vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX  over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this 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 non-monetary relief
Consumer complaint received 2018-08-20 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have for years been blocked from receiving a free annual credit report from Equifax online. It always takes me to a web page stating it can not be delivered online and I must request it by mail. 

This is XX/XX/2018 and this seems like intentional stonewalling. I tried calling them about it once and after spending hours on hold and going through phone webs, I still never received the report. 

The most recent date I tried to access the report was today XX/XX/18, and I again was directed to the same web page, stating they can not deliver the credit report online and it must be requested by mail. There is no reason given. I haven't gotten an equifax report for several years because of this. 

Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My employer was notified about this, this year ( this is when I found out ). This is in regards to a credit card from XXXX XXXX  that I had in the early XX/XX/XXXX. This  debt was paid off. When I received the notification ( from my employer, XXXX XXXX ), I contacted a lawyer that advised me to go to the XXXX county court house and get a copy of the summons. Which I did. At which time I found out that they served my old place of residence, they served me at XXXX XXXX XXXX. I was no longer living there. I had not lived there in over 3 years. They never gave me an opportunity to defend myself at the time. 
After finding out about this " debt '' I went online to do some research and I was able to go to XXXX XXXX ( XXXX ) and I was able to log in just using the last four digits of my social security number. According to their website, I've made payments. I have NEVER made any payments to this company. When I paid off my credit card ( XX/XX/XXXX ) it was after XXXX XXXX XXXX took over for XXXX. My payment was made over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cashbak, LLC
State: CA

Complaint narrative:
This place is crawling with fraud. They try to electronically cash your check under diffrent company names. I spoke to the fraud Dept in my bank and they investigated them and confirmed they commited fraud. The bank fully refunded my money to me and concluded with saying they were also reporting cash back loans. I am also reporting them along with my bank and Im exposing what they are doing to every public website out there under their name so the public is aware. This company is fraud. Its been confirmed and Im asking the FTC to put a copy of this complaint on their permanent record.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GreenSky, LLC
State: TX

Complaint narrative:
I was approved for 12 months zero interest. However, I was charged 24.99 % monthly revolving interest rate on {$5700.00}. I was charged interest. My total balance did not reduce by the total monthly payment on XX/XX/2018. My monthly statement indicates interest was charged and my total balance reflects that charge of interest. 

This is misleading and confusing, because the promotion was for zero percent interest for 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Because of a return of merchandise purchased on my Home Depot consumer credit card, which is administered by Citibank, the account ended up having a negative balance ( credit ) in the amount exceeding {$1000.00}. 

I called Home Depot card customer service around XX/XX/2018 and requested that the balance be transferred to my checking account ( same account Home Depot card has on file that I use to pay my monthly balance ). I was told the credit will take a few business days. 

No funds have been transferred, and I called again today, XX/XX/2018, to inquire. I was then told that because the amount is over {$1000.00}, it might take up to 17 days for the transfer. 

Why is Home Depot card holding on to my cash for so long? 

When it comes to paying my monthly balance, regardless of the amount, my payment usually credits to my account within a couple days. When it comes to the reversed transaction, the company is dragging their feet to maximize the time they are in possession of my cash.

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 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was on paypal account and they offered me a credit line I read the info It said if approved use immediately an can be used at many stores also XXXX. I got approved the XX/XX/XXXX an it declines me EVERYTIME. I've called 10plus times they all say you have available funds it's the merchant call them. Well again I CALLED today an was told I had to add bank account to XXXX an use for all purchases for months to prove. I'm a good customer then they will stop decling credit .they ran my credit dropped my score 12points so I told them close it they haven't. I also got ebay mastercard same bank syncbank. An paypal is also in control of it I had no clue. They claim use anywhere mastercard is accepted. But it will not work either also dropped credit score.  I've called so many times I get transferred 3 or more times nobody will explain why I can't use it. It's fraud an false advertising. They also ran my credit 2 times while back for XXXX card I had no clue I was applying for told them close acct they didn't an it is not usable either. Reports of same issues all over XXXX reviews. They are scamming an DESTROYING PEOPLES CREDIT. I had a score in 700s now it's down 670s because of them. They run credit without approval if u ever apply for acct. Help

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 2018-08-20 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XX/XX/2018, there was a charge from a merchant by the name of XXXX in the amount of XXXX charge to my card, that Citibank allowing. I have tried to talk to Citibank and let them know the charge was fraud and not to stop the recurring monthly charges. But talking to Citibank wouldn't help. So I decided to file a compliant. I had to cancel out my card XXXX times due to this. And Citibank is still allowing it to happen. I have asked Citibank to stop the transaction, but they will reversed it. and it appear on my statement. Another charge showed up for the month of XXXX. Citibank is not listening at all about what I have to say so I have filed a compliant.

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 2018-08-20 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: IL

Complaint narrative:
the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: IL

Complaint narrative:
the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.

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 2018-08-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had credit card with XXXX XXXX XXXX XXXX. They charged off this debt and sold it to debt collector. I settled with debt collector. However, they reported that I failed to pay in XX/XX/2018 even though it shows {$0.00} balance and account status as closed. 

I had similar issue with XXXX Bank. They charged of this debt and sold it to debt collector and it's still reporting past due amount of {$1500.00} as of XX/XX/2018 even though status says closed and charged off. 

They keep updating these periodically damaging my credit and it seems there is nothing I can do about it. Please help me. 

If you look at my credit report as of XX/XX/2018 you will see both a past due amount and account status as closed and payment status as charged off.

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 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XXXX XXXX I sent a letter to XXXX XXXX XXXX BOX XXXX XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that XXXX  cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate account on all XXXX of my credit reports, The inaccurate account is XXXX XXXX XXXXi # XXXX. All the credit bureaus reported back as the account was verified, I Then contacted the bank which the address that's listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I sent the original creditor a Verification Letter asking for them to send me proof that they have my legal signature on the alleged account in the file.,,, i sent my certified letter on XXXX, XXXX 2018. They signed for the letter on XXXX, XXXX, 2018 ... .Todays date is XX/XX/2018 and they have failed to respond to my certified letter. They had 30 days to respond to the certified letter and they failed to provide me the documentation I asked for by law I am entitled to see and know what account they are saying is mines,,, I needed to see proof and I did my part,, they have violated my rights,,, I have copies of the letter that was sent and copies of the US Postal Service certified mail receipt, and a copy of the delivery noticed that they signed for my letter and today is the XXXX day,,, please delete this inaccurate account from my credit file. This is not Right that these companies don't respond to certified letters, I did my part,,,, and XXXX XXXX XXXX failed to do theirs..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that GM Financial reported a late payments/negative information regarding my account XXXX. 

I am requesting that this late payment ( s ) be assessed for accuracy. 

Since I have disputed information with GM Financial, I feel this is there way of retaliation to damage my credit report. 

This incorrect listing has damaged my credit score and questioned my credit worthiness to the extent that it may be concerning to my employer. It is extremely embarrassing and has adversely affected my reputation. 

For your reference, I have attached copies of the required documents that corroborate my claim. 

I returned a vehicle to GM Financial sometime in 2014, as a voluntary repossession. I received to letters from them regarding there process, which indicated if the car was sold, I would still be responsible for the negative balance. 

I do not recall receiving any documentation to when the car was sold, and how much the car was sold for. 

Please take a note of the dates and update my account status at the earliest convenience. Also forward a copy of my updated credit report to my address, stated above. 

Also, in response to the phone call/letter received *lender* on *date* I am requesting validation of this debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7.  Your license numbers and Registered Agent If your office fails to reply to this debt validation request, I am asking that all instances related to this account must be immediately deleted and completely removed from my all 3 credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Fw : XXXX  Confirmation Number : XXXX - Dispute Received HSBC has engaged in a deceptive business practices related to my dispute. Where HSBC blocked my capabilities to make payments and at the same time commenced charging me interest. Since my initial complaint to HSBC nearly 4 months ago, I have received XXXX ( XXXX ) letters from XXXX XXXX, XXXX, Customer Relations dated XX/XX/2018 ; XX/XX/2018, XX/XX/2018 and XX/XX/2018, the latter received today, XX/XX/2018 all of which informing me that my complaint was being investigated. 

However, HSBC sent another threatening letter dated XX/XX/2018, HSBC Collection and Recovery Department, demanding a payment of {$140.00} believed including interest for which I do not believe I owe given the fact that HSBC created an inability to continue monthly payments. The interesting fact is that the two HSBC entities do not seemingly know what the other is doing and possibly the root cause of this entire mess created by HSBC. 

One of HSBC XXXX sends a letter dated XX/XX/2018 confirming prior letters that this matter is under investigation while HSBC XXXX and XXXX Department on XX/XX/2018 between the HSBC XXXX, XXXX XXXX, letters of XX/XX/XXXX and XX/XX/2018 sends an HSBC Letter of Demand on XX/XX/2018? XXXX See Attached letters ) In closing, to resolve this matter three ( 3 ) things must take place : ( 1 ) re-establishment of my HSBC in-line capabilities for making credit card payments and the reinstatement of my previous credit line ; ( 2 ) removal of all interest charges commencing XXXX, 2018 ; ( 3 ) written apology for having to endure HSBC Maltreatment and obvious harassing business practices. 

Respectfully, Signed on this the XXXX day of XX/XX/2018 XXXX image

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX Bank

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 2018-08-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I received an alert showing that an inquiry for XXXX XXXX XXXX appears on my credit report. Because I did not authorize this inquiry nor had any knowledge of it, I immediately contacted XXXX XXXX XXXX at the number listed on the inquiry ; who instructed me to file a dispute with Experian. After calling Experian, the inquiry still has not been 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