vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am paying my {$25.00} Capital One credit card bill today XX/XX/2020 by checking account by phone, but was told that my checking account number is invalid. 
I called my banking institution to verify my routing and account number ; bank officer verified both are valid. 
I tried again to pay my bill via phone, but was given the same answer by the automated system that my account is invalid. 
I will be charged an exorbitant late charge fee after today, XX/XX/2020, if the payment is not accepted by the company today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Immediate Credit Recovery
State: TN

Complaint narrative:
I received ppwk today from my payroll department who sat on my notification since XX/XX/2020 for Wage Garnishment started XX/XX/2020 for {$100.00} per pay period. 

This account is being collected by Immediate Credit Recovery , Inc. and this company has now almost tripled the amount that I am required to pay back. 

The loan was originally for right around {$11000.00}, but the 3rd party collection agency is now charging me {$36000.00}. I will repay the loan through wage garnishment, however, the interest I what I have an issue with and will not pay the interest. The original creditor is U.S. Department of Education XXXX. 

I do NOT want to deal with Immediate Credit Recovery , Inc., because they are too much of a hassle and want entirely too much information which is difficult for me to obtain and takes too much time to deal with as they call, constantly. 

I also never received anything in writing from them, before this notification, over the last year. I want someone from the Department of Education to deal with the collection agency and tell them that no interest will be paid to the agency, above what the actual amount of the loan, is. Immediate Credit Recovery , Inc.,  are RipOFFS! No ONE should have to pay that Much interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CONTACT INFO DEPT OF ED / XXXX {$20000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
ON XX/XX/2020, A LETTER FOR VALIDATION OF DEBT WAS SENT TO CREDIT BUREAU SYSTEMS , INC . ASKING FOR A BREAKDOWN OF FEES INCLUDING ANY COLLECTIONS COSTS AND MEDICAL CHARGES ON 14 DIFFERENT SUPPOSED MEDICAL DEBT ACCOUNTS, A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THEM, AND TO CEASE ANY CREDIT BUREAU REPORTING UNTIL THE DEBT WAS VALIDATED BY ME. AS OF THIS DATE XX/XX/2020, I WAS PROVIDED BY CREDIT BUREAU SYSTEMS , INC. AN ITEMIZED STATEMENT THAT INCLUDED ALL PROCEDURES WHICH WERE PERFORMED, INCLUDING SPECIFIC LABS WHICH IS A VIOLATION OF THE HIPAA ACT. I WAS NOT PROVIDED WITH A STATEMENT FROM THE ORIGINAL CREDITOR THAT WOULD ALLOW RELEASE OF MY MEDICAL INFORMATION TO CREDIT BUREAU SYSTEMS , INC . NOR WAS REPORTING CEASED TO ALL 3 CREDIT BUREAUS. XXXX XXXX IS THE ORIGINAL CREDITOR AND I HAVE NEVER RECEIVED A BILL FROM THIS FACILITY AND I HAVE ALWAYS HAD INSURANCE TO COVER MYSELF AND MY DEPENDENTS TO COVER ALL COSTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.

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 2020-02-20 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Today, XX/XX/XXXX at XXXX, I called Navy Federal Credit Union at XXXX & spoke with XXXX   to open a credit card charge dispute on my account for the following amount, {$8000.00} on XX/XX/XXXX. I spoke with XXXX and explained the fraud from XXXX XXXX DBA XXXX XXXX XXXX that took place on XX/XX/XXXX. Now, XXXX stated that she will open a credit card dispute but they generally except disputes within 60 days of the transaction date. Now, XXXX XXXX failed to disclose accurately about there company. XXXX XXXX told us verbally that members can get vacation packages trip 2 years in advance over any other resorts & that there membership is cheaper than XXXX XXXX. XXXX XXXX  notified us about yearly membership fees along with amount but failed to inform us verbally that they go up every year. The resort promised 2 free trips for attending, that we must use within 1 year which we later found out we cant use because the resort sell out 2 years in advance for Hawaii trips. These resorts mislead consumers like my spouse and I to join their resort. If we had known the truth, we would have NEVER became members. Now, we discovered the truth when we contacted XXXX XXXX on XX/XX/XXXX at XXXX, when we requested a trip to Hawaii for XX/XX/XXXX, for 10 people and were told that they sell out for there Hawaii trips 2 years in advance which means that these resort companies failed to disclose this information prior to signing the contract. Now, we never knew there was fraud until XX/XX/XXXX. We were not able to dispute this transaction until now because we contacted XXXX XXXX to resolve this issue but they failed to do anything about this matter. Then we filed complaints against the resorts with the XXXX along with the State of Nevada. As of today, we have not heard anything from the XXXX  or the State of Nevada! Again, XXXX said we generally have 60 days from the time of the transaction to file a dispute. In most cases, people know about the fraud with in that time. Since we didn't know about the fraud until XX/XX/XXXX, our 60 days should start at this time which means we should have until XX/XX/XXXX to file this card dispute which we want to do! We should be allowed to have all of our funds be returned to us in full since these resorts failed to disclose everything to everyone prior to signing the contract which does violate state law ( s ) NRS 119A.710 deceptive or unfair acts, NRS 119A.410 misrepresentation, and possibly NRS 205.330 for fraud. We request to be allowed to file the dispute for these charges and get all of our funds returned immediately due to the fraud that these resorts created.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
I pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX XXXX {$350.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: UT

Complaint narrative:
XXXX XXXX # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.

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 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I complain about Equifax charging me 3 times. I had to cancel my card because they said didn't but the credit company said otherwise. Now they have dropped my score almost 100 points different from the other 2 credit bureaus. I have very good credit. I have tried to sign on/create a new account and it will not let me. Was denied an XXXX XXXX card with XXXX. I already have a XXXX account in great standing. Equifax told them I had defaulted on a previous XXXX  card which is wrong. If you try to call them, they put you on hold, let you sit there for the agents don't know what to do. You have no defence with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I have sent the letter below to Carrington mortgage explaining the situation, after learning that they had reported a 30-day late payment on my credit report. This was not the case, I tried explaining the situation to their credit department and they only repeated the letter I sent them and stated that no matter what the payment was late. This is not at all a satisfactory answer and it just seems that Carrington mortgage is not making an effort to make the situation right.

This letter is to explain the circumstances regarding the 30-day late payment that was reported on my credit report. I called Carrington Mortgage Services on XX/XX/2019, to find out how to pay online. 
This was after I had tried paying my mortgage multiple times on the Carrington online portal. The system kept giving me an error which mentioned the routing number I was providing was not valid. After I had been on hold for several minutes, a Carrington representative came on the line. I had to explain my problem to him and even tried to perform the same process while on the phone, I was also unsuccessful. He then asked me for my banking information so he can make the payment on my behalf. After giving him all my information, we were both under the impression that the payment was successfully made. 
On XX/XX/2019. I received a letter from Carrington advising me that the payment which Carrington customer service representative made, was returned due to payment account not found. That same moment I logged in on my phone and resubmitted the payment and unbeknownst to me the system used the same bank information that was captured when the Carrington representative made the first payment. This payment also was returned due to the payment account not found. 
On XX/XX/2019. I received a call from a Carrington collections representative asking to pay my mortgage payment for XXXX and XXXX. This is when she advised me that the second attempt for payment on XX/XX/2019 was not successful. I explained the situation, she agreed to refund the late fee penalty and advised me on writing this letter to explain my situation. I also asked her if the calls were recorded and she confirmed that Carrington in fact does record calls. These calls can always be used to collaborate with my explanation. 
In conclusion, I believe that this was a mistake when entering the bank information. I respectfully ask that this matter is resolved by removing this late payment off my credit report with all three bureaus. I have never had a mortgage late payment on my credit report or with Carrington for that matter. This truly impacts my consumer credit report and other financial aspects of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Magnum Association Services
State: GA

Complaint narrative:
I would like to report Magnum Association services XXXX. I have tried several times to contact them about a lien that they have placed on my property. The amount has been paid in full years back and my account is current. The lien has never been removed and it has caused great damage to my property status, The HOA, ( XXXX XXXX ) has directed me to this law firm to correct the problem and no-one has taken any  action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On the XX/XX/XXXX & XX/XX/2019 I used my debit card in a ATM machine in XXXX and did not receive the money at all times. There was sixteen transactions in total that Bank of America withdrew from my account totaling {$1900.00} including fees. After may return home I applied for a claim from Bank of America in dispute of the charges made on my debit card. Bank of America sent me the receipts of the transactions in XXXX and the information on the receipts are in total disagreement. On the particular days in question there were no money dispersed, However, Bank of America returned only three transactions and on the receipts there are three more transactions that went through. This leaves ten transactions that Bank of America withdrew money out of my account but the receipts indicate that I did not make a withdrawal. Bank of America has closed my claim without investigating the remaining outstanding ten transactions.

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 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}

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 2020-02-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX XXXX {$350.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}

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 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX {$570.00} XX/XX/2017 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$860.00} XXXX  XXXX {$57.00} XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: IN

Complaint narrative:
XXXX  XXXX XXXX was reporting a balance of {$270.00} of {$300.00} limit causing a credit rating decline. I paid this account off in full XX/XX/2020 as shown by XXXX XXXX. Transunion still to this day shows a balance of {$270.00} of {$300.00} that is dropping my rating every month several points. XXXX XXXX claims to be reporting it as XXXX balance, but Transunion still will not correct it claiming {$270.00} of {$300.00} is a correct balance when I disputed it 3 times dating XX/XX/2020, XX/XX/2020, and XX/XX/2020. I want this corrected ASAP.

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 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit 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 explanation