vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 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: MS

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
These item ( s ) showing 30/60/90 days late payments are inaccurate because the vehicle that was financed by XXXX was totaled by XXXX insurance on XX/XX/XXXX. 
XXXX voluntarily stopped drafting my checking account for payment. I contacted XXXX on several occasions once they reported me 30 days late and was assured no payment was required of me and that the late payment status would be removed from my credit report. 
XXXX has made no attempt whatsoever to collect payment from me in any way. 
Please remove these items from my report. 

. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2018-12-20 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: CA

Complaint narrative:
According to my recent credit report request from XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NOT SIGNED AGREEMENT WITH ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XXXX & XX/XX/XXXX BUT I HAVE NEVER BEEN LATE ON THIS ACCOUNT PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENT OFF THIS ACCOUNT XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX BUT I HAVE NEVER BEEN LATE ON THIS ACCOUNT PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENT OFF THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
Honda Finance repossessed vehicle and refuses to accept payment to reinstate contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This complain is about XXXX XXXX card ... while applying I was told to open a new card that I would earn a certain amount of points. 
Never got points, it was turned around on me and said I had to purchase. In the initial transaction online said transfer and new purchase. 

Second complain is about allocation of payment. I paid a lump sum in XXXX and majority was suppose to go to balance transfer. Only {$63.00} dollars was applied, and the rest was getting high interest rate. Every time a payment is applied it only goes to the first bucket of interest. According to my statement, the transactions are divided into two brackets. One is a higher interest rate than the other. So, I was paying higher interest rate for the balance transfer when money was apply to pay some of it off. The credit card company told me that they can't allocate payment.

So, if payment can't be allocated, why is there two bucket verses one payment. The statement is broken into different catergory. Please advise on this situation.

It's like buying 2 different purchase with two different interest rate. If it is so then a person should be able to allocate payment. If not then they owe me XXXX  point for opening a card with one interest rate as the rep claims. I believe to open a XXXX card was XXXX points or more at the time of promotion. 
Please advise to XXXX Thank You, 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 2018-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
I have tried to call Conduent for a month since XX/XX/2018. I wrote a letter to the address listed on my statement and the letter was returned! All of the numbers I have tried for Conduent are disconnected! Is this company a scam? I don't know. How do I get ahold of the company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Back on XX/XX/, I disputed the balance of {$780.00} that took place at the XXXX XXXX XXXX. I spoke to a collector trying to solve the problem by making an offer, but they declined my offer so I filed a dispute after that. When I spoke the collection agency or XXXX XXXX XXXX, they agreed to freeze my account until they resolved they issue for the payments I provided to the XXXX XXXX XXXX on XX/XX/XXXX for {$300.00}. The {$300.00} I provided cash to XX/XX/XXXX office, I made a mistake of not asking for a receipt that day because I was upset for the unexpected fees that I wasnt notified for. After that, I dont know what money has been credited to my balance, all I know is that I am in collections for fees that I wasnt aware of. XX/XX/XXXX XX/XX/XXXXsupposed to stop the late fees after I disputed the account because thats what they agreed to, but they didnt do it they kept on adding fees to my account which is making it more difficult for me to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I lost my job and got another job.I am trying to get back on my feet., the company start garnishing my wages without me knowing. I do not made enough money and I have to take care of my child and live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX replaced the HVAC system in her home. As a finance option she was invited to apply for a payment plan that was 0 % for 60 months. She was approved and set up automatic payments to honor that arrangement. In XXXX she happen to open a mail item that revealed that she was not on a payment plan and that she had infact been lied to by the sales person and her information was instead used to apply for a credit card with Synchrony on a deferred interest plan for only 18 months. On XX/XX/XXXX I called on behalf of my XXXX year old mother and spoke to XXXX and XXXX regarding a resolution. I explained that the person that presented the offer and convinced her to apply did so using false information about the product and that we were interested in paying off the balance minus the deferred interest as this account was applied for under false information provided by the live person selling the financing options. XXXX had faithfully been paying on what she understood to be a 60 month payment plan and aince we discovered the deception I was prepared to help her pay off the balance. I was advised that they do offer a 30 day window past the regular deferred interest posting where they are willing to waive the interest in exchange for the balance being paid off. I was told that this is in place because often customers do not understand that it is deferred interest and call to pay it when they get their statement. However, since we became aware of the situation after that window there was nothing they could do. I explained that existence of that window suggests they are aware that customers do not understand what they are signned up for and advised that I consider this predatory lending at it's worst.

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 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Company has repeatedly sent me letters trying to collect a medical debt that is not mine in the amount of {$1200.00} on XXXX XXXX for a person named XXXX XXXX who resides at XXXX XXXX XXXX , XXXX , Texas XXXX. His birthday XX/XX/XXXX. 
His phone number is XXXX. 

This is not me. I have tried to explain to this to the person on the phone with the debt collector agency ( Commonwealth Financial systems ). He was a completely unprofessional and not willing to help me at all. They have even reported it to XXXX. I have excellent credit and this has lowered my credit score. Please help. Not sure what else to do. 

Warm regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an email stating that my credit card account has been closed. I did not authorize this closure. I was not notified until after the account was closed. The company did not give me notification beforehand that the credit account was going to be closed due to in activity. This credit card has been on my credit report for 10 years. By citi cards closing the account, it with ruin my credit. I have tried to resolve this with them but they said they gave notice before hand. I have all messages in the online portal and the only notification i got regarding account closure was after the fact, when they had already closed it. attached are the only notifications i received.

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 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I sent letter to the collection agency asking them to VALIDATE a debt .The company sent me bills and that's not validation. XXXX sold the debt to XXXX XXXX XXXX # XXXX and I would like for this account to remove from my credit file.!

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 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a card with Care Credit. They informed me that it was six months of no interest. Now they just added a large amount on my balance. I called and they said that they added all of the past six month interest on the card. That's not the agreement that they gave me. This is not right

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 2018-12-21 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}

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 2018-12-21 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX  charged my card twice without my authorization, first charge XXXX and XXXX..i have disputed this with capital one and they credit my credit card and then 90 days they re billed me for the same charges, i told them over and over that i did not authorize this charge and they refuse to credit my credit ... .this is unethical ... .i did not authorize the charge, and i did not receive any merchandise as well ... i want those charges refunded back to my credit card ... they sent me a bill from XXXX and the bill did not have my name on it and did not have my address on that bill, so i do not know why they refused to adjust my account correctly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
National Credit systems ( XXXX XXXX XXXX XXXX GA XXXX ) have  been calling me on daily basis trying to collect rent for a lease that my daughter backed out of before the execution date. The NCS Acct # is XXXX & XXXX ACCt # XXXX They sent me initial letter in XX/XX/2018. I have communicated to them in writing using certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018 asking them to prove that I am legally obligated to pay the lease providing evidence for the following - Documentation that I disputed the XXXX XXXX Issued the lease after my daughter communicated to them that she does not plan to move into the apt . 
- Documentation that they acknowledged that I disputed the lease. 
- I also pointed out that any dispute regarding the validity of the lease belong in the Indiana court and not by a third party collector agency. 

They are continuing to call me on daily basis saying that they rejected my evidence despite my request that they stop contacting and trying to collect based my my documented dispute with the XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Keep getting calls about being past due and late, when paid before late date. Also calling people that are not on loan and even tied to my loan after being repeatedly told not to call them. They stepped out of line calling a family member thats not even on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: NV

Complaint narrative:
On XX/XX/2018 TransUnion began showing an account in collections on my credit report ( per XXXX and XXXX XXXX ). This account {$65.00}, the collector, XXXX, and the original creditor, XXXX were not at all familiar to me. I called TransUnion and after great difficulty was able to speak to someone in my own language ( English ). The problem was resolved quickly but no explanation was ever given as to how this could happen or what precautions would be taken to prevent a recurrence. The U.S. based phone rep was very professional and very helpful. I promised her I would file a complaint on this issue because credit reporting agencies must be held accountable. Mistakes like this one can not be allowed.

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 2018-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint re : JPMorgan Chase, XXXX, XXXX, XXXX  What happened? 

I have a 28-year long standing of excellent financial history with no late and no missed payment, until I ended up with Chase as a lender via XXXX XXXX dealership in XXXX, TX, in XX/XX/2018. 

What I originally thought by borrowing a little to further improve my credit score from 811 to 835+, led me into a series of troubles because Chase never provided me with a billing statement, nor my loan number, nor my payment due date, nor payment alert initially I set up, nor late due notice/alert. In less than 6 months, I was late on payment twice because I never received any billing statement or any communication from Chase, the lender. After I made two phone calls which really affected my full time work, their terrible customer service reps threatened to destroy my excellent credit and he did! In one month, my score dropped by more than 100 points. Given that Chase never sent me a billing statement, it is illegal for them to charge me fees and try to destroy my credit. 

I also complain about credit bureaus for not informing me, for not investigating, for just taking what Chase says/claims to punish me for nothing I did wrong. 

These big businesses are bullying great consumers like me! Something need to be done to not allow them to mistreat good, financially responsible consumers like me. They should not be given the power to abuse my credit and my reputation of 28+ years of good standing. 

PLEASE, HELP US! 

I plan to contact our senator about this, too.

This is UNACCEPTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one credit card reported that there was no payment on my credit card in XX/XX/XXXX quick Silver ending in XXXX My Capital One 360 representative told me that this was not correct that in fact I paid {$100.00} in XX/XX/XXXX and XXXX the previous month and the money was sent back to my account because an employee made an error in blocking my checking account without my authorization* Eventually the block was lifted and the payment was made without me knowing anything about it the circumstances surrounding this issue* The bank reported me late twice to the 4 credit bureaus on this card even though they knew it was wrong to do so* Capital recanted the fact that I didn't pay them on time but refuses to communicate with the 4 credit bureaus to fix my credit report* This is wrong because Capital one stated to me " You need to fix your own credit '' " You need to dispute this situation and then we will correct it " I believe that since they reported and caused the situation of damage to my credit score they should correct what they did wrong '' Even though I have told them Im XXXX they don't seem to care much about the stress and damage that this has cost me with my XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a victim of Scam Call who posed as a Law Enforcement Officer and scammed me of {$10000.00} in the form of XXXX Gift Card.  Within few hours of sending the information to the scammer, I realized it is a scam and immediately called the bank to stop the transaction. The bank said they can not stop the transaction unless the merchant can stop it on their end. I called the merchant and they said they can not do anything unless the bank files a fraud complaint.I called the bank again to file a fraud complaint and after several calls and many hours of hold, the bank declined to file a fraud complaint. The bank said the fraud complaint will be declined and they don't think filing a complaint will be efficient use of their time. In spite of immediate actions after finding out about the scam, I am rendered helpless in stopping this scam from taking place because nor the bank or the merchant are ready to assist me in anyway.

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