vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-07 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: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
The creditor CBA COLLECTION BUREAU OF AMERICA is still showing OPEN on my XXXX   account, even though it was discharged in XXXX Bankruptcy. XXXX shows it as discharged in XXXX, but still OPEN, which is impossible. 

I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as XXXX   report trade line shoing still OPEN. 

I have disputed this more than once through XXXX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: FL

Complaint narrative:
The creditor XXXX XXXX XXXX XXXX XXXX is still showing OPEN on my EQUIFAX account, even though it was discharged in XXXX Bankruptcy. Equifax shows it as discharged in XXXX, but still OPEN, which is impossible. 

I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as EQUIFAX report trade line shoing still OPEN. 

I have disputed this more than once through EQUIFAX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Organizations that want to do business with the U.S. federal government, and their state and local agents, such as XXXX XXXX Community Development, must have a System for Award Management ( SAM ) number to apply for federal grants and/or contracts. Although acquiring a SAM number is free, the application process can be cumbersome. In addition to a taxpayer identification name and number, XXXX XXXX XXXX number, and IRS review, organizations must have a bank account and routing number. 

Last XX/XX/XXXX, I was completing a SAM application for XXXX XXXX, the community development arm of Metropolitan XXXX XXXX XXXX XXXX XXXX XXXX, when I decided to search low-cost offers for small business banking. When I checked online, PNC, which has a branch less than a mile away, popped up. 

Great news, I thought. The ad read : Earn up to {$300.00} [ 1 ]  when you open a qualifying PNC business checking account by XX/XX/18. Then I read the smaller print. Is your business located in zip code XXXX? If not, tell us the zip code where your business is located and well connect you with the offer available in your area : In the box below, I entered the XXXX and pressed Go to Offer. What message did I receive? Your business is located outside of PNCs servicing area. There are no offers available. '' An invitation for businesses in XXXX generated the same response when XXXX was identified as the location.The explanation in footnote [ 1 ] : Offer only available in select PNC Bank branch locations and only to businesses with an annual revenue less than {$5.00} million. 

" Outside the banks service area. '' What does that mean? What small businesses meet PNC 's criteria better than those in XXXX and XXXX? Both zip codes are in the heart of XXXX XXXX, and are populated with small businesses. Incidently, they are among the most racially and ethnically diverse areas in the city. 

Do households in XXXX and XXXX have sufficient incomes for PNC to accept deposits, but not sufficient not enough to do business with them? Not enough to ease the way for them to apply for federal grants and contracts? If PNC were the only bank in town, where would small businesses in those zip codes get bank accounts? 

Offended, I decided not to seek answers to those questions, but to do business elsewhere. Thank goodness for good and honest and community banking. Where PNC drew a red line, XXXX Bank rolled out the red carpet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
since XX/XX/XXXX I have been trying to resolve an account on my credit report from National credit systems. they claim I owe XXXX XXXX XXXX. {$200.00} no clue what this is even for?? I never received any notice from anyone. I asked for explanation.but was never given a reason. just sent another bill. I want proof of how and why XXXX  is owed anything. I moved from there in XX/XX/XXXX but it shows XX/XX/XXXX. called XXXX but was informed to talk to the collection agency. National Credit has verified this account on all three credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. I sent two letters requesting info and still nothing. I receive tons of phone calls daily with recorded message like a robot saying to call them back personal business matter. I feel this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
During my bankruptcy, I try to modify my loan. Ocwen agreed to do so. I did my trail payments successfully and then signed the agreement letter. During this time suddenly Ocwen refuse to do the modification. on XX/XX/2015 they sent me a letter saying that Bankruptcy court denied approving the modification. Since that time Ocwen did not provide me the letter from Bankruptcy court saying about this denial. I would like to have that letter. Ocwen also did not maintain the interest rate they suppose to charge me. 
I have an email which I sent to Ocwen in some detail, I am going to send to you for your kind information and consideration. Please help me. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXXa XXXX check in the amount of {$140.00} to XXXXXXXX XXXX XXXX was delivered to the business. 
On XX/XX/XXXX, Navy Federal made an ACH debit in the amount of {$140.00} as an online payment to XXXX XXXX XXXX 
On XX/XX/XXXX, XXXXXXXX XXXX XXXX returned the unpaid XXXX check ( {$140.00} ) to me as a refund for a cancelled contract. 
XXXXXXXX XXXX XXXX did not receive an ACH debit nor are they set up to receive online payments. 
I did not authorize a duplicate payment. 
I was advised that paper checks are automatically debited as 'online payments ' on the scheduled delivery dates and not when the checks are presented for payment. 
This makes no sense but the same thing has happened on multiple occasions in the past. 
Thank you for any assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Original letter of dispute sent certified mail to XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX. Creditor failed to notify all three credit bureaus to place a notice of dispute on my account within 30 days of my dispute. XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
On XX/XX/2018, I submitted a complaint with your company regarding MIDWEST RECOVERY SYSTEMS. The company is in VIOLATION because they are still reporting COLLECTION activity on my credit file. ( please see page 1 of evidence ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I deposited a check in my savings account which HSBC claims they send back to drawer the check was never sent back andbI want a copy of the return check company states in last complaint it was enclised which it wasnt i need proof to proceed in legal actions. Please provide me a compy of return check that was processed on my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
3 or 4 yrs ago I signed up for phone service with a company called XXXX XXXX. It was a one time charge of {$110.00} and you would have phone service for life. It never worked. I called several times, sent emails all unanswered. On the bill for my Citi Bank card dated XX/XX/XXXX-XX/XX/XXXX their is a charge for {$110.00} from XXXX XXXX that I did not authorize. In my discussion with a Citi Bank rep I said I wanted to dispute the charge but was told " since I gave them the credit card number I would have to pay it ''. The Citi rep also stated that XXXX XXXX made two attempts at a charge on XX/XX/XXXX, one of which went through, another attempt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As with second attempt on XX/XX/XXXX the attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were denied. So her is the question Citi could not answer. What makes the first charge on XX/XX/XXXX valid and the rest not? Also when Citi obviously recognized these were fraudulent charges why did they not reverse of stop the first charge made on XX/XX/XXXX? Lastly at no time did Citi contact me that fraudulent activity had been detected on my account. I have since closed the account.

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 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
There are two accounts that they say I owe a debt to XXXX XXXX.. I have sent out letters for validation on XX/XX/XXXX, they have not sent out valiadation on the two accounts that they say I owe. On XX/XX/XXXX I received a settlement offer in the mail under XXXX XXXX XXXX XXXX. sataing they are collecting on behalf of XXXX, XXXX. I was informed that XXXX XXXX. is not licensed to collect in Maryland. I have not received any validation on this matter as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lou Harris Company
State: GA

Complaint narrative:
I received a letter in the mail from Lou Harris & Co in the mail dated XX/XX/XXXX with an amount of XXXX.. Lou Harris & Co did not send any signed contract or agreement stating that this was my account. Lou Harris & Co called me on XX/XX/XXXX threatening to damage my credit report, they did not allow me 30 days to validate this debt, and has called me everyday threatening me, I continue to advise the agent that I was not aware of any debt. Furthermore, Lou Harris & Co is practicing UNJUST ENRICHMENT and is violating the Fair Debt Collection Practices Act ( FDCPA ). I will be reporting this agency to the Attorney General & to the XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
To Whom It May Concern : Be advised that this is not a refusal to pay, but notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 



This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 



At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to reflect on my credit reports by your company, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 



I am sure your legal staff would agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I currently have a loan serviced by Navient, which is a variable interest rate loan. Every time I make a large payment to the loan the interest rate increases another .25 %. I made a payment on XX/XX/XXXX for {$290.00}. The loan was at an 11.25 % interest rate. I made a payment on XX/XX/XXXX for {$1300.00}. The loan at that time was at an 11.25 % interest rate and was worth {$21000.00}. On XX/XX/XXXX I made a payment for {$3000.00}. The interest rate at the time was 11.50 % and the loan was worth XXXX. The loan is now at an 11.75 % interest rate ( XX/XX/XXXX ). I am aware variable interest rates change over time, however the interest rate remains stagnant until I make large payments. It is not clear how they are calculating the interest rates on private loans, and they provide vague examples on their webpage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: CA

Complaint narrative:
Experian has published inaccurate information regarding XXXX XXXX XXXX XXXX. 

1. Account Number published is not accurate 2. Account is being Re-aged 3. Account charged off XX/XX/XXXX 4. Account charged off XX/XX/XXXX 5. Date Account opened is In-accurate 6. Date first reported and Date of Status keeps  changing ( Re-aging ) 7. Inconsistent written off amounts on account PLEASE SEE CREDIT REPORTS WITH INCONSISTENT AND INACCURATE INFORMATION, ALSO SEE LETTER OF EVIDENCE FROM WFDS

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 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mitsubishi Motors North America, Inc.
State: GA

Complaint narrative:
Mitsubishi Motors Credit of America Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, XXXX and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, Exquifax and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
toyota rep totally messed up my credit cra violation cost me on a loan and credit cards ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: TX

Complaint narrative:
XXXX rep totally messed up my credit cra violation cost me on a loan and credit cards ftc violation

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 2018-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
I was told I was getting extended warranty, no cost mentioned, to help lower my rate. The finance manager didnt not explain well at all. I was told I can retract the cost by signing a form of cancellation as long as I got it in with 90 days. I did and got confirmation via email. I am now 6-8 month after purchase and still have not got reimbursed for the cost. At this point I should get to keep the extended warranty and get reimbursed the cost rather than being told too bad. The dealer XXXX XXXX of XXXX AZ, offered to take my car back and roll me into a new one instead, but only give me a fraction of trade in value. I bought the Nissan in XX/XX/2017, now only 6 months later they offered me $ XXXX less than whats owed and a more expensive Nissan with barely less miles to make up for the hassel and their mistake. I have never dealt with a company who has treated me the way XXXX XXXX has. In addition, when the dealership found out they made the mistake, they tried to only offer me {$300.00} back on a {$2400.00} cost of extended warranty. The general manager XXXX XXXX, has not personally called me back to address this. He has his sales managers call me to give me a more expenses car. This dealership is very unprofessional and doesnt take ownership of a mistake, even though they have acknowledged they made a mistake. I will never use or recommend this dealership to anyone and will take action.!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Original letter of dispute sent certified mail to XXXX XXXX XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX. XXXX XXXX XXXX failed to notify all three credit bureaus to place a notice of dispute on my account within 30 days of my dispute. XXXX XXXX XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
Got a letter stating i owed a cell bill. I contacted XXXX and notified them i did not own this phone and this was part of ID theft. A short time later I received yet another bill from XXXX. I contacted them yet again to let them know that this was a fraudulent account. They ( XXXX ) told me i would have to obtain a police report which I did. Detective XXXX XXXX from the XXXX TN Police Dept., sent XXXX the copy of the police report. Sometime after that the fraudulent account was handed over to a collection agency in my name and put on my credit report. I have been fighting this going on several years now with no resolution to this matter. 4 years later I am still actively trying to get this removed from my credit report.

Company response to consumer: Closed with non-monetary relief