vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank has charged me overdraft fees on items when there were funds in the account for the purchase. Regions could not give me a valid explanation and did not give me my funds back.

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 2019-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I have two leases with XXXX XXXX ( NMAC ). I have made every payment on time on both leases up until this past XXXX of 2019 where I made one late payment on one lease and two late payments on the other lease due to an unexpected family emergency. Since then ( XX/XX/2019 ), I have made all of my lease payments on both cars on time. I even paid the late fees associated with the previous late payments. Now I have a new born daughter and I am trying to get approved for an apartment to accommodate my growing family. But I keep getting denied because of the late payments posted on my credit report and my score has decreased significantly because of this reporting. I contacted XXXX XXXX to explain my situation to the representative and even a supervisor but to no avail. I was told that they do not do courtesy removals of missed payments on credit reports and/or scores. I then asked them what am I supposed to do because with the addition of my daughter I need a better living situation and with the missed payments, it has become hindering to me to be able to get suitable living. The response was a long pause and then an " I'm sorry but we are not able to help you ''. To not continue to have inquiries pile up on my credit report and affect my scores, I have refrained from applying for anymore apartments. But my obviously my family situation has not changed. I still need to have adequate living for my family and my current living arrangement is not good enough. I just feel so helpless. I have been a very responsible person when it comes to my payments and because of one emergency  unexpected event in my life where I could not make a payment, I am being punished for it. I'm sure a situation like this has happened to and/or can happen to anyone especially including those who work for XXXX XXXX. But they still showed no compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I just recieved my background check tonight XX/XX/XXXX I simply was applying for a job at XXXX XXXX and just recieved that I'm a XXXX XXXX which is absolutely wrong. Which I wan na dispute and get rid of from my record. I feel that possibly someone is using my social or other information.

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 2019-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM financial no statements request payments to borrower and not co borrower Dont get statements or anything about the lease nothing in my name just pay by XXXX XXXX and pay fee

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I had my mortgage payment setup to automatically send from my bank to the mortgage company Caliber Home Loans on the 1st of every month. In XX/XX/XXXX/XX/XX/2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because Caliber Home Loans had purchased my Loan from XXXX XXXX Loans I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XX/XX/XXXX/XX/XX/2018 because I didnt know to update the automatic payment I was sending. When this happened Caliber Home Loans reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with Caliber they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of Calibers failure to notify me of the change in payment amount. The account has since been paid in full and closed, and Caliber is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a purchase at XXXX  XXXX for the amount of XXXX. The agreement I signed was for 48 months no interest with equal payments. In XXXX of XXXX, BrandSource which is the card that was opened for the credit charges me XXXX in interest, applied 32 % interest and stated I only had 12 months no interest. I called and submitted my original documents sent to me by XXXX that stated 48 months no interest. They have since lowered the credit limit, reported to all three credit bureaus, and refuse to accept my documents or correct their error. My credit has been negatively affected and no one will help me. It seems that this is fraudulent billing practices for this purchase.

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 monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.

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 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX  failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.

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 2019-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When requesting my annual credit report, I asked In what State a XXXX XXXX Lived? 
I have never met XXXX XXXX! This coupled with a significantly lower credit score than XXXX. Has me very suspicious. I have not missed a payment in years and all credit card balances are automatically paid in full each month other than ones that have extended no-interest loans for a predetermined period.

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 2019-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In Response to CFPB Complaint # XXXX and Capital One Case # XXXX Back on XX/XX/XXXX, XXXX called me and said she was going to dig deeper into my case, and that not to worry because she actually handles cases such as mine ... She clearly didn't dig deeper. And digging deeper wasn't even necessary because the proof was right there in the transcripts, clear as day. A 12 year old could see it. That's why I paid XXXX dollars for them ... XXXX ... No, she's not an XXXX. She can see what happened, she's not XXXX ... She just doesn't wan na cough up the XXXX XXXX. She can't make the attorney pay it, because apparently it's been too long now as the previous agents handling my claim took too long ... She even said to me over the phone back on XX/XX/XXXX ( and Capital One is more than welcome to bring up that phone call XXXX -- " It seems as though someone mishandled your claim. If it was too late for them to open up a disputes case, then they should have told you that from the onset and never opened up the dispute to begin with. So if that's what happened then they need to pay for it. " ... Okay.. Sooo.. Whatever happened to that?!?? Make them pony up the dough and pay the XXXX XXXX. Don't make me suffer!!! Nope, just back to saying the same thing they've been saying for months and months now ... These people are monsters. They do nothing but string people along.. Sick and tired of it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I have contact Aargon Collection I have asked that they remove this from my credit report. They stated that I have to pay them. I have never heard of them and suggested that they go after my insurance company because I have insurance, I was told to send a letter from my insurance company stating that I was covered, I did and I dispute the charges off my credit report, it was taken off one of my reports but not the other they're trying to fight it. I have never signed a contract with them I don't know who they're. I was hospitalized at XXXX XXXX but not Aargon and it's violating my HIPP act at this point. I don't know them and they're refusing to remove the account off my credit report. How do you remove it off one and fight the other. I don't know these people.

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 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
I was renting an apartment in XXXX, Florida. Cable TV service was through XXXX. When I vacated the apartment ( XXXX/XXXX 2019 ) the cable box was inadvertently left behind. After a number of weeks, I received either a telephone call or written notice from Waypoint Resource Group, a debt collection agency, saying that I owed them {$440.00} because the cable box was not returned. ( This is unlikely as the management of the luxury building would have returned the box to XXXX when they took possession of the apartment. ) When I received the first telephone call I asked the caller who they were and when the person said they were calling about a debt I owed for non return of the cable box, I said that I never received an invoice from XXXX. The caller then said that I owed {$440.00} and when I questioned the amount as being far above what I would have owed for the non return of the cable box, the caller said he was in no position to determine that and that is what I owed, so I was left in the position of having to overpay Waypoint for a cable box that I had not ever received an invoice from XXXX for. 

I am ready to pay XXXX XXXX   invoice if Waypoint produces an invoice from XXXX. 

The first indication that this matter had been sent to a credit agency was when I went through my annual review of my credit reports. Checking on who Waypoint is, their record of complaints indicated that it was possible they were not following acceptable debt collection procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Profit Services Group
State: GA

Complaint narrative:
On XX/XX/2019, I answered a phone call from Mr. XXXX. From Profit Services Group, XXXX Georgia. Mr. XXXX said I owed {$58.00} for a XXXX   from XXXX XXXX. I told him I would pay that. I ask if there were any other bills, they were from a accident, that has not been settled. He had three bills. I ask Mr. XXXX to send me the other bills, to make sure they were mind. Mr. XXXX told me the bills were {$130.00}. Said he had two addresses. On XX/XX/2019, I checked to see if Mr. XXXX paid the {$58.00}. Mr. XXXX took {$130.00} from my account without VALIDATION OF DEBT. 
I called Mr. XXXX on XX/XX/2019. To tell him, he DID NOT SEND me the bill 's he said I owed. And you took money from my account, you DID NOT have PERMISSION to do. Without Validation of Debt. 
Mr. XXXX still has not sent me proper prove of Validation Of Debt. 
I gave him permission to pay {$58.00}. Not {$130.00}. The bills I have found do not equal {$130.00}. The bills were only {$120.00}. The bottom line is, this is stealing money from my account without permission. 
Mr. XXXX said our message was recorded. I told him twice. You are gon na take {$58.00} from my account and send me the other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: GA

Complaint narrative:
Equifax is showing a collection account on my credit report. This account is inaccurate and despite my dispute they have not removed it nor have they provided any documentation to verify or validate that the ( inaccurate )  account that they will not remove is in fact mine or does belong to me. 
The Equifax confirmation # in question is XXXX. 

XXXX has already concluded that the account was NOT accurate and has removed it from my report ( a copy of that notice is attached as well ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: VA

Complaint narrative:
i am having my wages garnished i never recieved any informaion in reference to this i had tried to established a repayment yrs ago but as student loan debt has been highlighted that companys taking advantage of this sitiation i have had my federal taxes withheld for many yes and still no resolution has been given to me these companies just take advantage of hard working people to fatrwn their pockets with the high interest rate. Consumer do not know who to trust as America Companies are becoming more and more greedy over the American dollars and finding more ways to take from consumers

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 2019-10-10 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: OH

Complaint narrative:
All of the credit bureaus have allowed the debt collection company, Portfolio XXXX XXXX to illegally report against my consumer credit files. XXXX, most recently verified the account. As a consumer, I am very aware that there are very limited choices that I can make in order to dispute these items and the reports favor the company over the consumer. They pay to be allowed to be able to report against consumer credit files and it shows when a consumer disputes illegally reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I disputed some fraudulent charges on my Chase Bank account, which the denied. 

I did not give anyone my card or my PIN number and my phone and wallet was also stolen. 

My Pin was the code to my phone so whoever stole my debit card already knew the code to my phone. I never shared my PIN number so they must've been someone I knew personally. 

The person has to be one of my old care-takers, my wife had to fire a few of them because they were caught stealing other things from our room in the past. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CLAIM # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$2400.00}

Company response to consumer: Closed with explanation