vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: JH Portfolio Debt Equities, LLC
State: NJ

Complaint narrative:
on XXXX XXXX i received a dept collection letter from credit XXXX XXXX. trying to collect on a student loan in the amount {$36000.00} loan dated XX/XX/XXXX.I never cosign nor did my daughter take out this loan. 
on XX/XX/XXXX i sent XXXX XXXX a letter explaining to them its fraudulent loan i already reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to consumer finance bureau for trying to collect on the same fraudulent loan dated XX/XX/XXXX. 
I also sent XXXX XXXX XXXX a dept validation letter asking for more information on the loan. credit control didn't respond to my requested information. 
XXXX  XXXX did however sent me a copy of the same application promissory note i received from XXXX XXXX   XXXX  which does me no good. 
the creditor, XXXX XXXX & XXXX is trying to collect for is bankrupt. 
XXXX XXXX XXXX whom i also reported consumer financial protection bureau

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 2018-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX Agency located at XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX. Has continued to report on a said debt of {$110.00}. I have asked for validation per Fair Credit Reporting Act several times and they still have refused to send any proof of this debt. I have also sent a copy of the Affidavit of Identity Theft obtained by my local Sheriff 's office to Security Collection Agency and the Credit Bureaus of this as well. Sec. 623 ( a ) ( 6 ) ( b ) of the FCRA prohibits any further reporting by the credit furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX ) and prompts the Bureaus to immediately delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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 is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
ChexSystems is reporting to some banks that I have negative information on my report but I do not and will request a copy of my report they refused to provide it as is required by law.

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 2018-11-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to XXXX stating my identity had been compromised. I notated the account that needed to be addressed. Wells Fargo Acct. XXXX. XXXX  stated the account would remain on my credit with explanation responded with validation. XXXX violated sections 605, 609, and 611 of  the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. XXXX has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted Wells fargo and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I owed approximately {$730.00} to XXXX XXXX, {$4000.00} to XXXX XXXX XXXX and {$2200.00} to XXXX XXXX. The account ( s ) were closed, charged off and sold to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. After I paid the account ( s ) in full I was told that the three mentioned companies would change the status on my credit reports to " Charged Off, paid in full '' after XXXX XXXX reported to XXXX XXXX, XXXX XXXX XXXX reported to XXXX XXXX and XXXX XXXX reported to XXXX XXXX the account ( s ) as paid in full to them. It has been over six months in one case and an approximate month on the others and no change has occurred.I have contacted XXXX XXXX, XXXX XXXX and XXXX XXXX and no action has been taken. I have disputed the accounts via the three credit bureaus ( XXXX, XXXX and XXXX ) and still nothing. Attached are the Paid in Full letter ( s )  for your review.

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 2018-11-10 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I owed approximately {$730.00} to XXXX XXXX, {$4000.00} to Prosper Market Place and {$2200.00} to XXXX XXXX. The account ( s ) were closed, charged off and sold to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. After I paid the account ( s ) in full I was told that the three mentioned companies would change the status on my credit reports to " Charged Off, paid in full '' after XXXX XXXX reported to XXXX XXXX, XXXX XXXX XXXX reported to XXXX XXXX and XXXX XXXX reported to Prosper Marketplace the account ( s ) as paid in full to them. It has been over six months in one case and an approximate month on the others and no change has occurred.I have contacted XXXX XXXX, Prosper Marketplace and XXXX XXXX and no action has been taken. I have disputed the accounts via the three credit bureaus ( XXXX, XXXX and XXXX ) and still nothing. Attached are the Paid in Full letter ( s ) for your review.

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 2018-11-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX and spoke with a customer service rep. that stated she  couldn't locate an account at all. I demand this inaccurate information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : [ [ XXXX ] ] Account Number : [ [ Account # XXXX ] ] Account Rating : 90 Days Late Reason : [, I was never late, ] Also, if you have documents to prove your claim, mention here that you are attaching them. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX SSN- 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 2018-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Up until XX/XX/2018, I have always paid extra money for my monthly mortgage payment. The extra money would be credited towards principle reduction. In XX/XX/XXXX they made a change to this. They credited my extra payment towards the following months principle and interest. I called them to rectify and asked them not to use extra funds towards the next months payment instead use it to reduce my principal.

They did the same for XX/XX/XXXX and XX/XX/XXXX where my extra funds were used towards the following months payments and not towards principle reduction. 

the Company is Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : 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 2018-11-10 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: AL

Complaint narrative:
Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last XXXX years. my score has gone up almost XXXX pts., which I have been so happy about. 
I wrote yall back in XX/XX/XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan XXXX the letter. I've reached out to the credit reporting company several times to get it removed and the loan XXXX faxed them the letter also but no luck so far. 

The courts have him paying our XXXX a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XXXX of this month and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number XXXX XXXX consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : [ [ XXXX ] ] Account Number : [ [ Account # XXXX ] ] Account Rating : 90 Days Late Reason : [, I was never late, ] Also, if you have documents to prove your claim, mention here that you are attaching them. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX SSN- 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 2018-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Grant & Weber
State: CA

Complaint narrative:
I call the 800 number on the collection notice to attempt to make a payment, the number for not work. I say ok I will pay it online I attempt theyre website to make a payment online, and their server is down. I have no way to make a payment on the account but they continue to charge interest on the past due amount and reporting negative to credit beuro. How is it legal to charge interest on an account that is no accessible to make a payment on.

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 2018-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I had a cae accident which vehicle was demeed total loss XX/XX/2016. The auto finance company has it as a charge off as sin e insurance company paid .off vehicle and doesnt want to removed from credit i been disputing the false information and they stated They will removed since They found all check yo be paid from insurance Company.

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 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2018 at XXXX XXXX, a representative called me from a blocked number without giving their name, nor verifying my identity before they began to discuss and disclose my personal information. The person only stated that they were calling in regard to my XXXX 's XXXX Account. During this call, the representative became abusive with her tone and language. The representative stated that I need to pay my bill regardless of my situation because my hardship program was over, and that it wont be my situation forever. She went on to say that if I do not pay something that I am stealing because I already have the merchandise. I repeatedly told the representative that my hardship has not ended, and I am seeking additional help, otherwise I can not make the regular payments. The representative continued to degrade me asking " well what is it you have been doing this past year? '' She continued in a back and forth engagement with me for seven minutes before I became completely upset with the harassment and hung up. 

I then called XXXX XXXX 's XXXX at ( XXXX ) XXXX-XXXX on XX/XX/2018 at XXXX XXXX to file a complaint. I asked for the name of the representative and I requested to speak to a manager. I was told that they could not locate the name of the person who had called me, but that they would leave a message for the manager of the representative to call me back. It is now XX/XX/2018 and have not heard back from a manger. After two weeks have gone by since the incident I realized that I was not going to receive a call back. Since then, I have not answered any calls from unrecognized, unknown or blocked numbers in fear of being targeted, called a thief, and harassed again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is in reference to XXXX on XX/XX/2018 i paid the account in full XXXX they took a debt card payment and informed me that once the payment clear that it would be removed from my account well payment cleared in a matter of minutes i did debt and its still on my account as a matter of fact i got an alert from the credit bureau saying the account went from derogatory status to current on XX/XX/2018 and the very next day XX/XX/2018 i get another alert saying XXXX changed it from current to a charge off and saying i still owe them the payment wich is incorrect they lied i tried to get the Credit Agency to file a fraud claim against XXXX because they are clearly lieing the person i spoke with name XXXX from the financial department told me soon as the payment clear they would send notifications to the credit bureau to have it removed well they didn't i paid them they lied and they changed the status they are hurting my credit status im trying to get a house and also i have documents to show my account been paid thank you

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 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My XXXX XXXX XXXX has been expired. Continued late charges have been requested by XXXX XXXX credit card company. The collection activity is unlawful practices. Please, correct it as soon as possible. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Americas Car-Mart, Inc.
State: VA

Complaint narrative:
I called carmart to notify them about my payday falling on the XXXX and XXXX. I asked to have my contract modified before my due date. They refused to modify but the manager did say she would notate the account that I would pay half on the XXXX, which I did and the other half on the XXXX. If I spoke to the general manager why is the account rep. Calling me 5 times a day or three times in a row back to back?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I set up auto pay with navent and they went into my account and withdrew money without out my consent my payments are due on the XXXX of the month they withdrew money XX/XX/XXXX, for the month of XX/XX/XXXXthey withdrew from my account three times making it overdrawn and costing me fees for stop payment. 
XX/XX/XXXX they withdrew XXXX and my payments are not due until the XXXX of each month. 
I made a payment of XXXX XX/XX/XXXX and they they withdrew XXXX and then on XX/XX/XXXX tried to with draw XXXX out of my account I had to stop payment on it and was charged by XXXX XXXX XXXX 30.00. I am not comfortable allowing them to do auto pay they have lost my trust and I feel that they have not given me correct information on my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
First, I apologize this may not be the correct place to ask this question, but we can not find the answer anywhere.

Several weeks ago our customers ' purchases starting getting declined by one credit card company, Capital One. After several days we realized this and suggested the customer 's call Capital One for additional information. However many call us back saying the Capital One call center agent told them they are not blocking the purchase.

One customer conferenced in Capital One while on the phone with us and a manager was brought to the phone. She did verify that they no longer allow the card to be used to purchase our product - we are a XXXX XXXX - although we are selling a legal product.

Of course we realize Capital One has the right to bar purchases but aren't they required to educate their staff about changes and inform the customer?

Company response to consumer: Closed with explanation