vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 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:
RE : DELETIONS TO CREDIT REPORT Dear Equifax, XXXX, XXXX : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened inXX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I have been disputing two charges with CapitalOne since last XX/XX/XXXX. ( CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX   ) The dispute regards two Charges : One made XX/XX/XXXX for {$1300.00} and the other made XX/XX/XXXX in the amount of {$1200.00}, Totaling {$2500.00}. The merchant was XXXX XXXX The first charge was made XX/XX/XXXX in the amount of {$1300.00} to XXXX XXXX to purchase a treatment given that day, and future treatments. I disputed this charge because the merchant did not get back to me despite my repeated efforts to schedule future appointments.

The second charge was made XX/XX/XXXX because the merchant called in such a fury that I was intimidated into giving her my credit card again. This time the amount was {$1200.00} because I had sent a check in the amount of {$100.00} to cover the treatment that I had received on XX/XX/XXXX ( {$75.00} plus a {$25.00} tip. ) I provided 30+ pages of emails and letters CapitalOne showing my efforts to either be reimbursed or to receive gift certificates from the merchant. The owner XXXX XXXX even alluded to bringing the certificates for treatments to me in XX/XX/XXXX. There was always a strange excuse for why they were not brought to me, including that she did not know where the place I was working was, despite the fact that this is a very small town and the place was just 3 blocks from her salon, on the same street. Since then, the business is closed and I can not locate the merchant.

I also sent certified letters to the merchant, which were returned, and contacted XXXX XXXX XXXX  ( they received no reply from the merchant ), and sent a friend to the place where I received the treatments ( the business is no longer there. ) During this time I have made every effort with CapitalOne to remove the two charges, but I have had no success. Each time I called, I had to rehash the same story to a different person. I received no services for the two charges which total {$2500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Perfection Collection
State: NC

Complaint narrative:
Perfection Collecton took over a debt that XXXX originally had. I explained to Perfection Collection that I never signed a contract with them or XXXX for a security system. I also condacted XXXX  to let them know the same thing. This is a debt for {$1500.00}. Upon asking them for method of verification that I signed a contract and gave my information, as well to let me know the service address that XXXX was used for, neither company was able to produce it and refuse to delete it from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I called Everbank to take them up on there offer the " XXXX Trial Period Plan ''. Since my house is in foreclosure. I called them on XX/XX/XXXX and the lady told me she would stop the foreclosure process and I told her I can call tomorrow with my paymentXX/XX/XXXX. So that is what I did, I made a payment to EverBank for {$350.00}. I thought everything was fine ( alot less stressed out I have been in my home for19 years and I have alot of equity built up and I feel they are taking advantage of me ) So I called back onXX/XX/XXXXand made another payment of {$350.00}. I asked the lady why they did not stop the foreclosure and she said they did and I said really that's why a sheriff sale was listed for my case on XX/XX/XXXX. She told me I needed to contact there lawyer? What? After I made my first payment on XX/XX/XXXX I recieved a letter from there attorney on XX/XX/XXXX stating that EverBank was still going to proceed with the foreclosure. I was lead to believe they was stopping the foreclosure while I was on the mod trial period. IMy relationship manager XXXX XXXX  told me the foreclosure is stopped, reaffirming more than one time that they stopped the foreclosure and told me I could make my payments anytime during the month. So now I am wondering why my house is listed for a sheriffs sale? I really thought my bank wanted to help me. They are dual tracking me right now and I have read this is not the first time EverBank has done this. This is why I am making this report cause I think what they are doing is illegal. Your help is greatly appreciated in this matter of me staying in my home or being homeless. Thank you! They have tacked on so many lawyer fees my head is spinning. I owed {$28000.00} before all this 6 years away from payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
Hello, I have attempted to contact Midwest Recovery Systems ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX ) twice but the company has refused to respond. This company has reported a negative collection account for {$610.00} to all three bureaus. I have no knowledge of this debt or the company and I certainly did not sign any agreements with them. Prior to the appearance of this debt on my credit reports, Midwest Recovery never contacted me or sent a notice of my right to dispute. The company did not send any documents to me, simply placed an inquiry and reported a negative collection account. 

I last attempted to dispute this debt directly with this company by requesting a debt validation via certified mail and the company received it in their office on XX/XX/2018. To date, I have not received any correspondence from their office and I have given this company ample time to respond to multiple requests asking for validation of this debt. In this case, I would like for this company to delete the and cease reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
There is an inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. I have called them to call the credit bureau and tell them I never applied for anything. All they tell me is that it's not their problem. So rude they made the inquiry without me knowing and now they will not fix it. I NEVER applied here for credit and furthermore I don't even live in California.

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 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Account Services Group, LLC.
State: CT

Complaint narrative:
For the past 6 years or so I have repeatedly been contacted by a credit collection company claiming very vaguely that I have not responded to paperwork sent to me for a debt they claim I owe. 2 years ago they actually contacted my elderly parents at their home and indicated that they were looking to serve me. I have not ever lived at this particular address of my parents, nor have I ever lived in that State ( New Hampshire ). 

When ever I call and speak with them they claim I owe for a debt that was paid directly to the creditor at least 10 years ago, the account no longer appears on my credit report and I have since moved and can not find my paperwork for the account. They claim I owe the debt unless I can prove otherwise and they insist that they are going to serve me. 

It happens like clock work about this time each year and then I threaten to have my attorney call them and I ask them to stop contacting me and they stop for about a year. I have to date NEVER received any paperwork from them and they refuse to speak to my attorney. 

Today the company that called was XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mar Joe Enterprises
State: OK

Complaint narrative:
A debt collection company who identifies themselves as XXXX has been making several illegal robocalls to my cellphone and hasn't even sent me a validation letter. I've had no written. I have no idea what they are accusing me of owing them. I'm not aware of any possible debt that would be in collections. All I know is they have been sending robocalls to my cellphone without my permission. This began in XXXX and the last automated message was sent onXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: NY

Complaint narrative:
On XX/XX/2016, a court order was issued vacating a XXXX XXXX   judgment, I contacted Trans Union and forwarded them a copy of the court order, they were contacted three times about this matter, they fail to remove the negative information from my report, because of that my credit standing was affected with other lenders causing a financial meltdown, the information is still listed on my credit report, please be advice that when a court vacates a judgment, it is as if the judgment never existed, therefore all information related to this matter must be completely removed from my credit report, a vacated judgment should never remain on anyone report, I believe my rights has been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: MO

Complaint narrative:
Back inXX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports onXX/XX/XXXXbut not all 3 credit bureaus have added the above creditor back on my credit report in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Back inXX/XX/XXXXI did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report inXX/XX/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 2018-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My XXXX XXXX Card account was acquired by Capital One sometime inXX/XX/XXXX In XX/XX/XXXX XXXX  issued a large interest refund check to me for over-charging interest on my account balances, beginning in XX/XX/XXXX. Chase stated that my interest rate should have been prime + 5.99 %. I asked Capital One to investigate why I was currently being charged interest at a rate of 20.49 %. I have made all payments on time, and I have done nothing that would have allowed Capital One to subject me to higher interest rates than what I had with XXXX  at the time of the account acquisition. I initially contacted XXXX XXXX XXXX, at Capital One 's headquarters in XXXX, Virginia. He referred me down the line to individuals ( " XXXX  '', " XXXX  '', " XXXX '', XXXX XXXX, XXXX XXXX ) who repeatedly promised to review my account. It has been well over two months now and I have not received a substantive response to my request for an interest rate review and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo checking account in XX/XX/ 2017 under the terms " open a new wells fargo checking account, and have 3 consecutive months of direct deposits of $ 1500+ or more to receive a bonus of {$300.00}. I have had more than 3 consecutive months of direct deposits ( each over {$1500.00} ) but still have not received the bonus! Wells Fargo has told me to wait 45 days after completing terms for bonus. It has been 3 months since completing the bonus and still have not received the account opening bonus! Wells Fargo is not delivering the bonus they promised me when I opened my account. They are misleading and running a FALSE promotion!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery is a debt recovery company. I dont have a signed contract with them. The couldnt produce the proper documents when asked for method of validation to show me that my signature, Identifiation etc was on file. They couldn't produce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
No valid reason, all conflicting lies, no evidence to their hearsay. OPM credit restoration will seek the damages from Citibanks behavior. Written notices have no reason. Citibank is holding money for no reason other than that they have shown to me they hate XXXX XXXX people, called me XXXX XXXX, accuses me of fraud for filing the first dispute ever with them and their so called zero liability. Only zeros I saw was zero liability for Citibank. Conversion and Discrimination at its best, all you have to do is listen to the 40 plus hours of phones calls I made and hear the unorganized chaotic mess, lies, and retaliation the Citibank representatives bestowed upon me and my family. I still belive the actions one or two indivuals set the Company that I loved to one that I can not believe treated me like this. Attached are corespondence, still as nothing is wrong with my accounts. Notice the closure letter is XXXX and XXXX, whomever did this is the person responsible, they also werent brave enough to tell me because they know what they did is not right. I have to change my name because of uneducated racist individuals. Btw to all readers, The Bank is the Law. Nothing will happen from this report as it never does. But it does feel good being brave enough to speak the truth rather than hiding behind your office chair and messing with consumers lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/XXXX I called Freedom Mortgage Company to make sure my loan payment had not changed due to receiving a renewal from my homeowner insurance company. Upon listening to the recording it stated that my XX/XX/XXXX payment was due. That was incorrect because I had paid my payment on XX/XX/XXXX through my bank online bill pay. My account showed the amount was delivered to Freedom Mortgage on XX/XX/XXXX. I spoke with the rep for Freedom Mortgage who stated they did not receive the payment. I called my bank XXXX XXXX XXXX XXXX ( XXXX )  who stated the payment was electronically processed and they should have received the payment. XXXX provided the tracking numbers to Freedom Mortgage. I was told that I would hear something back from Freedom Mortgage on XX/XX/XXXX but I did not hear from them. I call them around XXXX on XX/XX/XXXX  and the recording stated that I owed for XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a rep and was told that I did a stop payment on a check on XX/XX/XXXX. Which I did not do. Freedom Mortgage took my XX/XX/XXXX XX/XX/XXXXand applied to a check # XXXX in the amount of XXXX dated XX/XX/XXXX which was lost in the mail. I was advised by the local post office and Freedom Mortgage to wait before I placed a stop payment on the check due to the bad weather in Ohio in XX/XX/XXXX. On XX/XX/XXXX I put a stop payment on the check. I spoke with a rep on XX/XX/XXXX to bring my account up-to-date so I could receive my escrow check. I specifically asked the rep on XX/XX/XXXX if they had ever received check # XXXX and he stated no but the check was sent to my bank on XX/XX/XXXX and was rejected because of the stop payment. No one can at Freedom Mortgage can tell me where the check has been for a year.. My payment on XX/XX/XXXX was {$2400.00} and that payment was delivered to Freedom Mortgage on XX/XX/XXXX which brought my account up-to-date. I received my escrow check shortly after that date. I would not have received the escrow check if my account was not up-to-date. I have paid all my payments on time since bringing the account up-to-date. Now Freedom Mortgage took my XX/XX/XXXX payment and applied to the check # XXXX   dated XX/XX/XXXX that had the stop payment on it. Now they are saying I owe for XX/XX/XXXX and XX/XX/XXXX as well. No one is returning my phone calls and whenever I speak with someone they are telling me something different each time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I contacted IQ Data International regarding an outstanding debt that appeared on my Credit Report. IQ Data International informed me that they would reduce the total balance due to {$3500.00}, accept payment of {$1700.00} today ( XXXX ) and send me a letter/receipt showing that my outstanding balance would be {$1700.00}, due by XX/XX/XXXX. After I made payment of {$1700.00}, IQ Data International sent me a letter ( via email ) saying that I owed {$3500.00} due byXX/XX/XXXX. I contacted IQ Data International and asked for a " receipt '' for the {$1700.00} that I paid, including a remaining balance-due notice. IQ Data International refused to send me a written-receipt of payment and remaining balance due. When I reminded them that that was a violation of our agreement and illegal, IQ Data International said that I was committing fraud if I did not pay them. Regardless, I ordered a stop-payment from my bank and notified them of this illegal behavior. IQ Data International representatives were very hostile and made no attempt to honor our agreement or the law when they refused to provide a receipt of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.

Company response to consumer: Closed with explanation