vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed on multiple occasions with the CRA 's and directly to the creditor, Capital One. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The CRA 's keep concluding my disputes as validated accounts, and they do not correct or delete the inaccurate the  information. I requested the CRA 's to reinvestigate the wrong past due amounts, and wrong balances that's reporting on my credit reports. How can a credit card company report a credit card with only a {$300.00} llimit, with having a past due balance of {$3700.00}! That's impossible. I requested proof that I owed this balance and I have NEVER received any proof that I owe this outrageous balance. The 3 credit bureaus are also reporting conflicting, information. I mean don't the credit bureaus all contact the same creditor and aren't the creditors suppose to provide the same, accurate information to ALL the CRA 's? So if they are actually verifying the information that the creditors are providing them, then my credit reports should all look the same, but they DON't! Because the CRA 's and creditor, Capital One are reporting wrong information, I'm at a 240 % revolving credit balance which is severely impacting my credit score negatively. I have requested on many occasions for the CRA 's to conduct reasonable investigations regarding the information on my credit report, but they have failed to do so. In a reinvestigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. I have included copies of the credit reports, the different reported information that's been inaccurate for many years. I have alerted to the accusation that the accounts were inaccurate, and then confronted with the credit grantors ' reiteration of the inaccurate information. However,, XXXX, XXXX, and XXXX continued to rely on the inaccuracy of the creditor and did not re-investigate or verify that the information provided by the creditor was in fact complete, accurate and true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NY

Complaint narrative:
Credco ran my credit without my consent they state they have no signature on file but can not remove off my credit score. Hard inquiry on my credit score I want it removed if possible please.

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 2018-05-12 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: MA

Complaint narrative:
I have disputed account listed below that does not belong to me and XXXX, XXXX and TransUnion XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX., opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, reporting XXXX XXXX  XXXX XXXX., opened XX/XX/XXXX XXXX XXXX, opened XX/XX/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 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX {$680.00} The debt collection firm is trying to collect on a debt that is not mine. This was to be resolved after my communication with them and advising them that the charges were either someone else or fraud. 

This debt collector was advised that they are not to put erroneous information on my credit report as it a item that is not mine. 

I have sent them a letter to request the forms to put this in as fraud and they can not provide as it was paid in full by XXXX. These bills are not mine and I have requested signatures to provide proof that they are mine. 

This company is abusive in their practices on the call and have been reporting on bills that are up to 4 years old. The information is incorrect and they are not listening just billing me and putting wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX has offered me no reasonable options to make payments. I have hundreds in other bills to pay each month, I work part-time and I can't even live on my own or support myself because XXXX XXXX is a black cloud over my life.

My grandmother and I spent over an hour on the phone with a " customer service '' employee, a female, who realized that we both had a deficit when it came to our monthly income and bills each month after a financial examination. That being a reality, I still was not offered a reasonable option to begin payments. I was told that I " have the money '' .. even though I was in a deficit.

It is absolutely crazy how this company would rather drive people to insanity and depression instead of doing all they can to make payments affordable. To really ask if a co-signer, almost XXXX years old, would be " seeking full time work '' in order to help me pay the ridiculous amount is crazy.

I'm not sure what can be done, but the truth about XXXX XXXX and the type of greedy business they run needs to be brought to light, and the lawsuits currently against there shed light on how unreasonable this company is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AGORA NOTUS, LLC
State: GA

Complaint narrative:
I got a loan on my title through complete cash, ive been experiencing where when I pay on the loan It would go down on the total amount due then it would go back up '' they are charging very high interest on this loan, I feel like I can't get ahead and this place is very crooked, ive seen where when I make a payment it would go down but next time it goes back up causing me where I can't get it paid, I want something done about this, I found that title places can not charge high of interest, I want this investigated, this place is charging so high of interest you can not afford to pay your title out nothing seems to go towards my balance to lower it, I think complete cash is a scam, they got it where I got to pay this loan back in 6 months I borrowed XXXX they want me to pay back XXXX dollars, under the law you can't be charged 30 percent interest. They are charging way more than that I want my title back this place put under investigation, they had did my step dad the same way and now I am please help I will file with other agencies, I sent a copy of my title pawn interest form, I will also send this to the attorney general and FTC,

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 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX is reporting the account XXXX as a debt.its not an account.Its is builded on a paid account paid to XXXX   account # XXXX paid {$750.00} on XX/XX/2015.Do XXXX XXXX have a court paper showing that when account was purchased and taken out of charge off.No its a paid charge off because I paid it XX/XX/2015.and XXXX XXXX need to move on off my credit reports.If you remain you have already broken the law by putting your name on my credit report and my paid debt as a open account.The F.T.C. fair reporting Act is beening broken by you reporting this account.because the information you reported is not true.and I give the C.F.P.B. permission to take a look at all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
XX/XX/2017 I went to a hospital in XXXX, Tx. Medicaid Insurance covered the bill. Since then I have had no medical bills sent to me and Medicaid said they paid the full bill amount and all of the medical billing were suppose to go to Medicaid. But I got a fraud collections account posted on my credit from Midwest Recovery systems saying I owe it {$480.00}. I have experienced this collections fraud before over a medical bill. I don't think credit monitoring is a secure site to have knowledge of people 's identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
so i met a guy on XXXX and he was selling a gift card to me. He told me to send the money to his friend 's paypal account. I sent the money but the seller said that he cant take paypal and he will tell his friend to refund my money. After a few days he just blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My credit score from the three major reporting agencies are XXXX, XXXX, XXXX. How can XXXX XXXX justify a rating of XXXX? Because they make up false information on the people so that they can help Ally Bank hopefully make more money on their auto loans.

Limited history at address : I am in the process of moving to this location. I told that to the XXXX people at XXXX  when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years.

Not enough debt experience - I usually pay CASH, is that a crime?

Total Account balances?

Limited history at this Phone : 20 years on one phone and 10 years on the other. How XXXX  is that?

XXXX XXXX, ( XXXX XXXX XXXX, XXXX XXXX, XXXX., XXXX ) and Ally Bank ( XXXX XXXX XXXX, XXXX XXXX., XXXX ) are co-conspirators to defraud the public by providing wrong and or misleading information, so that Ally Bank can change the terms of the submitted auto loans so that Ally Bank can make more money.

I am not sure if XXXX   is also involved in this conspiracy or not, but if you look up all the complaints filed against XXXX XXXX, it sure looks like their might be a lot of auto dealers also involved as well as Ally Bank, for sure.

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 2018-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Financial Credit Services, Inc.
State: SC

Complaint narrative:
I received a letter dated XX/XX/2018 from American Financial Credit Services , Inc. that was addressed to a " XXXXXXXX XXXX XXXX '' but was mailed to my home address. I have no connection whatsoever to XXXX XXXX XXXX. I have no idea who is linked to this XXXX or what the debt is. Clearly, they have confused me with someone else. 

This company threatened tax liens with the SC Dept. of Revenue against me in the amount of {$10000.00} But this debt isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
on XX/XX/2018 I filed a disputed with TD Bank regarding 5 unauthorized ATM transaction from my Checking accounts I have reported the incident to the local police department and filed a police report. TD bank refused to honor my claim stating that the card that was used to conduct the transaction had a chip on it. I had my ATM card on my possession at the time of the incident. TD bank wants me to pay back the money that was taken out of my bank account without my authorization. can you please help me with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo regarding a charge of {$1.00} on my card. The representative couldn't tell me why I was being charged the {$1.00}. There was a heated argument between myself and the representative over the charge to my account. The call ended shortly after that, and on the very same day, I discovered that there was a payment to my card that was posted in the amount of {$1500.00}. I never authorized that payment, and a few days later my checking account with my normal bank, XXXX XXXX XXXX XXXX XXXX, didn't have the funds to cover the payment of {$1500.00}, so XXXX  charged me {$32.00}, and Wells Fargo charged me {$27.00}. I went in person to Wells Fargo on XX/XX/XXXX and told them to not attempt to collect the {$1500.00} since I never authorized that payment. On XX/XX/XXXX, they collected the {$1500.00} from the payment that I didn't authorized even though I told them in person and on the phone not to attempt to collect. XXXX  charged me another {$32.00}, {$5.00} for withdrawing money from savings account, and the {$1500.00} from my checking account.

On XX/XX/XXXXI scheduled a payment for {$100.00} on the Wells Fargo card. It doesn't make any sense that I would schedule a payment of {$100.00}, then on the same day schedule another payment for {$1500.00}. I am sure that the Wells Fargo representative that I argued with over the phone was the one that scheduled the payment of {$1500.00}, and I like there to be an investigation into this matter.

Thank you very much and I appreciate any help you can offer.

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 2018-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX-XXXX-18 won't let me connect my account to my card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have disputed on multiple occasions with the CRA 's and directly to the creditor, XXXX XXXX. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The CRA 's keep concluding my disputes as validated accounts, and they do not correct or delete the inaccurate the information. I requested the CRA 's to reinvestigate the wrong past due amounts, and wrong balances that's reporting on my credit reports. How can a credit card company report a credit card with only a {$3000.00} limit, with having a past due balance of $ {$770.00}. That's impossible. I requested proof that I owed this balance and I have NEVER received any proof that I owe this outrageous balance. The 3 credit bureaus are also reporting conflicting, information. I mean don't the credit bureaus all contact the same creditor and aren't the creditors suppose to provide the same, accurate information to ALL the CRA 's? So if they are actually verifying the information that the creditors are providing them, then my credit reports should all look the same, but they DON't! Because the CRA 's and creditor, Capital One are reporting wrong information, I'm at a 200 % revolving credit balance which is severely impacting my credit score negatively. I have requested on many occasions for the CRA 's to conduct reasonable investigations regarding the information on my credit report, but they have failed to do so. In a re-investigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. I have included copies of the credit reports, the different reported information that's been inaccurate for many years. I have alerted to the accusation that the accounts were inaccurate, and then confronted with the credit grantors ' reiteration of the inaccurate information. However, XXXX, XXXX, and XXXX continue to rely on the inaccuracy of the creditor and did not re-investigate or verify that the information provided by the creditor was in fact complete, accurate and true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: PA

Complaint narrative:
Credco Inquiry from

XX/XX/XXXX - Misc. This inquiry could stay on your report untilXX/XX/XXXX
.

See an error?

Find out how to dispute a hard inquiry Institution Information Credco  XXXX XXXX, CA 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 2018-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I found out that my XXXX Credit Card limit had been dropped from {$1800.00} to {$100.00}. I had just completely paid off the credit on XX/XX/XXXX. I have never missed a payment, never been late, yet my reward for paying off my credit card was for XXXX XXXX. This is actually the 2nd time XXXX XXXX has done this to me. On another account they lowered my limit from {$2500.00} down to {$1500.00} even though again, I have never missed a payment, and that card was completely paid off. My credit score is at the exact spot it was when XXXX XXXX issued the cards to me.

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 2018-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I currently have a mortgage with XX/XX/XXXX. I am a XXXX  in XXXX County. In XX/XX/XXXX Hurricane Irma struck and we requested a disaster forbearance for our home. XX/XX/XXXX granted the forbearance to the end of XX/XX/XXXX. At the time my mortgage payment was {$2600.00} per month. I had never been late since buying the home in XX/XX/XXXX. They told me at the end of XX/XX/XXXX to call them to set up new terms for the mortgage. I did so and was put on a 3 month "  trial '' period of an increased payment from what I had been paying prior ( {$2600.00} to {$2700.00} ). At all points in this forbearance and modification of the loan have I followed all of their requests without fail. In XX/XX/XXXX they reported to my credit report that I am 60 days delinquent on my payments thus literally destroying my good credit. I have requested with them that they fix the credit report with an explanation the I have been under a forbearance due to disaster and have paid all payments that they have requested. I did so in writing to them and have, as of yet, had anyone correct this on my report. I've been complaining since XX/XX/XXXX ( the very day of the credit reporting ) for them to fix this and was assured they understood and would do so. This has been to no avail. I have lost my good credit, had my credit cards either reduce my credit limits or outright cancelled my credit. On top of this, they now state that I have a " lien '' on my house and they requested I go to the XXXX county records office to " prove '' that this is not the case because I presumably have a " common name '' and they now have the modification of my mortgage on hold. I went to the county records office and found no such " lien '' under my very specific name and faxed them all that was on the county record. 
My grievance is twofold. They are taking advantage of people that suffered through a natural disaster and misreporting this to the credit bureaus that I am late on payments when I have followed to the letter what they have requested. I want my credit report accurately reflected as what has really happened. Also, the underwriters appear to be playing a game stating I have a lien on my property that does not exist just to stall on the final arrangements for the mortgage payments from this time forward. I want them to quickly resolve these problems as soon as possible. No more stalling, no more games, no more requests to run 20 miles to the county courthouse to find non-existing liens on my home or in my name. 
I researched the XXXX XXXX XXXX web site for complaints against XX/XX/XXXX and found two other complaints from Hurricane Irma victims that are similar to mine. The company needs to be held accountable for their misdeeds against the victims of natural disasters and do what is appropriate.

Company response to consumer: Closed with explanation