vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX/XXXX  created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.

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 2018-08-30 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: CASHCALL, INC.
State: CA

Complaint narrative:
From prior case : XXXX : I took a installment loan out from Cash Call in XX/XX/XXXX for {$9900.00}. I made payments totaling {$12000.00}, I fell behind due to sickness and XXXX and tried to work out a plan to which they declined. I could not make the settlement about they requested which was {$20000.00}. The loan was then charged off in XX/XX/XXXX and they requested {$30.00} to close it out. I could not get any to help me with this so I just left it alone and let it sit on my credit report and decided to wait till it falls off. Fast forward to XX/XX/XXXX and I again tried to reach out to the company but they only re aged my account to show a current charge off as of this month leaving me with a credit score that dropped over 70 points and now I have to start all over again to have this account fall off my report. This is clearly in violation of the Fair Credit Reporting Act.

623 ( 5 ) ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after the furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action They have also added wrong amounts, balances and dates to my credit reports that are again in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.

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 2018-08-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2018, I purchased cabinets, 2 slabs of granite, and services from XXXX XXXX XXXX. I used my American Express and Citibank Mastercard to pay the {$7000.00} in 2 payments of {$3500.00} each. XXXX XXXX XXXX has failed to provide ALL of the granite and services that were paid for. Therefore, I filed a dispute with Citibank Mastercard on XX/XX/18. I have produced voluminous amounts of documents including text messages, contracts, letters of explanations, photos, etc. regarding this dispute. I have had to submit documents to Citibank on 4 different occasions to prove my claim for not receiving the goods and services I paid for. Today I received a letter from Citibank stating that the merchant will not honor Citibank 's request for the credit based on the information I have provided. I am not sure what more I can possibly do. I was under the impression by the Fair Credit Billing Act that as a consumer, I am protected with making purchases with your credit card. This man collected the full amount of goods and services upfront and has not provided what I paid for. I paid for 2 slabs of granite, which consisted of counter tops for my kitchen and master bathroom, and I still have no counter top, sinks, or back splashes and it has been since XX/XX/XXXX. Where is my protection as a consumer in this matter? Please help!

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 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX sent me a letter on XX/XX/XXXX informing me they contacted trans union and the inquiry on XX/XX/XXXX would be removed within 6-8 weeks. It has been 11 weeks and the inquiry is still on the report.

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 2018-08-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: IN

Complaint narrative:
XX/XX/XXXX I found fraudulent charges on my XXXX XXXX when I checked my balance on line. I called XXXX  to dispute the charges. They mailed me paperwork to fill out.

XX/XX/XXXX I received a provisional credit.

XX/XX/XXXX The provisional credit was taken away. When I called they stated that they were still investigating and when the investigation was over they would credit me again if they found the charges to be fraud.

XX/XX/XXXX I received a letter from XXXX stating that their investigation was over and they had determined that the charges were in fact fraud and my provisional credit would now be a permanent credit. I was never given the credit back.

I have called them at least 20 times since then, and have been documenting the dates and who I have spoken to since XX/XX/XXXX. Everytime I call they tell me that they are working on my case, they put in another " ticket '' and there is no time frame for resolution. The amount is {$92.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We renewed a CD at Wells Fargo in XX/XX/XXXX with a new maturity date of XX/XX/XXXX. In the fall of XX/XX/XXXX, we began receiving solicitations from property recovery firms for " lost property '' and the approximate total. We were able to figure out the closest asset we had to that amount was this CD. Upon checking the State of Texas website - we found out that Wells Fargo had turned the CD funds over to the state as " unclaimed property ''! Although Wells Fargo later sent a letter they say was sent to us in XX/XX/XXXX - it was never received. It refers to an " inactive '' account, and the information document supplied by them to the State refers to the CD as a " Matured Certificate of Deposit '', which was also not true. We forfeited a percentage of the total to the State to have the money returned, and we lost the interest that should have been accruing up until the maturity date of 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 explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Asset Management Systems Inc
State: IL

Complaint narrative:
Financial Assets Management repeatedly violated my consumer rights by doing the following : I let them know the best time they can call me, NOT between XXXX-XXXX, which means they are legally prohibited from calling me at that time and they continue to do so.

They continue to harass and be abusive over the phone which is against the The Fair Debt Collection Practices Act. They have called at the times they are legally prohibited from calling during three consecutive days in a row, multiple times during those days and have acknowledge that the notes reflect that I have told them that they can not call during those times.

They use unfair and threatening practices such as stating that my employment has scofflaws and because of that I have a moral obligation to pay the debt. However, that policy does not pertain to private student loans. When I explained that to them the response was that they did not care and their only job was to obtain payment and they are not in customer service and they can and will speak that way to me if they want to.

They have also made misleading and false statements that were threatening in nature.

They find humor in getting the individual upset, they speak over them and when you are trying to explain to them that you want to work something out but can't at discuss it at this time ( again, they are calling at times they are legally prohibited from ) they ask inappropriate, condescending rude questions.

Furthermore, when I asked the to cease contacting me the response was, basically, " too bad, we will continue to contact you and obtain payment by any means necessary. ''

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 2018-08-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of america edd. Card was stolden and charged up with out my authorizing. There were XXXX   of charges that i did not do. I call bank of america and reported my card as lost of stolen. They send me a new cars and said they would put money back on my card in ten days. I then recievedba letter in the mail saying that my claim was denied and they dont. Feel my claim was denied.

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 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
XXXX XXXX had home loans for years 10.5 % interest sold loan to XXXX XXXX 10.5 % fixed rate. again loan sold to Rushmore loan services 10.5 % fixed made about 6months payment at this rate. Now raised my rate to11.00280 %. Called Rushmore 8/29/18 as soon as I got this rate and new bill increase. Women could not tell me why, asked for supervisor no!!! Got nothing but run around. I know this is not legal. Called XXXX on same date ask what rate they sold loan 10.5 % they are sending more documents ' to the fact they sold this loan to Rushmore at rate of 10,5 % and should not be raised as it is a fixed rate. The women at Rushmore just as much told me they can do what they want. My opinion this is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: VA

Complaint narrative:
I have reached out to this company and sent validation letter regarding account # XXXX in the amount of {$490.00}. This amount is incorrect and should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
After 3 days of payment do. This company charge my account plus the payment that is due. No 30 day grace period. Call harassing late at night.

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 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
central state recovery is trying to collect a medical debt that is not mine-i have filed a the fraud affidavit with the FTC and sent them the paperwork but they still keep reporting it to my equifax report. I call the collection company and they state that they are not removing the account off my credit report. They are stating that they have the right to collect the debt, because it has my name on it. XXXX  and XXXX XXXX have removed the account off my credit, but that was because they forced Central state recovery to be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out to you in regards to a bankruptcy that was placed on my account by Equifax. I disputed it to Equifax in XX/XX/2018 for information regarding it asking them to provide me with a ) the name of the courthouse ; ( b ) the persons name you verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. In XX/XX/2018, they only provided me with the company 's name, address, and email stating that the information was accurate. The company they stated in which the information was collected from was a company in which I have a freeze on my account since XX/XX/2018 due to the credit breach in which my account was affected. Since, they are refusing to remove the bankruptcy from my records, I am reaching out to you for further assistance. In addition, I reached out to the United States Bankruptcy Court of Illinois and received a letter from them stating that they do not perform any activities with the credit bureaus. I have submitted that letter to Equifax as well as the letter I received from the third party company the mentioned as the source used to gather this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid off both of my capital one credit cards 6 months ago. 
I was charged a membership fee that I was unaware of for both of my cards in the amount of {$19.00}. 
Since I do not use these cards anymore, but left them open to build my credit, I had no idea that they were delinquent and now past due. 
Capital one didn't reach out to let me know this until 2 billing cycles had past and it was now reported on my credit as a 30 day past due which brought my score down significantly. 
I immediately called capital one and settled my accounts and they are all paid, they even removed the late payment, but the damage to my credit score is already done. 
I worked really hard to rebuild my credit and have not had a late payment in years and years. 
I feel it is unfair that my score was damanaged due to something I didn't even know was happening until it was too late. Can this please be removed from my credit?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: FL

Complaint narrative:
My credit report only shows my XXXX ( old ) driver license as cancelled. I am now a resident of XXXX and have a XXXX drivers license. I believe this is the reason why my XXXX drivers license shows up as cancelled. My issue is that the company I work for ran a background check on XX/XX/XXXX ( checkr ) and do to the fact that ( XXXX ) my jobs primary responsibility is driving they have fired me on XX/XX/XXXX I contacted the credit report company ( checkr ) and submitted my XXXX  drivers license but I havent hear from them. I also contacted the company I worked for ( XXXX ) and explained the issue along with my XXXX Drivers license. I checked DMV records and everything seems to be in order. The background check company just havent update their records and I dont know what else to do. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have tried to get Chase/XXXX  XXXX Card Services to remove an old account that that has surpassed the 7 year reporting period for negative/delinquent account, yet it is still being reported because of incorrect information being reported by Chase/XXXX XXXX. 

I have Chase and well as contacted the Credit Reporting Agencies, but the no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2018 at XXXX PST I received a call from Citibank calling regarding a XXXX  More Commercial account. The representative informed me this was an attempt to collect a debt and the call may be recorded. She asked me a series of questions which I provided answers. It was presumed that these were not the answers she was expecting and that's when the representative ( she ) became abusive until I had to disconnect the call. 

She said, I am required to ask you these questions and my response to her was, I answered your questions and right now this is causing me extreme anxiety. I am currently considered a XXXX person. Then she says, YEAH YOU ANSWERED THEM INDIRECTLY!!! I NEED DIRECT ANSWERS!!! This was all said in a demanding tone and she went on to threaten me with closing the account and a list of other things, I had to disconnect the call.

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This debt has been reported as paid by the original lender 12 years prior. XXXX XXXX has refused to remove it from my credit profile with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
XXXX XXXX , XXXX. continues to attempt to collect on a debt that was identity theft. I was a victim of aggravated Identity theft and the bank as well as XXXX XXXX XXXX XXXX both know this. It has been reported to the Federal Trade Commission and the local police department. This account is for {$18000.00} and it is not valid as I hold zero fraud liability and they need to respect that. Respect the FCRA and both state and federal law regarding citizens who have been victims of Identity Theft.

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
As of XX/XX/2018. I received a collection account on my credit report from a collections agency called Diversified Consultants Inc. the  original creditor is XXXX and the balance is for {$4800.00}. It stated that this account is from XX/XX/2018. Ive never done business with XXXX or had any cellular service with them. Ive disputed this with XXXX and XXXX when this account was with another agency and it was deleted from my credit report. Ive even asked for validity of debt when it was with he former agency and received nothing. I simply want these agencies who are reporting this fraudulent account to my credit to stop collection attempts once and for all. Its causing issues with my near perfect credit history and just a big headache overall

Company response to consumer: Closed with non-monetary relief