vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Kohl 's Charge card in XXXX. Like most Americans, I sit down every two weeks and pay the bills. It's pretty simple, I open the statement, and send the payment. This Kohl 's account was no different. That is until XX/XX/XXXX. Kohl 's failed to send me a statement this month, and as such, I didn't make a payment. I never received any notice or correspondence that a payment was due, or that I was late..this is my wife 's card, so I just assumed there was no balance that month. 

Kohl 's waited 60 days to give me a " courtesy call '' and tell me that my payment was now 60 days late. I was floored. I paid immediately, but the company has refused to correct my credit history. This is a practice that less scrupulous card issuers use to justify raising the interest rates of cardholders that pay on time. It's a crooked business practice, and consumers should be aware not to open a Kohl 's Charge account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synovus Bank
State: FL

Complaint narrative:
Hello I was just writing in regards to some accounts that were settled and satisfied. but the creditors are still refusing to remove them from my credit reports. this is causing alot of problems for me to get approved for a loan. I asked for the accounts to be remove permanently. please help me with this if you can. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax websites have not been working correctly for years now. I have disputed several items on my credit report but every time I call to get a status, the customer service reps tell me that they can not authenticate my identity. I have answered several questions as they requested numerous times and still I can't get any access to get a status. I understand that Equifax outsources their customer service from XXXX and other XXXX countries but it is hard to get any type of help with my report. 
Also, I get confirmtaion emails staing that my dispute is complete but the website never works and it has been like this for 4+ years now. 
Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2019. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: FL

Complaint narrative:
I pay for Experian Service and they updated their website. I am unable to dispute online. Furthermore, under their new system they are not correcting disputed items although I sent them documentation from the furnisher indicating that t should address the issue with the CRA since they do not go back and correct " OLD : reported data on CLOSED accounts. That the CRA is responsible for fixing this. This is what XXXX told me on account that I disputed. Furthermore, XXXX XXXX XXXX XXXX said they removed the late payments when I was paying to a security account during HAMP for 6 mos back in XXXX or XXXX and Experian has failed to correct this information. Not only that, they are supposed to purge inquiries within 2 years and they are retaining all inquiries and not purcging this in a timely manner. They do not update ALL information as submitted by furnisher and I have to constantly filing disputes so they have blocked my ability to do so online intentionally which is my right under CRA. I have a document that shows some of the XXXX inquiries that are still reflecting and there are some dupes.

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 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
In XX/XX/2018, I had a procedure performed at XXXX XXXX XXXX. Subsequent to that procedure, I received thousand 's of dollars in medical bills. If the bills appeared to be correctly allocated and consistent, then I paid them. THOUSANDS of dollars of bills that I paid timely. 

There were a small subset of bills that I received monthly with varying amounts. XXXX could not identify how much I owed for these activities. Every month was a different amount. 

Please keep in mind I had already paid XXXX and my doctors THOUSANDS of dollars. In the Fall of 2018, I decide, " No more! I will not blindly pay these bills. XXXX needs to figure out precisely how much I owe. '' So I called XXXX, and they told me their billing system had recently changed and that they would straighten out the billing issue. I never received a call back or a corrected consolidated statement ... 

Instead, XXXX sent all of the bills with differing amounts ( {$59.00}, {$84.00}, {$130.00} ) to Creditors Collection Service. 

Now, Creditors Collection Service is sending monthly delinquency notices to XXXX, XXXX, and XXXX  that I am delinquent ... I am only delinquent because XXXX, and subsequently Creditors Collection Service, does not know how much I actually owe!!! 
- XXXX has been removing the delinquency notices from my credit report at my request ; however, Creditors Collection Service is adding new notices every week. 
- XXXX deferred to Creditors Collection Service and did not remove the deliquency. 
XXXX XXXX decision is pending. 

I am sorry if I sound frustrated. It's because I am. Please keep in mind that I have already paid XXXX XXXX THOUSANDS of dollars. I am fighting over the {$59.00}, {$84.00}, and {$130.00} out of principle. These companies should not be allowed to just make-up numbers and instead of rectifying their own inadequacies in their billing system. 

Please, PLEASE, help me get these delinquencies removed from my credit reports at XXXX, XXXX, and XXXX. And please punish XXXX XXXX XXXX and Creditors Collection Services for their inadequate billing processes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number ( XXXX ). My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized

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 2019-04-11 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This item was to be removed per an error in credit reporting. We submitted a complaint a couple months back that was not resolved satisfactorily. There was never any documentation proving that this item was added in line with FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I settled an account to satisfaction. I ask the creditor to remove it from all 3 Bureuas. after it was settled. they refuse to. please help me with this matter.Thanks.

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 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
For the last 23 years my estranged husband and my in-laws have taken out a large variety of farm loans and ongoing lines of credit for which Ive co-signed many, if not all of them. Originally they were done through my Brother-In-Law, who at those earlier years was our loan officer at our bank, eventually they figured out that might be considered a conflict of interest and we received a new loan officer. Im not sure if this was the same time period my Brother-In Law became Vice President Of the bank. Now, almost two years ago my husband filed for divorce the same day probate for my Father-In-Law became final, I didnt even know it had started. During the high conflict, ongoing divorce, Discovery comes up, Im Pro Se due to the fact husband took all joint funds and put them into an account only he can access at the bank. He has two attorneys. I asked for copies of his bank statements and copies of our most recent loan documents that I signed on just three months prior, and was told be our loan officers supervisor Its none of your business, its farm business. I still havent received any documents from them. Our CPA also will not give me any copies of our taxes Without his permission because His name is primary on our account. He refused my request. Theres a Testamentary Trust involved from my Fater-In-Law for which my V.P. Brother-In-Laws wife is a beneficiary and my husband is supposed to by out her share, husband was also Executor of the will. I also saw the land loan we took out in 2007 had my forged signature on it. I didnt even know we bought land until it was all done. By the way our bank is Bremer and our CPA is XXXX XXXX & XXXX XXXX. Not that it makes a huge difference but Im also XXXX. Bremer has since closed my 23 year long checking account, so I no longer have a bank, much less any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
Over a year ago XXXX and XXXX sent a letter alleging a debt to XXXX XXXX XXXX. I disputed the debt within 30 days and eventually received a letter stating they had sent it back to the original creditor. All medical debts with XXXX XXXX has been resolved. There is no debt to collect. Despite this I received a voicemail yesterday from this company. A man named " XXXX XXXX " left a message to call him back. He did not identify who he was working for or why he was calling. Apparently XXXX and XXXX thinks people are too stupid to see the caller ID and look the name up. XXXX and XXXX is a debt collector with a history of deceptive and abusive practices. Their intention is to create the appearance of a legal threat. This is a clear continuation of their deceptive strategy. They are to stop all communication with me immediately.

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 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I checked my XXXX  credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX and XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to XXXX. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company.

At this time I will also inform you that your office reporting invalidated information to to XXXX  constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Hello, several months ago I called Capital One to update my name from XXXX XXXX to XXXX XXXX XXXX ( my name changed due to marriage ). I provided Capital One with all required documentation. My name was changed successfully - I was issued new cards with my correct name for all of my credit cards and debit cards. 

My husband called Capital One about a week ago to request new checks on our joint Capital One Interest Online checking account. We received the checks earlier this week. When we reviewed the checks, my name was spelled incorrectly with the former spelling ( XXXX XXXX ). 

We called Capital One to inquire as to what happened. We were told that while my name was updated for all of my credit cards and 360 bank account, the name was not changed with the Interest Online checking account. So we asked the rep to simply look at the existing accounts that I have and make the name update, to which we were told Capital One can't do that without proper documentation ( marriage certificate and drivers license ). We advised the rep that we've already worked with Capital One to provide everything needed for all my other accounts and the rep advised that he still couldn't do it because " the procedures for the Interest Online checking account are different ''. 

I've attached a copy of my marriage certificate and drivers license to this complaint. I'm not sure why one area of Capital One can not talk to the other, but can someone please update my name on our Interest Online checking account to XXXX XXXX XXXX and reissue us a new set of checks with the correct name? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
The company, Source Receivables Management, has provided an incorrect address that I have never lived at, to the credit reporting bureaus. I contacted the company to have the mistake corrected and they refused to take down the correct information and report it to the bureaus as is required by law. The company stated that it was the responsibility of the credit bureaus. The individual I spoke to would not take my corrected information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On more than one occasion my bank ( Chase ) has charged me multiple overdraft fees towards my account. And it has to do with the way they process charges as they hit my account. They will take the largest item first, which will overdraw my account, and then charge smaller items afterwards. Back on XX/XX/XXXX, this very same thing happened. We had a balance of {$130.00} and I had 3 charges come in to my accountone for {$350.00}, one for {$69.00} and another for {$46.00}. The bank ran all of these in that order and subsequently charged me 3 overdraft fees in the amount of {$34.00} each. When I called to complain about this practice they said they do it that way because they feel that larger items are more important items like house payments, car payments, etc. The bank has reimbursed us before for this practice, but told me this is a one-time courtesy and will not do it again. 
Had those charges been done in reverse order, we would have had only one charge. In my opinion, as well as the rep from your agency, this is a shady business practice and a way for a bank to make more money off of people struggling to make it through until payday!! 
And this continues to happen to this day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX Charges on CITI credit card that dates back to 2013. Citi has charged me {$1100.00} to date for a service that was added on to my account without my knowledge. When contacted requesting a statement that shows all the charges by XXXX, the customer service agent said they won't be able to send it to or provide it.

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 2019-04-11 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: CL Holdings LLC
State: OH

Complaint narrative:
I worked to resolve this issue with the company at the end of 2018. It was understood that the items would be removed if they failed to provide the required documentation with the 30 day window per the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I do not have record of every transaction over the past 8 years but Sallie Mae and Navient are wrong every single time. I continually speak with them on the phone and I receive inconsistent information regarding my loans. They ask for money, I give it to them if I can, they will tell me I am current until next month. Usually a couple of days later they call and ask for more money. I am not sure if this is a commission based job as debt collectors and it benefits them to deceit others in this way but it happens often, and if they are not calling me they are calling my co-signers at the same rate. I went to school in the college of XXXX and passed all of my XXXX, XXXX, and XXXX classes with flying colors usually leading a study group helping other to pass the classes ; point being, I have an understanding loans but I have never known my own personal lending situation ever in the past 8 years. I give them well over 2/3 of my income most years and my principle balance keeps going up every year as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flatonia Investments, LLC
State: PA

Complaint narrative:
I received a letter of credit denial from Envoy Mortgage dated XX/XX/2019. I have never heard of Envoy Portage, nor have I ever applied for a mortgage with Envoy. The loan Originator 's name is XXXX XXXX. Upon contacting Mr XXXX he indicated he received an email forwarded to him with all of my personal information and took it upon himself to apply for a loan in the the amount of {$240000.00}. I at no time was purchasing a home, or even looking at homes to purchase. I was never contacted b y Envoy Mortagge at any time. I have never heard of XXXX XXXX or Envoy Mortagge prior to receiving the denial letter. 

I spoke to XXXX XXXX at Envoy 's compliance department. XXXX advised XXXX received my information from an unaffiliated third party named XXXX XXXX. I confirmed with XXXX that XXXX was not employed by Envoy when my information was exchanged, and she is not currently employed by Envoy Mortgage. I asked XXXX if the process of applying for loans without ever speaking to an applicant, or the applicant 's knowledge that a loan is processed is legal. XXXX advised yes. 

I would like any and all information on my credit report affiliated with any individual and.or company involved in this loan application removed from all three credit reporting Bureaus.

Company response to consumer: Closed with explanation