vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc
State: OK

Complaint narrative:
I believe the XXXX XXXX XXXXXXXX or Financial Credit Network is attempting to committee fraud and collect an amount that is not do. I normally don't ask for itemized statements, but as of this time I am asking that the XXXX XXXX XXXXXXXX through them or FCN provide me a bill for each of these months listed below. 
bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX these bills need to include all meter reading and payments applied, As of what you sent me you show that as of XX/XX/XXXX that I owed a bill of {$300.00} billed at a rate of {$78.00} a month, This would show that I had made no payments since the start of service, and then 3 more bills sent out after that or service stayed on for another 3 months with out payment, just to clear up what im saying is NO UTILLITY COMPANY WILL COUNTINUE TO GIVE SERVICE WITH OUT PAYMENT OF MORE THEN 2 MONTHS, but your company is claiming that I received 6 months of service with out payment, I believe if I owed them {$300.00} by XX/XX/XXXX that the would have cut off services and not continue to bill an additional months, so at this time I do believe that fraud is being committed and that if this information cant be provided as requested in the next 15 days for I have already contacted financial credit network several times, that im left no choice but to file civil action and contact the State Attorney Office to investigate for criminal charges, and the Utility commission as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX, Transunion and XXXX have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.

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 2018-11-11 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: OR

Complaint narrative:
XXXX, XXXX and Experian have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.

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 2018-11-11 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I had a XXXX XXXX membership card with a Credit card issued by Synchrony Bank. The Account Number was XXXX XXXX XXXX XXXX. The said account was replaced with a new Master Card issued by Synchrony Bank bearing Account XXXX XXXX XXXX XXXX XXXX. However it seems the old account was never closed by Synchrony Bank. I have been using new XXXX XXXX card and associated with Account # XXXX XXXX XXXX XXXX. 
I recently noticed old account was never closed and I was un aware and recently I got reported a delinquent payment of {$14.00} and it impacted my Credit Score negatively.

I spoke to Synchrony Bank person and have closed the account which was supposed to be closed when a New card was issued in lieu of old account but they have not corrected the issue.

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 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
After the major data hack that happened to Equifax in XX/XX/2017, I did sign up for the remedial credit monitoring and protection service being offered by Equifax but to my surprise, Equifax sent access information to my wife only. I waited forever expecting my own log-in credentials to arrive in the mail, it never came. I do not know Equifax 's explanation for this denial of service after having carelessly exposed my data to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ID

Complaint narrative:
Ive applied for the temporary extension public service loan forgiveness ( TEPSLF ). They denied my application because the payments I made 12 months prior to applying was less than what I am currently paying. The problem : my payment is income driven so the amount will always be less than the previous 12 months if I get a raise AND the payment is determined by the same company that has denied me. Its a no win situation and designed to make it nearly impossible to qualify for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMERICAN EXPRESS - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my American Express because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.

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

Complaint narrative:
There is a charge in the amount of {$450.00} on my credit card, posting date XX/XX/2018. 

I do not recognize this chargew. 

I contacted citibank, and they indicated that, according to their records, this charge was made with the credit card physically presented. 

The only option given to me was to state that this was a fradulent charge and the card would be cancelled. 

To avoid this, citibank said they would send me details of the charge by mail within 7 to 10 days.. 

On XX/XX/XXXX, I again contacted citibank to check the status of my request. 
I was then informed that I would have to wait 6 to 8 weeks to receive this information. 

I then requested that a temporary credit be issued pending the resolution of this dispute ; I was told no, even though this is standard practice of other credit card companies.

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 2018-11-11 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: TX

Complaint narrative:
XXXX XXXX - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my XXXX XXXX because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.

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 2018-11-11 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: TX

Complaint narrative:
XXXX XXXX - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my XXXX XXXX because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my XXXX XXXX because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.

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 2018-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to XXXX on XX/XX/XXXX of 2018 to ask an estimate od the cost od their new models as I am planning to buy a new car next year. I told the sells person i wasn't going to buy, I just wanted the price. She said she needed my drivers license to show me the models and give me an estimate. They asked me to feel a form and said they wouldn't do any hard inquires, for my surprise I have found they have put 3 hard inquiries on my Transunion and 2 hard inquiries on My XX/XX/XXXX. I never agreed with that and I never bought a car from them.

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 2018-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
On XX/XX/2014 account was opened. I went to the dentist but used my insurance which everything should had got paid for. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
On XX/XX/2018 we went to XXXX  XXXX XXXX in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XX/XX/2018 Capital One has sold my account ( # XXXX ) to XXXX XXXX XXXX XXXX. But Capital One is still reporting this account on my credit file XXXX  XXXX and XXXX as a charge off. The information on this account do not match, date of last activity are inaccurate. Further more Capital One no longer owns this account so it must not be reported by them and deleted or removed from my credit file permanently. Pls investigate and send me any updated information on this complaint. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: Nelnet, Inc.
State: IL

Complaint narrative:
Total XXXX  XXXX expunged my student loans because I am totally and XXXX XXXX. Then the nelnet office reinstated them even though I get SSI and my doctor signed their paperwork like 25 different times on 25 application for about 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Moria Development, Inc.
State: NE

Complaint narrative:
Several of my mortgage payments have been mis-allocated when received by the mortgage company, resulting in a claim by the bank that I have missed payments and resulting in negative information being reported on my credit report. I previously filed a complaint, and the company responded that they were able to find two mis-allocated payments but were still missing the XX/XX/2018 payment. The bank claimed that they attempted to reach out to me to resolve, but I have received no written response from the lender, and had previously blocked their phone number due to harassing phone calls I received regarding missing payments that I had in fact paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX will not respond to several requests for validation of debt put on my credit report. Nor will they send me a copy of the HIPPA release to even verify a debt they say I owe. Now there is Applied Business Solutions/XXXX XXXXXXXX XXXX trying to collect on a debt that I don't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
CHEXSYSTEMS Consumer ID : XXXX XXXX  XXXX XXXX checking account ending in XXXX was reported to chexsystem by XXXX as " Suspected fraud activity ''. 

After filing the dispute chexsytems, they told me XXXX XXXX XXXX reported information was verified. 

But now they reported closure status : " SETTLED IN FULL '' - Attached copy of investigation from chexsystems. 

I have disputed transactions on XXXX, but they closed down the account and reported it " SUSPECTED FRAUD ACTIVITY ''. Account has no balance as stated in the investigation letter by CHEXSYSTEM Report. 

I have every right to report any transactions i didnt do as " Unathorized '' with the bank. But XXXX closed out the account because it has a balance i had to pay for some of the disputes that i lost which i should have won. They reported it as " suspected fraud activity ''. 

It is very unfair and it has a very barring affect on my life. Please help me settle this removal of " fraud ''. 

I am willing to provide and go to press if requested. Please check the attachment of the investigation letter from Chex. 

Thank you, 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 explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I signed up with Telephone/Internet/TV with Service Provider Name : ( XXXX XXXX ) also made a Security Deposit of at least {$150.00} which was never returned, I also contacted XXXX by telephone to discontinue service end of XX/XX/XXXX, because I was moving and also paid by bill of XXXX, XXXX which I should have received an Refund!

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 2018-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Nextep Funding LLP
State: PA

Complaint narrative:
I bought a puppy from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX An I got her on XX/XX/XXXX and she got sick and took her to XXXX XXXX XXXX of XXXX XXXX to find out she was in Critical condition with many issues. Got a bill for couple hundred dollars. They call me and told me she was getting worse. I stayed with her for couple hours and she was throwing up and having issues. Took her back to XXXX XXXX and the owner wants to act as if she fine. The dog cant even stand up and said I can get a full refund and the story changes. As im leaving the owner wants to tell me that the dog is fine she just ate. The dog has not been able to hold food in any way. I finance the dog threw. Hello Funding LLC.

I bought 2 dogs in which the other dog has issues as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Reviewed my credit report last week and saw that chase card services was reporting a balance of {$3500.00}. Please produce validation of this account per FCRA regulations.

Company response to consumer: Closed with explanation