Hello, I contacted Equifax on or about XX/XX/XXXX after I received my credit report. I noticed a lot of inaccurate information and decided to dispute and ask for validation. I started with inquiries that I did not authorize. I wrote a letter to Equifax and haven't received a response. Under the FCRA 30 days is typical. I was able to get the CEO 's email after my many attempts to call and resolve these have failed. My email went unanswered by XXXX XXXX. 

The FCRA states the only permissible purpose for pulling someones credit report is ) - Firm offer of credit - insuarance - employment - a court order none of the below do, and i repeat none of them had/have my permission to pull. 

- XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX   XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX I have contacted this company via phone, email and USPS more times than i have can count on my fingers and am now asking the CFPB to step in and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
Hello, I got a copy of my credit report showing a collections with this company, XXXX XXXX XXXX in the amount of {$210.00}. I sent out a validation letter to this company on XXXX requesting validation as it falls under the FCRA. ( validation is a lease or contract signed by me ) I have yet to receive any of this. 

I'm now requesting you step in and demand this and if they can not provide it. Please delete from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: AR

Complaint narrative:
credit Karma will not remove a false name from my ssn, it has been used since I was XXXX, now that I'm XXXX and married and I want to buy a house I found this out. I finally got the false information ( collection debt ) removed, but my CK report calls me " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: TX

Complaint narrative:
Good day, Due to the fact that I have to take care of my mother, home expenses and bills, I have not been making payments or consistent payments to my student loans. The money that was being used to make payment on all loans has now been for my mother, as we live together, care and well being as she does not work. My mother is currently attempting to appeal her XXXX which was stated by the law firm that took on her case as a 18-24 month process as she has been hospitalized with her condition for 16 times within 3 1/2 years. We are currently waiting for her doctors to set up a date for  one or both of her XXXX XXXX. 

I attempted/currently attempting each month to make payments to My Great Lakes which the total owed to them is {$30000.00} as of this date, XX/XX/XXXX. I put whatever I can on it when possible as I am no longer eligible for forbearance according to their website information system. 

Also, I have XXXX XXXX which is {$790.00} as of XX/XX/XXXX and XXXX student loan for {$95.00} a month. When I talked to a representative vial phone call from XXXX XXXX, the gentleman stated that I may not be eligible and that he would submit my information in which time a representative will be emailing me the decision. These has not been paid for 3-4 months as my mother health has been an issue for going on four years now and I have to take care of her and her portions of the bills as we were partnering on all bills for many years. 

In addition, the issue with repayment originally stemmed from the complaint I submitted from XX/XX/XXXX stating that we did not get properly educated with the constant swapping of instructor whether in beginning of the semester, mid-term, etc. We were also misled financially and job opportunity wise. This is part of the exact same reasoning XXXX XXXX XXXX were shutdown immediately in XX/XX/XXXX. This was 6 months after I filed my complaint. I must admit that I did not originally call the Administrative Director over the campus but once my case was closed I then attempted several times to call the Administrative Director with no success and by that time the news of XXXX XXXX closing had already happened. 

I am nowhere close to a good financial situation as I have already did the first step to officially filing bankruptcy by completing the Certificate of Counseling through XXXX XXXX XXXX. Even still, I do not have the {$1800.00} ( {$1500.00} for hiring lawyer and {$330.00} for filing documents ) to even follow through with that. I am also sure that my income tax will be garnished and feel like I am at a dead end. 

My head is spinning in some ways I do not know what to do and need some kind of assistance or relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I made a serious mistake by entering into a lease agreement with XXXX XXXX in XXXX NC. XXXX XXXX XXXX. At the time I went to just look around, my XXXX lease was expiring. I defiantly was pressured into this vichle. I am XXXX and the simply wore me out. The went so far as to drive me back to my home with a salesmen to pick up my puppy, so I wouldn't leave and not come back. The said they did not want anything to happen to the XXXX XXXX I was turning in. I was looking for a payment of about 260 . I finally got out about XXXX XXXX that night, with the car. When they sent me to the financial man he gave me all these papers in small print to read. I stupidly trusted him. There motto is Our customers are always for life. Now I know why. They failed to tell me I would get a bill from XXXX for XXXX because I did not buy from them, plus I was billed for some damages on the XXXX. They did not want me to go with the salesmen as I was supposed to do., to get the pay off. The knew I was going to be billed and that would have stopped me from leasing the XXXX. Instead they turned in themselves and a few days later I received a XXXX $ bill from XXXX. Within two days I receive a bill for over 350.00 + . From Hyundai. When I returned to ask about this they never told me I would have that bill as soon as I left wth the car. In addition to that I find the finance man put two warranties on the car. One for maintenance and one for one for Master tech, whatever that is. I was unaware of that. After much haggling they removed the warrantees and gave me a credit. To make matters worse my daughters company closed and she was without a job. She still does not have a job and now has XXXX and it will be 6 weeks before she can even think about it. She has moved out so I have no help from her. Now the payment was impossible. I am behind and they Want to reclaim the car. I will never catch up. I have pleaded with them as I live on SS. It's a constant battle. I returned to the dealership and asked for help. I tried to turn it in and get an older car from them. No never. They want me to lose the car so they can repo it and then sell it cheap and I would be paying for a car I don't have. I am desperate and have no where to turn to. This's lease is now almost one year old so I have two more years of torture unless I die first. I guess I would be out of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
This is the most crooked debt collection agency on earth if I could sue them I would. I have never been to a hospital and they are saying I owe this amount for hospital stay or something. They have said go to hospital or police to prove. How can I prove if there is no record of myself. I have explained to them that it is wrong person. I have not received any documents from them proving that I was there or that they have any solid proof this is my debt. Thus far all they have is my name and ssn. That being said anyone could get that and claim anything. Where is the proof. I have contacted numerous times by mail and phone. Every time its the same thing they say it is my debt nut give no to clear it up. I have offered to settle for a lower amount if I can get in writing that it will be completely removed and not reported anymore or at least paid in full as agreed. They will not reply or hardly answer phone. If I could get the states attorney ear I would I am sure this company is shady in the way they do business and report. I have never been to a hospital and I owe a hospital a debt. How is that? So they have my number put a false claim on me and extort me for money this is what is going on here. I need in writing a settlement agreement with in writing complete removel from credit report or paid in full or paid as agreed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Good afternoon, On my last statement dated XX/XX/2018, I was charged a late fee of {$20.00} because my last payment was received one day late - according to Citibank. Please note that my entire balance was only {$20.00}, which was paid in full. I paid this through my credit union bill payment service and the payment was supposed to be there on time. I don't know why Citibank did not receive the payment on the correct date. I asked Citibank for a refund and they refused. No wonder people hate big banks in America! 

XXXX 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 monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Prior to Coinbase notifying customers that their merchant code changed such that credit card purchases would be coded as cash advances, they continued to represent that credit card purchases would not be treated as cash advances. Despite this, they have refused to refund cash advance fees charged by credit card companies from the time that such purchases were treated as cash advances until they gave proper notification of their merchant code had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have disputed an account with all 3 credit bureaus asking for removal from my credit report. I have requested proof on original ownership of debt. I have yet to receive proof and the card remains on my credit profile. They simply reply with we have verified debit but actual proof has not been provided to me. I have contacted XXXX directly and submitted 3 disputes to each credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just want this invalid debt to be removed from my report.

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 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: IN

Complaint narrative:
Choice Recovery has acted deceptively with respect to my account and my wife 's, attempting to collect on a debt that is already paid, and filing false reports with credit agencies. They accepted referral of a debt that we were actively disputing with the original creditor. We were working with a consumer hotline ( the XXXX XXXX ) that had taken our case and was negotiating with the original creditor, who had been misleading in their business practices, but they aggressively referred it to collections rather than work with the hotline. As a result of the threat of collections, we paid the debt to the original creditor ( under duress ) in full on XX/XX/XXXX for both accounts. However, Choice continued to contact us claiming we owed the debt. On XX/XX/XXXX, weeks after the debt was settled, they falsely reported it to credit agencies as unpaid. This is despite the fact that they claim in letters that they will not report debts to credit agencies if they are paid within 31 days of the first contact, as this one was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CIT BANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This is not really a fee question, but you didn't list an appropriate category. My issue deals with advertised interest rates ( APY ) and many " direct '' ( ie online ) banks specifically, CIT Bank. 

CIT Bank currently advertises a 1.55 % APY. This applies to amounts of money of {$250000.00} and below, which is where I fall into ( see attached screen prints ), but when I login to my account, it shows them paying me 1.05 % APY. 

On their website, in the fine print, it states that interest rates may change at any time. In their 44 page Account Terms agreement, they state " Variable rate ( the interest and APY may change at the Banks discretion, at any time ) '' My 2 questions : 1. Is it legal to advertise a higher rate today and not pay that rate today? 
2. When the bank states " at the Bank 's discretion, '' does this apply to all customers of that bank 's product or are they singling out certain customers? Could it be that for large accounts they reduce the interest rate because they don't want to pay out that money?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I was alerted by a credit monitoring site that a negative account was placed on my XXXX report. I never received any mail / notice from the company to let me know that I even had a debt. The report says I opened this account in XX/XX/XXXX, I was XXXX XXXX XXXX in XX/XX/XXXX I DID NOT TAKE OUT A XXXX LOAN OUT FOR SCHOOL at XXXX XXXX XXXX!!! I want this taken off my credit report immediately!! This company could have at least let me know about the debt so I could either pay it off or dispute it if its not mine! I have not been in school since XX/XX/XXXX so even if this debt is mine that means the account is over 7 years old!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Franklin Collection Services regarding a collection that appeared on my credit report. I informed them I was a victim of identity theft and the account was fraudulent and belonged to an address I had never resided. I have never authorized or given anyone permission to use my personal information. 

On XX/XX/XXXX, I emailed XXXX a copy of my identification, police report and FTC Affidavit. I also mailed a request for validation of this debt along with the same documents emailed. 

As of XX/XX/XXXX, Franklin Collection Service continuesto report the collection as valid on my credit report prior to validating the debt as requested or providing any written notice pursuant to 15 USC 1692g ( a )  and ( b ). 

They failed to 1. Cease all collection activity, including reporting until proper validation of this debt was provided. 
2. Provide me with validation or information regarding this debt within five days of communication. 
3. Failed to notify credit bureaus of the dispute. 

Furthermore, Franklin Collection Services informed me the account was opened in XX/XX/XXXX. However, according to my credit report, it shows the account being opened on XX/XX/XXXX which would clearly indicate inaccurate and outdated information ( still resulting from fraud ) being reported to my credit report. 

My credit report shows an update on XX/XX/XXXX that supports my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX XXXX claims I owe money on multiple collections but refused to provide proof and after I called they reaged the account to make it seem new. They used profanity and threatened to garnish my wages when I requested proof of the debt. I have disputed it on my credit profile multiple times and the date changes every time so it cant fall off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I noticed that my credit report is reflecting late payments on two accounts from America Express. These items are inaccurate because one account is paid in full, and the other account is in good standing. See enclosed documentation. 
AMERICAN EXPRESS : # XXXX ( account is current ) AMERICAN EXPRESS : # XXXX ( paid in full ) I notified the business on XX/XX/2018, requesting the removal of erroneous information from all three credit bureaus. Additionally, I asked for a written statement of their verification process. I received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX has been closed by the government. My loan should be dismissed and I have requested the paperwork many time from Navient ( the lender who bought out XXXX XXXX ) and I never receive the paperwork from them. They have told me that the department that handles that won't take their calls. I read today that the last day to file the paperwork for this is on XX/XX/XXXX. I need help and I need it fast. 

They lied to me and told me that they had a career services department. I went to the dean during my second semester and asked to be enrolled in the program and he started looking on XXXX for jobs. He said that was the career services department. There are a lot of other things they lied to me about. They also forced me to get several private loans, and also switched loan companies from Navient to XXXX and didn't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have repeatedly disputed the accuracy of a Care Credit/Synchrony Bank account that is reporting inaccurate derogatory information on my credit reports. According to my XX/XX/XXXX XXXX credit report ( see attachment ), Care Credit/Synchrony Bank reports a closed account ( Close Date :  XX/XX/XXXX ) with a credit limit of {$500.00}. However, the High Balance and Original Charge Off amounts are reporting as {$1400.00} in XXXX. In my previous disputes, I requested copies of the original signed agreement and terms and conditions for the account to assist with determining if the agreement outlined that interests and fees would accumulate after the account was closed. Synchrony Bank did not provide me a copy of the original signed agreement and terms and conditions of this account, as requested. However, they provided copies of purported billing statements that do not reflect that the account was closed in XXXX ( as reported on my credit report ) nor does it substantiate what the original signed agreement and terms and conditions were? 
Therefore, I am requesting a CFPB INVESTIGATION for this account. Specifically, I am requesting that Synchrony Bank provides a copy of the original signed agreement and terms and conditions to substantiate that an account, in good standing, can be closed then exorbitant fees be assessed for years, thereafter? No reasonable person would agree to paying nearly three times the original credit limit in fees. This is a fraudulent accounting practice that allows big banks to write off excessive amounts of losses that consumers never truly owed. 
Further, the fraudulent misreporting of this account information on my credit reports is a blatant violation of the Federal Credit Reporting Act.

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 2018-04-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief