vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: NC

Complaint narrative:
There was a late payment made on the account, which was not negated, however, I sent a letter to the company after I corrected the payment default and asked for a goodwill adjustment. The late payment was totally my husband and my fault, as we thought the other had made the payment. I explained the circumstances to the company and never received a response.
Since then, we have refinanced the car with another company and the account with XXXX XXXX has been closed and paid. XXXX XXXX continues to make monthly adjustments to the account. The late payment happened in XX/XX/XXXX. On my husband 's credit reports, he 's seeing different months of default. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. XXXX  is reporting XX/XX/XXXX. On my report, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX.
The negative payment is already reporting negatively, but to see an update to the date getting changed every month is hurting even worse.
Throughout the entire course of the loan, we have only ever been late 1 time and fixed it as soon as we saw that we were late. We can understand not being forgiven for the 1 late payment, but to continuously update our credit reports with incorrect information is inexcusable. I would hate to have to file a complaint with the Better Business Bureau over the information. We are in the process of purchasing a home and this information is reflecting poorly on our loan process.

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 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I was contacted several months ago about a payday loan my son had apparently made with a finance company in the town near where I own a house. When asked, they said my son put me as a reference. I told the girl at the finance company that I would contact my son because I knew nothing about him getting a loan, but if I confirmed made a loan with them, I would tell him to call her immediately. When I ended the call with the finance company representative, they were told, clearly, that I was not to be contacted about this matter again unless I was going to represent him legally ( I am a lawyer ). I then was shocked and surprised to learn from my son a half hour later that he did get a {$250.00} signature loan, and lost his job the week before I got the call. He had made some payments, but not once he was laid off a job. I knew the week before the call that he had become unemployed, but knew nothing of the loan, the girlfriend 's loan, or anything about money issues. I have received approximately 20 phone calls in the past 4 months since the first call. They are usually on a Thursday, but sometimes on Tuesdays and Thursdays in the same week, each asking me to have my son call them. This week ( XXXX XXXX, 2017 ), I had a call on Monday and today ( Friday ). I am being harassed over a loan I did n't make. I did n't know about and a loan and I would have told my son never to go to one of those rip-off places. AND I am not responsible in any way to pay back to loan or communicate with my son about the loan. I am not his lawyer, partly because I live 300 miles away. The collection agents are not demanding money from me, but they are doing everything to harass me to see if I will pay the loan for my son. The majority of the calls go to my voice mail, but I have talked with them on three occasions ( the original call, and two more ) and I have said the same thing - DO N'T CALL 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 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Asset Management, LLC
State: GA

Complaint narrative:
After being discharged from bankruptcy on  XX/XX/XXXX  . This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of  XX/XX/XXXX   thru   XX/XX/XXXX  . None of which is true. I have lived in the same complex since   XX/XX/XXXX  . They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??

Company response to consumer: Untimely response
Consumer complaint received 2017-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
bought a laptop at  XXXX  for {$430.00} on   XX/XX/XXXX    .   returned it on XX/XX/XXXX   .   a week later funds have not been returned to my account.   was told can take  two  weeks to get my account credited.   who is holding my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: FL

Complaint narrative:
X/XX/2017 XXXX XXXX Once again a major mess with Experian and one takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again WAIT AGAIN! WAITING. AGAIN!!!! 1- XXXX UPDATED EXPERIAN XXXX XXXX INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO. EXPERIAN WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT. 3- NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED 60-90 DAYS -- 4- BEING DENIED CREDIT SINCE XXXX XXXX READY TO SUE ALL!

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 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,  XX/XX/XXXX   ,  I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to Equifax disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. Equifax wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for Equifax to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was Equifax able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, Equifax also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of Equifax 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank of America X/XX/17 and they would not refund the {$35.00}. Spoke to a customer service rep then a manager. I told them I would contact the CFPB I am contesting an overdraft fee of {$35.00} which Bank of America will not refund. Bank of America did cover an overdraft of XXXX on X/XX/17. <P/>Deposits were made to stabilize my account X/XX/17 So, 4 days money cost me {$35.00} which my estimate is 60 % interest on a 4 day loan This XXXX article mentions the CFPB telling customers to beware of this fraud XXXX XXXX XXXX Bank of America

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 2017-07-14 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: FL

Complaint narrative:
I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
SEARSCREDIT.COM.. log-in easy. But, then tried to redeem almost XXXX rewards points. [ 1 ] Sears dumps its own card holders onto a different web site run by citi.com [ citibank ] ... [ 2 ] Then, impossible no matter which alternative sign-on or verification or new register with THAT website sign up to actually get this Sears-contracted-out website to property acknowledge CORRECT searscard.com info as log-in in order to obtain rewards.
[ 3 ] THAT website repeatedly EITHER WRONGLY says the later-in-process data entered is wrong OR it WRONGLY logs me off even though I did not seek to log of ... [ 4 ] This scam by sears dump-off so it can claim it has nothing to do with the problem is a disgrace. Sears should TAKE RESPONSIBILITY for the citi.com website REPEATEDLY NOT WORKING CORRECTLY. I/we have EARNED these rewards, they are not a gratuitous gift at the whim of Searscard.com. I/we want my/our rewards. [ 4 ] Also, searscard.com 's internal " secure '' e-m does not work either -- - Sears does NOT respond OR it theoretically responds, but its bad IT workers dont allow customers to actually open the reponse " secure '' e-m with SPECIFIC ways to deal with the problem OR simply help us out and order the 2 Sears reward card ( s ) we want [ for {$100.00} and {$25.00} ] ..

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 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: MD

Complaint narrative:
I discharged the alleged debt with Maryland State Comptroller by sending several negotiable instruments and according to UCC3-603 once a debt says that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. <P/>My letters are asking for pertinent information that they would not answer according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and 15 USC 1692 ( g-j ). I also asked about the original contract and original signature with them along with buying the debt for pennies on the dollar from Maryland State Comptroller. The alleged debt they bought it for {$440.00} and it became {$460.00} and reduced it to {$49.00}. How is that possible? <P/>Therefore, I am filing a complaint with your agency against Penn Credit, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: AZ

Complaint narrative:
I started the request for assistance in in XXXX, and signed the move forward loss mitigation program agreement onXX/XX/XXXX ( see copy attached ) to continue the process. I completed my Trial Payments and then followed the Final Modification Agreement with the Approval Letter dated XX/XX/XXXX ( see attached ) Upon receipt of the Final Agreement I signed it had it notarized as required. I called Selene and asked what was the quickest way to get the documents back to them and I was told I could do one of three things ; Fax it, Scan and email it, or send it my mail. In order for them to receive it immediately, I scanned and emailed, never once was I told that I still had to mail in the original documents. This is the issue : After the emailed documents were accepted I started to pay the amount of payment as modified {$800.00} and I have been paying this amount since XX/XX/XXXX. I have not missed one payment all have been on time ( see XXXX XXXX XXXX. statement attached ). So for almost a full year no one had ever told me that my original documents were still needed and they kept accepting the modified payments. Two weeks ago I receive a letter dated XX/XX/XXXX that my modification has been cancelled due to original Modification agreement not being sent in to Selene. If this was an issue WHY did they not tell me sooner that the end of XX/XX/XXXX? this is a complete error on their part. Now, I have a foreclosure date of XX/XX/XXXX due to them stating I am now behind on my payments. Again, I ask WHY NOW??? they had so much time to let me know as I have talked to so many Selene Financial Reps and no one ever said the emailed copies were not sufficient. I can not believe I am losing my house due to SELENE 'S error. Please help this is unacceptable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit Financial Corp.
State: FL

Complaint narrative:
Some years ago my information was used to obtain a used car from XXXX XXXX XXXX in XXXX, FL that has since closed. After getting paperwork in the mail " thanking me for my purchase '' I immediately went down to the lot where the manager gave me the number to the financial provider for the car and would not give me the information on the person that actually got the car. After contact the loan provider we got things situated and my information was " deleted '' off of the car and everything had went back to normal. In XXXX I pulled my report and noticed that Summit Financial has started reporting for the balance of {$8000.00} for the XXXX XXXX that I did n't own or posses. I immediately contacted them and the loan officer that i had spoke with prior to see what the deal was and why it was still connected to me. I was told since my name was originally on the paper work even after having my name removed ; that It still had to be reported to my credit. Even though I found that hard to believe. They had me to believe that even though i had no ties with this loan ; it had to sit on my credit for 7 years according to Summit Financial. I am preparing to be a homeowner and had a meeting with my banks home loan manager and pulled my credit all for me to find out that Summit Financial never even after 7 years deleted this off of my credit. They actually reported for an extra year. NOW, adding fees and renewing this debt that I do not owe them! This getting out of hand with the lies and the run around that i 'm getting at this point.

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 2017-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have had a loan with  XXXX  now Navient since  XXXX . The original loan amount was {$10000.00} after some 13 years of payments I still owe {$8400.00}.  <P/> Loan Status Repayment Repayment Plan Full Principal and Interest - Ends   XX/XX/XXXX   Repayment Start Date   XX/XX/XXXX   Estimated Payoff Date   XX/XX/XXXX   Ready to pay off this loan today? Here are the amounts : Show more information about Loan Payoff Online {$8400.00} By  U.S.  Mail {$8400.00} Unpaid Principal {$8400.00} Current Balance {$8400.00} Interest Rate 14.250 % Interest rates on private loans are set by the lender.   Interest Type Variable School   XXXX   XXXX   XXXX   Lender NAVIENT Disbursement Date  XX/XX/XXXX   Original Principal {$10000.00} I need some help, these terms are awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
I have provided written disputes with L.J. Ross collection agency on three different occasions requesting validation of alleged medical debt from XXXXXXXX XXXX XXXXXXXX of {$98.00} and {$140.00} on my XXXX, XXXX and XXXX credit reports. I was never sent validation of any contracts, signatures or copies identification card. I was sent details of hospital bills only. These are not my debts and are not associated with me. This is a violation of the Fair credit Reporting Act and Fair Debt collection Practices act for failure to validate any of the alleged debts. I am requesting these debt be deleted from each credit reporting bureau. I also have all written communication betweenL.J.Ross and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.

Company response to consumer: Closed with explanation