vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 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: CITIBANK, N.A.
State: KS

Complaint narrative:
We began trying to refinance our home on XX/XX/XXXX. After providing all of the " typical '' documents needed after the initial approval, we moved on through to the closing disclosure process when our lender checked our credit once more before actual closing only to find some issues on our credit reports. We disputed a few accounts, two in particular, one being XXXX XXXX XXXX XXXX XXXX, which was reporting my Chapter XXXX Bankruptcy as though it had happened in XX/XX/XXXX. I filed on XX/XX/XXXX and the discharge was granted on XX/XX/XXXX. As a consumer, the reporting verbiage is quite vague and often does not come across in an adverse way until you try and apply for a loan. ( I realize the accounts included in the bankruptcy are adverse or derogatory for 10 years, however, they should be reporting accurately as to the filing date of XX/XX/XXXX, which is over 3 years ago allowing for us to move forward on an FHA refinance ). However, they are reporting as though the bankruptcy was discharged as recently as XX/XX/XXXX and kicks us right out of being able to close on our loan ... yet again. When we first filed a dispute with all three bureaus regarding the inaccurate reporting, it was supposedly corrected on XX/XX/XXXX and reporting as it should. However, after that initial dispute was resolved, a new one began leading us to the current date. That was resolved on Monday, XX/XX/XXXX so we thought we were good to go to finally pick up where we had left off and proceed with the documentation to get the loan closed. Our lender ran another credit check only to find two of the former accounts we had disputed and were told were resolved were reporting inaccurately yet again. We are now back to square one. Losing out on yet more money each day that passes, our initial interest rate, which was much lower in XX/XX/XXXX than it currently is now and have to wait for this to be resolved yet again in order to try and move forward again.I am providing the initial dispute documentation, the successful fax email I received from my lender for that dispute, my full schedule providing the filing and discharge dates as well as how they are currently reporting incorrectly compared to an account that was also discharged in my bankruptcy and how it reports accurately to illustrate the difference. I am also providing all email correspondence in regards to this previous dispute already initiated and supposedly completed in 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 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect has continuously violated my consumer rights in more ways than one. I have Attached a Letter from the Apartment Complex stated the Debt is not owed. If the debt is not removed from the 3 Credit Bureaus I am filed a Civil Violation with the XXXX XXXX XXXX as well as my State Attorney Generals office for all Violations which entitles me to {$5000.00} per Violation. This is hereby notice to delete the account within the next 30 Days to avoid legal action. 

I will be suing for the following 1 ) Debt Not Owed 2 ) Defamation of Character & Damages to Credit Report 3 ) Procollect is not bonded is licensed to Collect in the State of Texas.

4 ) I do not have any business or contact with Procollect

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 2018-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient and XXXX XXXX have ruined my life, my credit everything. I cant afford XXXX/ month in payments to them. Ive deferred them for as long as I possibly could but all that did was destroy my credit. Now everything major I have to purchase such as a car or applying for a mortgage Im either flat out rejected or need a co-signer. These companies are predators whove ruined countless lives. Ive argued with them countless times, Ive filed complaints with the XXXX XXXX XXXX, and the Attorney Generals office for their harassment. They call at all hours ( XXXX XXXX  and XXXX XXXX EST ) on phone numbers they werent given, and call every day included Sundays. Ive attempted everything I could think of a part of taking out a personal loan to pay them off. I can not refinance my loans becauase I did not graduate because it got too expensive to finish, therefore I do not qualify for refinancing. This system is flawed and wrong and needs to be stopped. They are the cause for a bulk of my XXXX XXXX  issues because of how relentless and XXXX XXXX they are. Ive asked to speak with supervisors and managers and was laughed at and told it wont matter youre still XXXX. Ive asked them how it feels to have XXXX  on their hands because of the crippling debt they cause young people, some of whom I know have actually ended their life because of the amount of debt they are in. They did not care and seemed to think they played no role in the amounting debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Its paid in Full {$92.00} attached is the confirmation number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX  issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD Astra Recovery Services is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have paid over {$1500.00} on this illegal USERY INTEREST rate transaction 500 % which is a violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX had advised me that they would settle this transaction for {$1500.00} XXXX However I receive a letter from a XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX, stating that I owe {$5200.00} on this illegal transaction. # XXXX, ( XXXX. 
I am retired and XXXX years old and I do not owe these people anything. 

Please help me ' Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Account shows late payments for both XX/XX/XXXX and XX/XX/XXXX. This information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AR

Complaint narrative:
First, I never received any correspondence from AFNI , Inc., XXXX XXXX. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX   XXXX.XX/XX/XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). This evidence may be in the form of a sworn statement. Id. at XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.XX/XX/XXXX ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX  XXXX. XX/XX/XXXX). 
The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented. 
See, e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Az.XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I am unable to make any payments outside their business hours. 

Previously I was able to make online payments, but now, their website would not allow to make any online payments as it states in error " no future payments can be made '' I am also unable to make payments over the phone since they are closed after business hours. 

This allowed me to be late on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: MN

Complaint narrative:
On my computer my sibling downloaded a virus without my knowledge and ran the virus. I had my XXXX XXXX and my capital one carded added on the computer and my ID card also on my computer for verification for a job. Without my knowledge the credit cards were used for months on a company called XXXX I did my research on the company and sadly Im not the only one who has had their card stolen and has disputed against XXXX and not win or the bank wants to not remove it due to them loosing money. I never made any purchases with the company XXXX and want my money back. Ive had a account through them forever and never really had a problem with this until now. 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
1.I recently had a fraud alert placed to my account. I was told when I added the fraud alert it would keep companies from running my credit with out my consent and extra verification would be needed to obtain my credit report. That was told to me I pulled my credit report and I immediately called the credit reporting agency I was then told to file a report with FTC and this will be investigated. I was then asked what inquires was I disputing and if I could fax the information. I faxed the information and mailed the information and told again today that they have not received anything even though certified mailed said all my papers were delivered and I also have the fax conformation. 

2. I recently sent in the agreement that was reached by me and certain creditors, I am not taking responsibility for the debt me and the company simply negotiated a agreement in writing that was also sent to the credit bureaus. Still they are stating either they did not receive my paperwork. 

3 A address that is listed on my credit bureau file is the address to a bank. These companies are lying when they say they are investigating because if they were they would have known that.

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 2018-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
We began trying to refinance our home on XX/XX/XXXX. After providing all of the " typical '' documents needed after the initial approval, we moved on through to the closing disclosure process when our lender checked our credit once more before actual closing only to find some issues on our credit reports. We disputed a few accounts, two in particular, one being CAPITAL ONE BANK USA NA, which was reporting my Chapter XXXX Bankruptcy as though it had happened in XX/XX/XXXX. I filed on XX/XX/XXXX and the discharge was granted on XX/XX/XXXX. As a consumer, the reporting verbiage is quite vague and often does not come across in an adverse way until you try and apply for a loan. ( I realize the accounts included in the bankruptcy are adverse or derogatory for 10 years, however, they should be reporting accurately as to the filing date of XX/XX/XXXX, which is over 3 years ago allowing for us to move forward on an FHA refinance ). However, they are reporting as though the bankruptcy was discharged as recently as XX/XX/XXXX and kicks us right out of being able to close on our loan ... yet again. When we first filed a dispute with all three bureaus regarding the inaccurate reporting, it was supposedly corrected on XX/XX/XXXX and reporting as it should. However, after that initial dispute was resolved, a new one began leading us to the current date. That was resolved on Monday, XX/XX/XXXX so we thought we were good to go to finally pick up where we had left off and proceed with the documentation to get the loan closed. Our lender ran another credit check only to find two of the former accounts we had disputed and were told were resolved were reporting inaccurately yet again. We are now back to square one. Losing out on yet more money each day that passes, our initial interest rate, which was much lower in XX/XX/XXXX than it currently is now and have to wait for this to be resolved yet again in order to try and move forward again.I am providing the initial dispute documentation, the successful fax email I received from my lender for that dispute, my full schedule providing the filing and discharge dates as well as how they are currently reporting incorrectly compared to an account that was also discharged in my bankruptcy and how it reports accurately to illustrate the difference. I am also providing all email correspondence in regards to this previous dispute already initiated and supposedly completed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
1.I recently had a fraud alert placed to my account. I was told when I added the fraud alert it would keep companies from running my credit with out my consent and extra verification would be needed to obtain my credit report. That was told to me I pulled my credit report and I immediately called the credit reporting agency I was then told to file a report with FTC and this will be investigated. I was then asked what inquires was I disputing and if I could fax the information. I faxed the information and mailed the information and told again today that they have not received anything even though certified mailed said all my papers were delivered and I also have the fax conformation. 

2. I recently sent in the agreement that was reached by me and certain creditors, I am not taking responsibility for the debt me and the company simply negotiated a agreement in writing that was also sent to the credit bureaus. Still they are stating either they did not receive my paperwork. 

3 A address that is listed on my credit bureau file is the address to a bank. These companies are lying when they say they are investigating because if they were they would have known that.

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 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
1.I recently had a fraud alert placed to my account. I was told when I added the fraud alert it would keep companies from running my credit with out my consent and extra verification would be needed to obtain my credit report. That was told to me I pulled my credit report and I immediately called the credit reporting agency I was then told to file a report with FTC and this will be investigated. I was then asked what inquires was I disputing and if I could fax the information. I faxed the information and mailed the information and told again today that they have not received anything even though certified mailed said all my papers were delivered and I also have the fax conformation. 

2. I recently sent in the agreement that was reached by me and certain creditors, I am not taking responsibility for the debt me and the company simply negotiated a agreement in writing that was also sent to the credit bureaus. Still they are stating either they did not receive my paperwork. 

3 A address that is listed on my credit bureau file is the address to a bank. These companies are lying when they say they are investigating because if they were they would have known that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACS Education Services
State: HI

Complaint narrative:
In XX/XX/XXXX, I initiated a transfer of my ACS college loans to XXXX XXXX under the Public Service Loan Forgiveness program. During that period of time, I initiated forbearence proceedings either ACS to ensure my loan stayed in good status until the transfer. In the period between XX/XX/XXXX and the time that the loan was transferred to XXXX XXXX in XX/XX/XXXX, ACS said my loan was 60 days late. I called them when I found out to get them to remove the ding from my credit, but they refused, stating I was late paying the loan.

Company response to consumer: Closed with explanation