vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery reported on both my credit reports XXXX and XXXX 2 days ago, a debt from XXXX XXXX XXXX  XXXX for ( {$910.00} ), that was never established as being mine! For the past almost 2 years I have been asking them for proof with original signed documents and not copies and they have not been able to provide me with that. Instead all they send me are credit card statements without my original signature which as you know is required by law. Furthermore, I HAVE A LETTER FROM THEM dated XX/XX/2019 from XXXX XXXX  XXXX ( XXXX ) that specifically states that this debt was discovered not to be mine! Also, In that letter it is stated in clear bold red that the statute of limitations for collecting this debt has expired!. I have had many phone calls with their representatives and have recorded all of them! This is now harassment and has impacted my credit standing. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I recently pulled my credit report on XXXX and I found this account in collection. The creditor has not verified the debts. I'm going to write a letter demanding to see the verification of the debt but I wanted to seek your help as well. 

Account Name : Diversified Consultant Open Date : XX/XX/2017 Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: DISCOVER BANK
State: NC

Complaint narrative:
Unauthorized inquiry reporting on my credit file from XX/XX/18. The company refused to remove this inquiry off false premises.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: FC HoldCo LLC
State: NC

Complaint narrative:
Unauthorized inquiry reporting on my credit file from XX/XX/18. The company refused to remove this inquiry off false premises.

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 2019-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been paying off the loan for over 13 years. Paid off the loan already and now they are saying I owe them the same amount I originally started off with. The principal has not been barely touched.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I became aware that the Credit Bureaus are reporting one Credit Score to the consumer and a lower Credit Score to the Banks. I recently ran my Credit Score on Experian and it was reported to me on line as XXXX. However I was turned down for a business loan by a local regional bank because they told me the Experian score came back at XXXX. Since the score was below XXXX I was declined for the loan. It is obvious what is happening here, Experian is either issuing artificially high scores to the consumer or artificially low score to the banks. As you know credit scores affect so many financial areas including loan approvals, interest rates, etc ... This practice should be illegal!

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 2019-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is an inquiry on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is an inquiry on my credit report that I do not recognize.

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 2019-04-01 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I do not recognize this inquiry on 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 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have a Capitol One pre-paid cc that I have had for about a year. I have a security of {$500.00} on the card. I called onXX/XX/2019 to close the card. The rep let me know that within a week I would be sent a check of my credit less the amount of the balance on the card ... which is about XXXX ... 
I waited till the end ofXX/XX/XXXX, called the company and they said they have a " delay in the system '' that I needed to call back in a week to see if the check was sent. I called todayXX/XX/XXXX and was placed on hold, was told I still have a balance of XXXX $ and that they have a " delay in the system ''. Once again was told by the rep XXXX that I should call back on Saturday XX/XX/XXXX to see if the check for my balance was sent. 
I am very upset that this company tells me that my account was closed almost a month ago and they still are holding my money. It sounds like they are having problems with multiple delays and someone should look into this ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I do not recognize this inquiry on 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 2019-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lee Petersen, Attorney
State: OH

Complaint narrative:
XXXX XXXX sued me for the debt justifiably. I entered into a Consent Journal Entry payment terms with XXXX Municipal Court. I paid the initial payment of XXXX on XX/XX/2019. The agreement stated that I would need to pay XXXX by XX/XX/2019. 

On XX/XX/2019 I received a fifteen day demand for payment of the debt, with a subsequent Garnishment of wages if i did not comply from Attorney Lee Petersen 's Office. 

Since i entered into a payment plan and complied with that, I feel that this is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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 — Investigation took more than 30 days
Company: Tri-State Adjustments, Inc.
State: NY

Complaint narrative:
My wife had some negative accounts on her credit report she paid all of them all reported that they were paid but XXXX Ive called the original creditor they told me they received the payment in full the credit agency refused to work with us the original creditor has also tried to contact the collection agency the original creditor said it up to the collection agency to report that its been paid we paid this on XXXX XXXX the company is Tri State Adjustment in XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX I also noticed that on XXXX XXXX they reported to the credit bureau that this account is still active which is a lie when it was paid in full on XX/XX/2019 please shut this company down and fine them to the highest level as possible 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 2019-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The Bank of America to date has not responded in good faith to numerous attempts to resolve this dispute since XX/XX/2018. The trip booked on the XXXX XXXX was paid in full, in advance, per the merchants invoice ( sent to the BOA ). The Bank of America states that subsequent add on charges to the invoice were not paid. Those supplemental charges from the merchant were added on several months after the trip was paid in full. I have asked on multiple occasions for the Bank of America to provide documentation from the merchant showing that the added charges were noted to the client as being supplemental at the time the booking charge was totaled by the merchant and was paid in full as required prior to taking the trip. 

The Bank of America has not, and can not provide documentation showing the validity of the charge and that the client was pre-informed of these charged beforehand and agreed to them. If the Bank of America can provide documentation showing that the client was notified at the time of booking that the total stated and paid was to later include further supplemental charges then please provide that documentation and the billing will be paid upon receipt. 

Otherwise, if the Bank of America can not provide documentation showing the client had been advised of further supplemental charges and agreed to such charges then this issue is now closed since the dispute has been unresolved by the Bank of America for a period of over 7 months. 

It appears that since the merchant and the Bank of America can not provide the documentation that the charges were " hidden '' and not defined to the client prior to taking the trip or included within the paid in full total amount invoiced by the merchant.

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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I do not recognize this inquiry on 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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I do not recognize this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
When I looked up my credit report on XXXX, I noticed these accounts were in collection. Two accounts went to this agency. Below I describe all the details I know but I'm also going to have them verify this debt with a letter requesting more information.

Account Name : Overton Russell Doerr Open Date : XX/XX/XXXX & Open Date : XX/XX/XXXX Balance : {$250.00} Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: TN

Complaint narrative:
I have a mortgage with Ameris Bank. I was wanting to make the final payment today, however, they are insisting that I send the money by either wire transfer or certified check. Either of these options will cause me to incur additional expense and time off of work. I do not believe consumers who want to make their final payment should have to incur this expense and inconvenience. If my monthly payment was satisfactory every other month of the loan term, why isn't it good enough for the final payment. I understand they may want to hold of releasing any leans or processing the final paperwork for a few extra days to ensure the funds clear. But they should not force people to incur additional expense and use vacation time from their jobs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I have sent SEVERAL VALIDATION requests to Online Information Services and it was never completed. They also stated in this recent letter they only verified the debt. I also asked not to send a photo copy of an old bill and that's what they sent anyway. I also have asked if they can't validate this debt to please remove from all affected credit reports. I never received VALIDATION or PROOF that I have a business contract with Online Information Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
I receive a call every single day at WORK. A co-worker of mine has answered a few times and my coworker was told personal information related to my account. The caller assumed they had reached my desk when in fact I was out of the office so the call was automatically transferred to someone else. When that person answered the caller assumed they had reached the right person and proceeded to provide my first and last name as well as what they were calling in regards to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is related to : 1. Complaint # XXXX and 2. Compliant # XXXX Citibank 's responses to the above compliants : 1. Show that Citibank opened a new account after they waived all charges on the old account because Citibank acknowledged that old charges were fraudulent ; however, Citibank : ( a ) did not show XXXX XXXX knew that a new account was opened or that he authorized that a new account be opened ; ( b ) Citibank sent the XX/XX/XXXX monthly account statement to a XXXX XXXX, FL address which is not an address of XXXX XXXX. 

2. Show that the monthly statements for XXXX and XXXX, 2017 were sent to XXXX XXXX 's correct home address in XXXX XXXX, FL ; however, XXXX XXXX never saw those statements because : ( a ) he moves to his XXXX, NC home in early XXXX each year and ( b ) as reported to the U.S. Postal inspector ( by the local carrier ) and the XXXX XXXX XXXX ( FL ) XXXX XXXX, XXXX XXXX 's XXXX XXXX and XXXX XXXX statements were stolen. 


3. Show that purchases were made at XXXX XXXX  stores in XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX, FL and XXXX XXXX, CA. None of these locations are near to XXXX XXXX 's XXXX XXXX, FL and XXXX, NC homes. 


4. Show that online payments to the credit card were made from XXXX IL. XXXX XXXX does not live in or has financial accounts in XXXX Il. 


Obviously, XXXX XXXX is not financially responsible for the fraud committed against Citibank. Furthermore, an Experian Credit Report dated XX/XX/2017 showed a long list of fraudulent addresses and fraudulent accounts which were quickly removed at XXXX XXXX 's request and the request of other financial institutions. Perhaps, Citibank should be advised of these facts so they can complete their investigation.

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 2019-04-01 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: NY

Complaint narrative:
THIS COMPANY EQUIFAX IS STILL REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT XXXX   ACCOUNT XXXX. I AM ENCLOSING THE FTC FRAUD AFFRADAVIT WHICH REQUIRES EQUIFAX TO TAKE CERTAIN ACTIONS ON THIS ACCOUNT BEING REPORTED AS XXXX ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orion Capital Solutions LLC
State: MO

Complaint narrative:
XX/XX/2019 XXXX debt collector stating that she is with a debt collection company named Orion , attempting to collect a debt owed to balance credit. Threatened to contact my employer. Stated that they would move forward with their action and gain employment verification. I have repeatedly asked them to stop contacting me and told them that my debt does not lie with them, but with the original creditor.

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 2019-04-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dream Center Education Holdings
State: NC

Complaint narrative:
I receive a call every single day at WORK. A co-worker of mine has answered a few times and my coworker was told personal information related to my account. The caller assumed they had reached my desk when in fact I was out of the office so the call was automatically transferred to someone else. When that person answered the caller assumed they had reached the right person and proceeded to provide my first and last name as well as what they were calling in regards to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I made a money order deposit at a SunTrust Bank at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. While making the deposit the ATM machine malfunctioned and went offline. I was unable to complete the deposit however the ATM kept the Money Order and only returned my card. I called a SunTrust rep that morning of XX/XX/XXXX informing them of the issue with the ATM. The rep told me I see the deposit of {$360.00} on my screen and you will get credit the following day at XXXX. I did not get the credit. I went to the bank branch and spoke with a rep there who told me I would have to wait a week until the ATM was opened and then I would get the credit for the deposit. The week of XX/XX/XXXX I received the credit of {$360.00} for the money order. On XX/XX/XXXX, nearly 6 weeks later SunTrust reversed the deposit resulting in {$180.00} dollars in check charges to my account. Total withdrawn was {$540.00}. I want my funds returned to my account immediately until this matter can be resolved by either the bank or the money order issuer tracing the money order. This will be difficult as I no longer have the receipt for the money order. I want to know why it took 6 weeks to say they could not find the deposit. This is a bank error and I should not have to suffer financially and be unable to meet my obligations for something they did.

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 2019-04-01 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: FL

Complaint narrative:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.

Company response to consumer: Closed with non-monetary relief