vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
The accounts are paid in full I would like them removed from all credit reporting agencies.

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 2017-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On  XXXX  of  XXXX , when I visited   XXXX   XXXX   in  XXXX , GA, I agreed to receive their services and to finance the amount of {$2300.00} at a 0 % interest rate. In  XXXX  of  XXXX , I was charged {$680.00} of accrued interest. That is a substantial amount. At no point during the consultation with  XXXX   XXXX , the  Manager at that Ideal  Image location, was I told that there would be an expiration date for the 0 % interest rate or that it was even a promotional offer. I have reviewed the entire contract and nowhere on it does it state the offer or expiration date.   I have always tried to make more than the minimum amount due each month but honestly, knowing that I was not accruing interest gave me the peace of mind to make higher bill payments elsewhere. I believe it is improper for them to tell me I am being financed a product at 0 % and not tell me it is for a period of time only. If that would have been the case, I would have paid off the credit line by that date or not taken the credit line at all. I have reached out to Comenity Capital Bank and wrote a letter to dispute the accrued interest charges and also attached copies of the contract I signed which support my position. They have not been very helpful during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint ( prepared with the help of an advocate, as I speak only  XXXX  ) because Chase Bank promised to refund me money that I lost as the result of fraudulent and unauthorized transactions on my Chase bank account, but never refunded the money. I am a very low-income,  XXXX  year-old   XXXX   XXXX  resident and single mother. Both my  XXXX  daughter and I receive   SSI  and  food stamps . At t he time of the fraud, my  XXXX  daughter received  SSI by direct  deposit into  a Chase accou nt in my name. All the money lost to fraud was from my  XXXX  daughters   SSI.       In around  XX/XX/XXXX , I received an account statement and saw transactions from early  XXXX  and onward that I did not recognize, including unauthorized debit card purchases, fraudulent check deposits, and unauthorized ATM withdrawals, along with ATM fees for the apparent unauthorized use of non-Chase ATMs. I never made any deposits into this account ; the only deposits were the   SSI  de posits made directly by the  Social Security Administration on b ehalf of my  XXXX  daughter. I made only occasional withdrawals to help me pay for my daughters care.     I disputed these transactions with Chase both by phone and in person. Chase closed my accounts, and told me that it would refund the money I had lost to the fraudulent transactions. This was in around  XXXX  and  XX/XX/XXXX . But then I did not hear anything back from Chase. When I followed up with Chase again in  XX/XX/XXXX , Chase said it was still investigating.     I have a letter dated  XX/XX/XXXX  from Chase stating that it would credit me {$930.00} for   XXXX   batch of debit card transactions that I had disput ed ( s ee attached ). I have another letter dated  XX/XX/XXXX   ( s ee attached ) from Chase stating that it would credit me another {$2400.00} for a  XXXX  batch of transactions, including the unauthorized ATM withdrawals, that I had disputed. However, to my knowledge I have never received the credi ts that Chase promised ( a  total of {$ 3300.00} ).      I also disputed   XXXX   fraudulent check deposits ( the checks bore forged signatures in my name ; see attached ) and a number of large, unauthorized ATM withdrawals that took place shortly after each of the  XXXX  fraudulent check deposits. I have letters from Chase acknowledging that the checks were fraudulent ( see attached ). As my transaction history shows, Chase also reversed the fraudulent check deposits by subtracting the amounts of the fraudulent check deposits from my account balance ( see attached ). However, to my knowledge Chase has never credited me for the unauthorized ATM withdrawals that followed each of the fraudulent check deposits.     Since Chase closed my account, I have received th e   SSI   c hecks on behalf of my  XXXX  daughter by mail, and must go to a  check casher to ca sh them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A Check was written to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,    2017 a nd  XXXX   XXXX ,    2017 in  the amount of {$4000.00} and {$2000.00}. He forged my signature. The {$4000.00} check was not endorsed on the back and cashed. The {$2000.00} check was not. Citibank said they called me to let me know there was suspicious activity but could n't get a hold of me and Citibank pushed the check through anyway, even though it was suspicious. They refuse to give back my {$4000.00} when Citibank was negligent and they said it was my fault for not checking my account within 30 days. The police said it sounds like an inside job.

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 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank keeps calling me looking for an  XXXX   XXXX .   I am not, nor do I know any,  XXXX   XXXX .     They call me from different phone numbers all over the country. So when I block them, they use other numbers.     I spoke with a representative and told them they had the wrong number. She would take care of it but nothing happened.     I just called again and spoke with someone who would not give me their address so I could send a cease and desist letter. She did confirm it was Comenity Bank.     The last  XXXX  digits of my phone are  XXXX . Maybe they can match  XXXX   XXXX  with the WRONG number they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This  Compliant is being sent to Portfolio Recovery Associate  credit in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices  Act, 15 USC 1692g Sec. 809 ( 8 ). I  NEVER established a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,   XXXX   and   XXXX    )  this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 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: TN

Complaint narrative:
XXXX   XXXX ,  2017    . XXXX - XXXX  ( CST ). Representative at Navient is  XXXX   XXXX . He has repeatedly harassed me and has been rude to me on the phone regarding payment for my loans. He demands that i make payments over the phone via prepaid card, bank account number, credit card or debit card. I 've explained to him several times that I do not like making payments over the phone and prefer to do an online bill pay through my bank so I can have  a paper trail. He continues to tell me that I should make the payment over the phone and demands a date that I will send  in a payment. Navient has screwed up several payments I had made last year and took OVER A MONTH to refund me the excess amount they took out, which ended up caused my bank account to overdraft and result in bank overdraft fees.  XXXX  talks to me like i 'm stupid and is very unaccommodating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On  XX/XX/XXXX  I applied for credit through  XXXX   XXXX .  Ally Financial  ran my credit   XXXX  , resulting in  XXXX  inquiries fro m Ally Financial o n my credit report on the same  day. Ally Financial ne eds to remove  XXXX  of the inquiries. Obviously,  XXXX  of the inquiries is valid and should stay. I disputed the   XXXX    inquiry indirectly through  XX/XX/XXXX  and received a response that the inquiry was authorized, therefore it was not removed ( see attached ). I then wrote a letter t o Ally Financial  and disputed the  XXXX  inquiry directly with them on  XX/XX/XXXX  ( see attached ). I was very clear in my letter that I agree  XXXX  of the inquiries is valid, but the  XXXX  inquiry is NOT valid and should be removed from my   XXXX   credit report. I received a response dated  XX/XX/XXXX  that was very generic and simply said that the inquiry was valid ( see attached ). They did not address or otherwise explain why there were  XXXX  inquiries on my credit report from their company. I have attached a copy of my  XXXX  credit report showing the  XXXX  inquiries.

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 2017-05-17 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
So I am being sued for  XXXX  $ dollars for  XXXX   XXXX   XXXX .   Saying I owe all that mon ey. Fidelity Creditors h ave been contacting my work and my cellphone saying I will be sued for this balance. I told them I do not have the money to pay for that. They said if i do n't pay they will sue me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On  XXXX   XXXX  I filed a proper dispute with Experian on an unknown medical account on my credit report because if it was mine it very well could be obsolete at this time. In my dispute I requested the name and address of the service provider, patients name, dates of service, etc. I received back a response dated  XXXX   XXXX  stating the investigation is complete and that they contacted the company and the account will remain on my report. On page  2  dated  XXXX   XXXX , it clearly states : If interested, you may request a description on how the reinvestigation was conducted along with the business name, address and phone number of the furnisher of information.   So I re-disputed with Experian on  XXXX   XXXX . Asking them to supply that information to me, as I am requesting it again for the  2nd  time.   In addition to sending Experian the dispute, I also contacted the reporting collection agency on  XXXX   XXXX ,  XXXX   XXXX   XXXX , with a dispute and request for validation on this unknown account as per instructions from Experian 's dispute results letter dated  XXXX   XXXX ,    2017 I aske d for proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.   I received a letter from  XXXX   XXXX  dated  XXXX   XXXX . Their version of verifying this debt was  a one pa ge sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges.   They way that I see it, Experian cant furnish the requested information to me because if they did properly investigate my dispute, they would be able to furnish the requested information to me. IF they contacted  XXXX   XXXX  and requested the information from them, like they want me to believe, they would also have no information on dates, services, doctors, etc, because  XXXX   XXXX  is unable to provide that information to me as you can see in the follow up letters.   Experians refusal to investigate is a violation of the FCRA and FACTA.

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 2017-05-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I was never notified that the payment I made in an auto loan was returned ; resulting in a late payment. Also, the consigner of the loan was never notified ; therefore, there was no opportunity for the payment to be made before it was reported 30 days past due on their credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
I purchased  a used    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Motorcycle  from  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , GA.  XXXX  During the process I was asked if I wanted to purchase their extended warranty, at a cost of {$2000.00}. I said no. I had someone with me as well who also will attest I said no. I have a document from the company where it says I declined their warranty.   And yet I have a {$2000.00} addition to my loan without my consent. I called  XXXX  at  XXXX   XXXX  and complained about this, stating I had refused the warranty, after I questioned what the amount in " Taxable/Other Non Taxable " was. She said it was for taxes on the motorcycle and the warranty. I told her i refused the warranty, signed off on refusing the warranty and wont take the motorcycle under false pretenses. She simply said " Oh, sometimes they make you take a warranty.. to get the loan '' .. I said I was never TOLD I would be taking the warranty whether I wanted it or not. The documents SHOW i refused this warranty. I was suppose to hear back from  XXXX , she has declined to call me. I called several times, trying to reach her, left messages to the effect I refuse this loan agreement, this is tantamount to loan fraud, and demanded they remove this warranty from my paperwork. They also " padded '' their document fees and " Freight and prep '' fees to the tune of nearly {$900.00} on a USED motorcycle. THERE IS NO FREIGHT AND PREP. they didnt PUT anything together, they didnt even change the oil or air filter or spark plugs. there was no " PREP or FREIGHT '', the motorcycle was traded in. This is an outrageous extra charge to deliberately " Back door '' the buyer ( Me ), as they had a low FRONT end price on the bike, and had every intention of swindling the buyer on the backend.     At NO TIME did  XXXX  go LINE BY LINE and explain the " extraneous charges ''. I had been held up for  3.5  HOURS, was the end of the day, was after I got off work, and they simply used this against me in my signing off on what I thought was a simple loan. The Amount I financed I THOUGHT was the total WITH INTEREST ... I was charged an additional {$6200.00} ON TOP of the {$3500.00} I put down on a {$6800.00} MOTORCYCLE.     This is dealer deception and backroom swindling at its worst.     I told  XXXX  if they refused to take this charge OFF my account, then I wanted a full refund of every penny I put into this bike, some {$4700.00} so far, and they could come and TAKE THE MOTORCYCLE ...   I have yet to hear back..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For almost an entire year, I 've been trying to work with Experian to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Experian is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Experian because this is not the information I receive when I contact these companies individually. For months, Experian has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.

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 2017-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: VA

Complaint narrative:
I signed an agreement in  XX/XX/XXXX  to buy a  XXXX  home (  XXXX   XXXX   XXXX   XXXX  va  XXXX  ) Lot #  XXXX . Community name is  XXXX   XXXX . At that time they told me that the house will be completed by  XX/XX/XXXX , but it is still not completed as of today. Anyways meanwhile i started working with NVR mortgage for my loan approval and this is their own mortgage company. The loan  officer  send me an loan estimate on  XX/XX/XXXX . According to that my interest rate was 3.50 %, loan amount  XXXX , and cash to close was  XXXX . Then he sends another estimate and then finally on  XX/XX/XXXX  they send me a closing disclosure, according to which my interest rate has increased to 3.875 % and closing costs to {$12000.00} and loan amount remains at  XXXX . I tried to call the loan officer  XXXX   XXXX   XXXX  several times but he never answers the phone or calls back to clarify about the increase in interest lead that ultimately lead to an increase of {$35.00} in my monthly payment. In this whole process they approved my loan two times and pulled up my credit scores  XXXX  times because of their own mistake of delaying the house construction. Recently they scheduled my closing on  XX/XX/XXXX  which they again changed to  XX/XX/XXXX  and i am still not sure about that. I am very disappointed with he whole process. No one in the entire process from the project manager, loan officer to the settlement person knows that whats going on and what will be the right dates. I have saved all my communication and documents with them and i will attach the loan estimates and disclosure with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely  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 non-monetary relief