vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
no response at 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 non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Funding called a relative who is not on the account the amount that I owed. I contacted Midland letting them know what they did was illegal and they have not contacted me back what options do I have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 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: PA

Complaint narrative:
i did not have a contractual obligation with XXXX XXXX they are so inaccurate they have all kind of different dates saying i open the account they are so inaccurate its 7 years now and sould fall off my report saying i open account on the XXXX/XXXX/XXXX and on the XXXX/XXXX/XXXX this account need to be deleted from my report and not reporting no data

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 2017-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: OR

Complaint narrative:
After graduation, I put my loans into deferment so they would not have to be re-payed until XXXX. In XXXX, I had consolidated my loans and the representative said that ALL of my loans would be consolidated. I had sent her all of the Loan information received from my school showing which loans paid the school and how much each loan was. I had made my XXXX payment with the consolidation in XXXX. Every payment I had made with the consolidation company was on time. During this time, I had plans on purchasing a house. In XXXX, we had gotten preapproved and started looking at houses. We had put an offer down on a house late XXXX, and when they ran our credit once again, it showed up with XXXX over XXXX day late payments to ACS. I had never received a bill from ACS. They have never tried to contact me, but they reported on my credit report that I was over XXXX days late, and now I am reporting XXXX days late. This is significantly affecting my life, as now I do not qualify for a mortgage. ACS made no attempts to collect, and as shown on their website I have never made a payment and that is because I was unaware a payment was due. In XXXX, ACS had sent me a XXXX  statement which showed the XXXX loans I owed, and what my Yearly Interest rate would be, and showed on the XXXX statement that my XXXX payment would not be due until XX/XX/XXXX. If I was sent a XXXX XXXX XXXX statement, with information showing that I did not owe a payment until XX/XX/XXXX, how would it be that when my credit report was pulled in XXXX, I show XXXX days late? When speaking to ACS, They can not provide me an answer as to why I was never sent an invoice, and why they failed to contact me to inform me my loan was over XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I make regular purchases on this account for my business in the sums of $ XXXX {$2000.00} and have done so for a few years. I always pay my bill early so as not to incur fees. 

This time I paid a portion of my bill electronically through my bank on XXXX in the amount of {$1500.00} Please see supporting documents. 

On XXXX you will see ALLY put a " Payment Hold '' on my credit card for {$1500.00}. This does not allow me to charge that amount on my card as they state they have not actually " received the payment '' .. 

I called on XXXX to see why I could not charge {$92.00} for business and there was not enough credit available ( please see supporting documents XXXX. I was told that they do not actually have the money and the account is not paid and this hold will not be released until the XXXX of XXXX. 

I want to know what they are doing with my money and why when I pay my bill it 's no longer actually paid ( this is a new thing they are doing ). I also do n't want them putting credit " Holds '' on my payment so I accrue more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: AL

Complaint narrative:
I have contacted the company and the bureau on several attempts. The accounts are reporting inaccurate on my credit file. I have no knowledge of these accounts XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today I received an email from XXXX XXXX XXXX XXXX that my request for a " Loan '' was " Denied '' because of false information on my " Experian '' credit report. I then immediately called " Experian '' at XXXX, explained to them professionally what just happened to me and asked for my " Free Copy '' of my " Experian '' credit report. They responded rudely by saying " No '' and hung up on 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 non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: CT

Complaint narrative:
UPSTART NETWORK INC is reporting that {$31000.00} is owed to them and listed as a derogatory account, yet I DID NOT open an account with Upstart Network Inc. According to XXXX and XXXX, this loan is a private education loan, yet I am not in school. I enlisted in the XXXX in XXXX, and I have been an XXXX XXXX service member since that time. I get XXXX in less than one month, and I need this rectified quickly. 

I have maintained credit freezes on all three credit bureaus, due to identity theft. Upstart Network Inc. is reporting on my XXXX and XXXX credit reports. Upstart Network Inc needs to remove the derogatory collections accounts from my credit files. I give the CFPB permission to post this publically, so other consumers can be aware of the unlawful business practices Upstart Network Inc carries out.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am appealing a rejected dispute regarding the adjustments I should have received along with my disputed credits. I 've been receiving generic responses about this. I am disputing some charges made by Capital One. Betwee
n 8/2016 - XX/XX/XXXX you should notice monthly fees.. all of which were about {$5.00} each month described as Interest Charge Purchases. Since XX/XX/XXXX there werent any transactions. The entire total was purely due to XXXX ( disputed merchant ) recurring {$9.00} transaction that was quickly adding up but now is all voided due to my dispute with them. The total balance throughout those months would have been low.
In the adjustments received onXX/XX/XXXX labeled as Fee / Financial Charge, I only received deposits of a few cents each, all around but mostly below {$1.00}. Those Interest Charge Purchases credits should have been greater for those 11 months. Its about {$55.00} in fees that were accumulated unfairly. I only received {$15.00} from those fees in the adjustments. Meaning, I still am pending a credit of approximately {$39.00} based on fees into my XXXX XXXX XXXX.
The {$9.00} credits are for the " XXXX '' disputed transactions but I am referring to the fees. Again in XX/XX/XXXX, I was being rebilled {$29.00} which may have caused an increase in fees. " XXXX '' decided to deposit that amount into to my card since Capital One was n't crediting it even though I sent documentation with evidence that I know was received repeatedly. I 've tried to resolve this via phone, chat, and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
Credit Acceptance is reporting that I have an unresolved balance with their company for {$2700.00}. However, this balance was included in a Chapter XXXX bankruptcy that was XXXX some time ago. Credit Acceptance is violating federal bankruptcy law by continuing to report that I owe them for this loan.

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 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I received a letter on XX/XX/XXXX from XXXX XXXX XXXX claiming I owed {$850.00} to XXXX XXXX. I have never used XXXX and have never had cable. I went online and it seems they are sending out letters to people saying they owe money for Cable services they never received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ascend One Corporation
State: TN

Complaint narrative:
I took over a mortgage cause the owner passed away I have fallen behind on payments but I will be able to pay the next payment plus a little more to try and get caught up I need help to see if the bank will work with me

Company response to consumer: Untimely response
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My family and I traveled to XXXX in XXXX XXXX. While in XXXX, my daughters bag was lost by the airline and subsequently delivered 6 days later. When the bag was reported lost, we called Chase Credit Card, since our tickets were purchased on the card and a benefit of the card was that they would reimburse me {$100.00} for every day the bag was delayed. I was told that they would only pay if the airline did not pay me a reimbursement as well. As a result, I did not file a complaint / claim with the airline. For 3 months, the bank has stalled, lied and completely mishandled my claim. They finally came back and told me that they could not pay because I did not get a letter from the airline stating that the airline did not pay me. When I finally got the statement from the airline, I am being told that they are still unwilling to pay. They have reviewed all my documents, over and over and over, and each time attempt to stall me. Their behavior and subsequent customer service clearly indicate a deliberate effort to stall, dodge and avoid making payments. This is a clear violation of their terms in word and spirit. The expenses were exactly per the instructions the customer representative gave us when we called for direction while still on our trip. Clothing, shoes, bag and toiletries. I have submitted all these expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
General Motors is reporting a debt that is more than 7 years old. The debt was incurred in XXXX 2009 and is more than 7 years old and should be deleted from the credit reporting agencies. 

Under the FCRA 15 U.S.C. 1681c, an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. Subsequent activity is irrelevant to the seven-year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Porsche Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX porsche of XXXX XXXX is in violation of every XXXX and XXXX law not having sign documents telling me i cant cancel products

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I 've sent 2 attempts to get this account handled but this company never replied back in the time frame alotted. The first attempt was XXXX/XXXX/XXXX and I waited over 30 days to recieve a response before I sent the 2 attempt on XXXX/XXXX/XXXX and again no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Dear Sir or Madam, I am contacting you because I discovered that two late payments were reported to my credit report by Navient ( on XXXX ) several days after I made payment ( on XXXX ). This occurred in spite of the fact that I have never received a billing statement in the mail. 
I strived for many years to maintain a steady record of payments for all of my debts, in particular my student loans. Navient has consistently misallocated my payments for more than 12 years, by applying payments to the only to interest portion of my loan so that the principal has barely been reduced ( see attachment showing the history of my misallocated payments ). 
This conduct has continued for many years, despite the fact that I repeatedly inquired about income-driven repayment plans, only to be informed that I would not qualify. Instead, I was repeatedly encouraged to postpone my payments through unaffordable forbearance plans. 
By failing to correct the information reported in XXXX XXXX, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs. 
Furthermore, Navient is similarly in violation of Section 623 ( a ) ( 7 ) of the FCRA which requires it to inform consumers about negative information placed on a consumer 's credit report within 30 days. I have never received a statement from Navient nor this notification in the mail. 
I contacted Navient on XXXX XXXX, XXXX ( letter attached ) and since that time I have reached out on multiple occasions via phone since then in an effort to resolve these issues but to no avail. 
I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the two accounts showing a late payment in XXXX XXXX be removed and to correctly apply my payments to my loan. 
In the event that these reports are not immediately corrected, I intend on continuing to file official complaints with all regulatory agencies ( CFPB, FTC, BBB etc. ) to inform them of these circumstances and pursue other legal routes if necessary. 
I look forward to your prompt response and resolution of this matter. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: KS

Complaint narrative:
For at least XXXX weeks, I have been unable to access my account. I have attempted to log in to my online account on several devices using different browsers, tried resetting password, and spent several hours on the phone trying to contact a service representative. I am concerned that I will not be able to make my next loan payment on time, because I am unable to access my account information. 

The problem has persisted for several weeks, but I only started tracking my contact attempts this week. Here is the list of the last few days. 

Login Attempt XXXX/XXXX/XXXX XXXX Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; information not found Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX On hold for XXXX ; never XXXX through. 
XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX Received busy signal. 
Login Attempt XXXX/XXXX/XXXX XXXX - Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; XXXX & XXXX not found The message I receive online is, " We are sorry, the service you have requested is temporarily unavailable. Please try again later. '' This is not a wrong password ; I get a different message if the password is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bronstein & Weiss Arbitration
State: VA

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX on XX/XX/17 saying that there were contacting me from the City of XXXX XXXX DA 's office and that I was currently facing trail for nonpayment that I was going to be served papers and that I was going to be summoned to go to court. I was told that the only other option was to pay {$1200.00} by credit card or pre-paid card only and that I had to make the payment that day in order to not be processed in to trail, the person name was " XXXX XXXX '' with the City of XXXX XXXX DA 's and this was her one and only communication as a courtesy I asked for them to email me a paper trail and all they sent over was the attached.
Their address is linked to a XXXX in XXXX, NY The number they called from was XXXX an known scammer

Company response to consumer: Untimely response
Consumer complaint received 2017-10-20 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: CA

Complaint narrative:
On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX that a " Loan '' that I had applied for recently was " Denied '' because of derogatory credit information on my " Equifax '' credit report. I immediately called " Equifax, '' calmly explained to " Equifax '' my situation and asked them to mail me a " Free Copy '' of my " Equifax '' credit report that I am lawfully entitled to per the Federal law called the " Fair Credit Reporting Act. '' " Equifax '' staff said " No '' and rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had requested a stop payment in XXXX 2017, then they failed to stop the payment they gave a credit and now they took the money without my consent and they took out XXXX too offset the other negative account that I was unaware they refuse to credit the account and they left me with no money for 2 weeks they cause my mortgae to be NSF and they also charged me nsf fees and late charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation