vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC
State: TN

Complaint narrative:
They were servicing a loan I had through XXXX XXXX. My payments came out on the XXXX of every month regardless of what day of the week it was. On XX/XX/2019, I noticed that the money had not been removed from my checking account and went to Monterey 's site to check my account. My account was shown as overdue in bold red lettering. The payment amount should've been {$190.00}, but the total balance on the account was {$300.00}. To just put an end to the situation, I paid the full amount of {$300.00} plus an extra {$10.00} fee for making a non-scheduled payment. On XX/XX/XXXX, both the scheduled and non-scheduled payments went through, and I have overpaid {$190.00} total. I contacted them by phone and they told me the account would remain open till I had been refunded the overpayment. A week later, on XX/XX/XXXX, I still hadn't been returned the money and they closed my account anyways. I contacted them before I left for work via email and was responded to with an apology and promised they would put it in. This was an obvious lie because on XX/XX/XXXX I still hadn't received the funds. I again contacted them via email and informed them that I was going to seek legal counsel through my Union 's legal service department. They responded with another blatant lie that my account was credited the full amount on XX/XX/XXXX and should show up within 24-48 hours ( if that were true I basic math would suggest I already had it ). The lawyer I spoke to suggested I break any further contact with them directly and to file a complaint with the CFPB and update him at a later date if still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
To whom it may concern : On XX/XX/XXXX I received an email from " Fortiva '' regarding a " Fortiva Account purchase notification '' with account number ending in " XXXX. '' Alarmed, I immediately called the company and got an automated voice -- as this was a fraudulent account I was unable to type any information that would lead me to a customer rep. I then went online and emailed the company using their email contact service about this fraudulent account and requested that it be closed. On XX/XX/XXXX I received an alert from XXXX regarding an a new account -- I then saw that Fortiva had been added to my credit report with an outstanding balance of {$640.00} with a total for {$4000.00} and that this company had also done a hard inquiry on my account along with XXXX XXXX  -- both on XX/XX/XXXX. Both of these inquiries were the result of fraud. I would like help in closing this fraudulent account and removing it from my credit report. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

SURPASSED SOL US DEPT VETS XXXX U.S. DEPT OF VETS AFFAIR 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 UNIVERSITY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 It appears that attempts to collect a potentially time-barred debt that is otherwise valid may not necessarily Violate the Act so long as there is no actual or threatened litigation. ( See Freyermuth v. Credit Bureau SeNices ( 2001 ) 248 F.3d 767. ) However, where, as here, a collection action is instituted, there is a violation of the Act. ( See Kimber v. Federal Fin'l Corp. ( 1987 ) 668 F. Supp. 1480 ; McCollough v. Johnson, Rodenburg & Lauinger ( 2008 ) 587 F.Supp.2d 1170. ) All of these Accounts Report with various INACCURACIES! AND INCONSISTENCIES WHETHER IT MAY BE THE DATE OPEN, THE DATE OF LAST ACTIVITY OR DATE OF LAST PAYMENT, VARIOOUS CHARGEOFFS AND COLLECTIONS ARE LISTED UNDER THE WRONG ACCOUNT TYPE CODE ALL OF THE DATA VARIES FROM BUREAU TO BUREAU WHICH MAKES IT INCONSISTENT YOU HAVE VARIOUS CHARGEOFFS AND COLLECTIONS REPORTING A BALANCE WITH A PAST DUE BALANCE HOW CAN YOU REPORT BOTH IF THE BALANCE WAS CHARGEOFF, THE HISTORICAL PAYMENT GRIDS ARE ENTIRELY INACCURATE AND UNVERIFIABLE Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I continue to have issues with Experian concerning my Experian Credit Report and Experian FICO 8 score. My credit report incorrectly showed more than 50 % of available credit used. Once that was corrected, there was no improvement in my credit score ( even though this accounts for 30 % of such FICO 8 credit score ). I also requested Experian to manually add some utility and other accounts not regularly submitted to Experian by the comapny/companies ). Experian does this to some extent with their " Experian Boost '' program/function feature - although it is not currently available to all consumers via all financial institutions and was designed to be done via a automated program that extracts bill pay information from a consumer 's financial institution. I understand Experian " does not '' actively seek account information '' for consumers. I also understand that the information submitted to Experian is a ) NOT verified for accuracy by Experian and is reflected as presented ( right or wrong ), and b ) such information as reported ( again right or wrong ) directly impacts the consumer 's credit score as  computed by Experian. Whereas Experian provides this credit score and related credit report information to  lenders/businesses, Experian has an obligation to ensure that the information it provides to such lenders/businesses is accurate and Experian has a corresponding obligation to consumers related to such consumer 's credit score, computed by Experian, based on such information reported to Experian.

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 2019-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On Saturday, XXXX XXXX, 2019, at XXXX XXXX I applied to Sams club- Synchrony Bank for a credit card to take advantage of a XXXX credit on a purchase for applying. 
This morning XXXX-2019 I received a denial letter-email with reason for denial ( Existing account with our credit program. I called and verified I have no Sams club master card. 

And in fact I have a Lowes card a paypal credit account and a amazon account all in great standing. 
My problem is I have a hard pull for what I was told a mistake on their part and was told to submit another application and get another hard pull. That is not acceptable not to mention I am going to be billed full amount for monitor I bought. 
I have a excellent credit score and this is just wrong on so many levels

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 2019-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Hello, I am XXXX XXXX. Usaa members # XXXX the reason for me emailing you is to see why USAA savings bank blocked me from all usaa products when I sent in all the information that was asked of me back in 2016 when my account # XXXX was hit with fraud activities. And now after three years, the bank is finally sending me back part of my money that they now see that I didn't commit any fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: AES/PHEAA
State: MA

Complaint narrative:
I started making monthly student loan payments XX/XX/XXXX. My loans were consolidated and transferred to Fedloan on XX/XX/XXXX. 
I have been employed full time and have made monthly payments every month since ( XX/XX/XXXX ). My correct payment count towards PSLF should be 77 as of today ( XX/XX/XXXX ). 
According to the Fedloan website I have only made 43 qualifying payments. 

I first contacted Fedloan on XX/XX/XXXX in an attempt to rectify this discrepancy. I have subsequently contacted them on multiple occasions without a response or explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is about how I had ordered a product on XXXX and the person I sent my money to ( through XXXX on the Bank of America app ) never sent me my product. This is completely unfair as Bank of America does not even have a proper warning of how they do not have any kind of fraud protection. Not only do I believe I deserve reimbursement for the {$210.00} I lost cause of this important knowledge Bank of America failed to correctly advertised, but I also believe this needs to be something that is extremely clear for all users of the Bank of America application. For such a trustworthy bank I thought there would be protection for something like this and I am extremely disappointed in my experience with this bank so far.

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 2019-11-28 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: Risecredit, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX SSN : XXXX and my complaint is against Rise Credit, account open XXXX XXXX date closed XXXX XXXX, due to fraud activity with a balance of {$3800.00}. Back on mid 2015 I was a victim of identity theft, product of this issue fraudulent accounts started to open under my name. My personal information was compromised and as a result my account with your company was fraudulently opened. I did not authorize ; neither did I benefit anything from this fraudulent account that was included in my reports. This complaint is a direct confirmation that I want this account deleted. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings. I have enclosed copies of My FTC report made back on 2015 that RISE has ignored for 4 years and the Federal Trade Commissions notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that your stop collection activity and remove this account from my credit reports. I demand an immediate deletion letter from this the mentioned company. If I have to take this case to a federal court because of RISE negligence and unfair business practices believe me, Im ready to pull the trigger with that lawsuit. If the mentioned company provides me a deletion letter no legal action will be taken against RISE or whoever their mother company is. Im also including on this complaint XXXX XXXX XXXX XXXX because in the report in RISE information the address they have is from the mentioned company. An Im also including XXXX   because its the only credit bureau which it is reflected on and Im pretty sure they will do a serious investigation regarding the matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One advertises that you earn XXXX miles for every charge you make on their Venture One credit card. I have accumulated XXXX miles which they claim I can use for travel, cash back, credit to my account or gift cards. They tell me that this is worth {$370.00} on the website and when I call them. I tried to use this to lower my balance on the credit card, and it would only lower the balance by {$180.00}. I called them up and they told me that if I wanted cash back they would only redeem the miles at 50 %. I decided to try using my miles to get gift cards. If I wanted a {$100.00} gift card I needed to redeem XXXX, XXXX miles. So, in reality I earned XXXX miles for every {$100.00} charged, but I need to redeem 125 % of the miles for a gift card. This is deceptive advertising. Sure, you earn 1.25 %, but they take back the extra .25 % when you redeem the miles, making the actual rate that I earn 1 %, or .625 % if I want cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a inaccurate last payment for a charged off account it stating my last payment was XX/XX/2018 but the correct last payment date is XX/XX/2018 Please verify and delete all inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My mortgage company has not sent me a statement for the most recent billing cycle and I am unable to access my account online. 
This happened to me last payment cycle as well and they misapplied my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX SSN : XXXX and my complaint is against XXXX  XXXX, account open XX/XX/2015 date closed XX/XX/2015, due to fraud activity with a balance of {$3800.00}. Back on mid 2015 I was a victim of identity theft, product of this issue fraudulent accounts started to open under my name. My personal information was compromised and as a result my account with your company was fraudulently opened. I did not authorize ; neither did I benefit anything from this fraudulent account that was included in my reports. This complaint is a direct confirmation that I want this account deleted. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings. I have enclosed copies of My FTC report made back on 2015 that XXXX  has ignored for 4 years and the Federal Trade Commissions notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that your stop collection activity and remove this account from my credit reports. I demand an immediate deletion letter from this the mentioned company. If I have to take this case to a federal court because of XXXX  negligence and unfair business practices believe me, Im ready to pull the trigger with that lawsuit. If the mentioned company provides me a deletion letter no legal action will be taken against XXXX  or whoever their mother company is. Im also including on this complaint XXXX XXXX , XXXX because in the report in XXXX  information the address they have is from the mentioned company. An Im also including Transunion because its the only credit bureau which it is reflected on and Im pretty sure they will do a serious investigation regarding the matter. 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 2019-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CitiBank has reported a negative erroneous account to my consumer credit report. I have no knowledge of this account. I've disputed this account countless time & their validating the debt as accurate. However they have yet to show me verification. Under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA  they're required to promptly DELETE off all credit bureaus ( XXXX, XXXX  & XXXX ). This action has hinder me negatively, not only myself but, my family as well.

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 2019-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a inaccurate last payment for a charged off account it stating my last payment was XX/XX/2018 but the correct last payment date is XX/XX/2018 Please verify and delete all inaccurate accounts

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 2019-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Barclay has reported a negative erroneous account to my consumer credit report which is result in Identity Theft. I have no knowledge of this account. I've disputed this account countless time & their validating the debt as accurate. The account is now in collection & own by a different company recently after I disputed the account for verification. I called that company on XX/XX/2019 where it was sold too & was told that Barclay took the account back moments after. However they have yet to prove verification. Under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA they're required to promptly DELETE off all credit bureaus ( XXXX, XXXX  & XXXX  ). This action has hinder me negatively, not only myself but, my family as well.

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 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a inaccurate last payment for a charged off account for Equifax it is showing last payment was XXXX XXXX and for XXXX  it is showing last payment date XXXX XXXX Please verify and delete all inaccurate accounts

Company response to consumer: Closed with explanation