vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed a debt with Experian 5 times with a response that the account being reported on credit report has been verified and is accurate. I called Experian today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called Experian back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to Experian and XXXX and the company provided asking to be provided with viable evidence this is my account but I get nothing but an Experian agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that Experian hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is XXXX XXXX XXXX with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?

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 2018-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for SCRA protection / benefits on my Capital one auto loan. Capital one did correctly backdate the reduced intrest rate from over 17 % down to 4 %. The law requires it be dropped to 6 but Capital one is generous in giving a 4 % rate. However my payment was not reamoritized as required by the SCRA of 2008, the payment at 4 % is equal to the payment initially contracted at 17 %. My payment remained at {$320.00} they forgiven intrest however is being applied directly to my principal balance. Per the SCRA act this is not allowed and considered excellerating the principal. If the payment remained the same and they stated that they lowered the APR to 4 % then the forgiven intrest is going directly to the principal balance ( a violation of SCRA ). I  consulted with military one source and JAG and the both agree that Cap1 Auto is in fact excellerating the principal. I also never received at 45 day change in service notification to be compliant with Regulation Z part of the truth in lending act. Capital one falsely claims that the account can not be reamoritized because it was delinquent prior to military service causing a ballon payment. I should have a credit on my account after the reapplied payments at the reamoritized amount would be greater than {$1000.00} dollars Capital one has not followed SCRA guildlines and is causing hardship as well as further damage to my credit report by applying payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I terminated my services with XXXX XXXX XXXX on XX/XX/XXXX and I owed them {$370.00}. They continued to charge me and send me a bill for XX/XX/XXXX and XX/XX/XXXX and when I contacted them and told them I terminated my services on XX/XX/XXXX they said sorry XXXX XXXX you are correct we will straighten the final bill out. But they didn't they kept sending me a bill for XXXX.After that they send it to a collection agency and I tell them that's the wrong amount and dispute it in writing But XXXX XXXX XXXX   comes back with the same amount. So I contact XXXX XXXX XXXX by phone twice the last time being XX/XX/XXXX and I talked to XXXX and she said the correct amount was {$370.00} and that she would talk to her manager and get her to sign off on the right amount and send it in the mail to me. They never sent the paper work, I've disputed this bill twice and with no resolve. I tell the collectors I agree to pay what I owe but not when it's the wrong amount and each time I dispute the claim the company don't respond back to me within 30 days. I feel this should be removed off my credit report because they are not reporting the true amount and not responding like the should. I have no trouble paying the correct amount when they give it to me in writing but I truly believe it also should be removed from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 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: OH

Complaint narrative:
I've been disputing my Equifax for a year now with proof of ftc and police reports. They won't fix my credit score or take off derogatory accounts They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX   -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries are not mine but XXXX XXXX XXXX and XXXX XXXX XXXX my XXXX truck payment they have 3 late payment 's when there are 0.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: IA

Complaint narrative:
I have received a letter from the Federal Trade Commission, informing me that the debt consolidator Ameritech is being sued for deceptive practices. I want to get out from this company which will harm my debt information.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc.
State: MD

Complaint narrative:
I notorized and signed a loan modification agreement with Sortis Financial on XX/XX/18 ; and Sortis signed it on XX/XX/18. The new terms are interest rate of 7.6 % for 25 years with new payment amount of {$990.00} starting on XX/XX/18. The XXXX payment was sent electronically on XX/XX/8 in the amount of {$1100.00}, the old payment amount. On XX/XX/18 an electronic payment for XXXX was sent in the amount of {$990.00}, which is the new payment. Attached is a copy of the loan modification and agreement signed and notorized by both parties, with a copy of the envelope they mailed it in. On XX/XX/18, I received a letter in the mail dated XX/XX/18 from Sortis that my mortgage had been sold to XXXX XXXX XXXX ( payments - XXXX XXXX XXXX XXXX, Tx, XXXX ; correspondence - XXXX XXXX XXXX, XXXX, CA XXXX or XXXX ), effective XX/XX/18. It says that Sortis will receive payments with respect to this loan thru the day before transfer. 
Something does not sound right regarding this transfer after the loan modification agreement. 
In addition, I received back from Sortis, the original signed and notorized loan papers, with no explanation or cover letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: VA

Complaint narrative:
My credit card recently saw its credit limit raised from {$500.00} to {$2500.00}. The credit card bureaus show that I have an outstanding balance ( {$190.00} ) too high for my old lower limit ( they like it to stay under 1/3 ), causing a temporary hit on my credit score. I tried to fill out a " dispute '' to alter my credit limit but failed after trying maybe 5 times. Please help! 

So, Equifax and XXXX  These agencies are self-appointed masters of our economic lives and I'd like to know by what right they even exist ( but that is another issue ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a Citibank customer for more than a decade. The checking account was opened as a Total Free checking according to the contract and I had been using the checking account for years without any fees being imposed on the account. Several years ago, I switched to XXXX but didn't close the Citibank accounts. The Citibank bank accounts were inactive for several year since I switched to XXXX. I did not received any notifications on changes of service/fees on the checking account until couple months ago, out of total surprises, Citibank bombed me with many notifications asking me to pay $ XXXX monthly service fee - confirmed with customer service that the entire {$920.00} was monthly service fees accumulated over years when the account was inactive. 

I tried to resolve this issue by working with Citibank 's customer service, but have been unsuccessful. Citibank intentionally not to send me any notification earlier when the service fee balance was much lower - they have been secretly accumulating service fees on my account for years without any communication so that they can charge me a huge amount at once, without any agreement. 

I hope someone could help me to resolve this issue, but don't know where to go. Hopefully, publishing this horrible experience of mine with Citibank can help other consumers not to be victimized by this 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 2018-07-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.

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 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have disputed a debt with XXXX  5 times with a response that the account being reported on credit report has been verified and is accurate. I called XXXX today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called XXXX back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to XXXX and XXXX  and the company provided asking to be provided with viable evidence this is my account but I get nothing but an XXXX   agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that XXXX hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is Paramount Recovery System with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed a debt with TransUnion 4 times with no response but the two accounts are still being reported on my credit report. I have even used certified mail and had them notarized. I have requested viable evidence with my name and signature. I also requested name of creditor and was provided with incomplete information on the accounts and a false number when I tried calling the company 's number provided its an automated service trying to sell me things. I can not believe unverified accounts with no accounts numbers, incomplete addresses, and incorrect phone numbers can be reported on my credit file and that I have to do a years worth of work and it's still being reported. 
The accounts being reported are below. 

XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) 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 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I received a false statement saying my account was past due, when in effect, it was not past due. The direct debit was scheduled on a weekend, the next billing statement was generated during that same weekend. When I called to ask for a new statement, they acknowledged this was a problem with their software, know it is a false representation of my account, and yet, have no solution to fix this problem in the future. They also acknowledged my account is current, always has been current, and yet refused to re-generate an accurate statement reflecting that. I can only theorize that if this is occurring to me, it must therefore be occurring with other customers as well. They know it is a bug in their software, yet they continue to make these false billing statements causing people to believe their account is behind when in reality it is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was sold by XXXX and is now being serviced by Shellpoint Mortgage and the loan number is XXXX. Shellpoint has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted shellpoint on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I made a cash advance of {$500.00} on XXXX XXXX'18. After the cash advance, I made a payment of {$500.00} on XXXX XXXX'18 and {$750.00} on XXXX XXXX'18. I was expecting Chase to apply the  additional payments in that month to cash advance as it is the highest APR. 

The customer representative initially kept insisting there was no payment of {$500.00} made in that month. When I asked to be connected to supervisor, the supervisor told me the rules around Cash advance APR could be tricky and Chase charge interest on cash advance until the next statement is generated. During our conversation I am not sure if she hung up or call got disconnected but I never received a call back. 

It is unfair for me as a customer as I made the payment to avoid high interest balance but Chase has different ways around that rule. 

The rule says that any additional payments should be applied towards high interest balance. When I made more than minimum payment Chase should have applied those to Cash advance as it started charging interest on the Cash advance at the time of payment. 

A few other discrepancies I observed in my statements : 1 ) When I refer to statement generated in XXXX'18, the amount subject to cash advance amount is {$370.00}. As per the supervisor, if Chase doesn't apply additional payments towards cash advance until statement is generated, then how did balance subject to Cash advance went down from {$500.00} to {$370.00}? 

2 ) Then in XXXX'18 statement why did balance subject to cash advance jumped to {$530.00} when there were no Cash advances in that month?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.

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 2018-07-06 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian responded to my original complaint of fraudulent account opened in my name today XX/XX/2018. In there response they stated that they have removed and blocked all the fraudulent accounts on my report. However, this is not true Experian is still reporting several items on my credit file that are fraudulent. I have included them below. 


Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 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
Consumer complaint received 2018-07-06 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: FL

Complaint narrative:
Experian is reporting a past due balance from a credit card company. The credit card company did not notify me of a past due balance. I have no other late payments with any other companies. The other 2 credit burrows have removed this issue from my credit. Experian is a terrible company and someone needs to do something about there in ethical lazy appreciate to dealing with issues.

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 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, Phoenix Financial called 4 tines in a day, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX. Obviously they are calling more than once an hour, which is illegitimate collection tactics. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
XXXX XXXX My Legal Council did Not Send Copies of My Credit Life and XXXX Documents To Opposing Council Or Judge XXXX XXXX XXXX so i took Copies in to The Clerk Of Courts However Since the Documents were Not Presented By My Attorney to Opposing Council and the Judge it Was Not Reviewed Therefore Resulted in a Negative Result for Me if in Fact the Documents were Presented Properly the Result Would have Been Much Different.

Company response to consumer: Closed with explanation