vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 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: Conn's, Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX, I had an account with Conns for a Laptop. I lost my job and fell behind on my debt. I was turned over to collections. I then got a job, a Great job and am now buying a home. In the beginning of the loan process I settled all my debt including Conns. 
I received a letter from creditor saying the debt is satisfied and will be removed from my credit report. Fast forward ... ..less than 2 weeks before my closing date on my home. Credit report is pulled and Conns is still reporting the debt. I called Conns on Friday XX/XX/18 I spoke with Mngr XXXX who assured me it was Conn fault and the would send via email a letter stating the account is satisfied. I did not get the email. I called Sat the XXXX and was told that yes Conns would send an email BUT it could take 72 hrs to receive the email ... .of course I wasn't happy but Conns does not care!!!! Fast forward to XX/XX/18 ... .Still have not received the email. I called Conns again. On the phone 3 different times. They informed me that they will not send an email. They said the letter had to come from XXXX XXXX ... I told them I have that already and I just need the email they promised me. They said no. Conns is prohibiting me from being able to close on my home with the better interst rate. I told them I just want what for XXXX days they said they would provide. This should have been removed from my credit report MONTHS ago. I JUST NEED AN EMAIL stating it is satisfied that's all ... .It has to come from Conns .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: MA

Complaint narrative:
Our mortgage company, New American Funding has been inaccurately reporting our mortgage payments late to the credit bureaus. We had our credit pulled in XX/XX/2018 and it showed that New American Funding reported us 30 days late inaccurately for 2 months. On XX/XX/2018 I spoke with 2 supervisors, XXXX and XXXX and was told that they do not pick up the payment XXXX XXXX XXXX, so this might be the problem. I told them that this should not affect me negatively because they neglect to pick up their mail. I have kept USPS tracking receipts showing the payments were received on time. On three different occasions they claimed they had not received our payment until five days later. After receiving no assistance from XXXX or XXXX XXXX asked to speak to the Manager. They told me a manager named XXXX XXXX would call me. XXXX XXXX did not call me so I reported it to the XXXX, she then contacted me XX/XX/2018. XXXX retracted everything I was told by XXXX and XXXX about not picking up the payment XXXX XXXX XXXX. She told me there was nothing she could do but email me a credit dispute form. I filled out the form and sent it to the credit dispute department. I called New American Funding on XX/XX/2018 and spoke to XXXX who told me the dispute was denied. This denial is unfair and need to be review by higher authority. This incident has ruined our credit and it needs to be rectified! I demand that these late payments be taken off of all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I spoke to XXXX XXXX XXXX for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at XXXX received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: NJ

Complaint narrative:
please remove XXXX I never was late on anything please remove account from my report account XXXX mortgage

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 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
The vehicle was purchased with an extended warranty that should have covered the drive train. I reported an issue the the transmission and they said the issue was out of the scope of the warranty. This problem later led to mechanical failure of the vehicle. I informed them that I was not going to continue to pay for the vehicle but it was useless unless they would warranty the damage, they refused therefore I surendered the car back to them and it has since affected my credit negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have paid the debt owed and I was told the account will be removed from my credit credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
Response on XX/XX/18 CNU ( Cash NET USA ) Stop creating lies that you confused me with another XXXX XXXX and the XXXX. I don't want no loan or on line loans from you or your scams to defraud people with your high interest rates. I have not applied nor gave you permission to. I'm on OPT- OUT with all 3 Credit Bureaus or any other companies running other names or business link to any of the credit bureaus. I'm not getting a police report due to the fact of Cash Net USA fraud and deceit. I have filed with the US Attorney Office for complaints on Cash NET USA. Stop harassing me on your loans/ on line loans for something I have not applied for nor giving you permission. I don't want to call you crooks for nothing nor do I want to here from you or your tricks. Keep what ever XXXX your offering and leave me alone. Stop with the scams how you obtain my information. My next step will be to file a law suit on Cash Net USA and any other party within the scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have spoken with three representatives at chase bank about my concerns and all of them are on a different page. There is no exact answer as to why my account is negative and I disagree with being charged twice no representation being shown for It.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, please i have two hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 not yet XXXX/XXXX Inquiry from XX/XX/2018 has Removed this two inquiry i Contacted XXXX Credit Dispute and i received letter from them in process to remove and TransUnion removed only one so i made this complaint to remove another one Thanks

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 2018-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Have been faxing for a year to get loan modification! XXXX XXXX on loan only, grant deeded and power of attorney to XXXX XXXX, ( proof have been sent ) Bayview said ad XXXX XXXX on paperwork see inclosed! Have XXXX and XXXX on seperate paperwork can afford modification paperwork if XXXX can have someone look at paperwork, sending proof again!!!!!!!! Not sure why modification paperwork can not be reviewed! Have proof of faxes and papework for a year! And XXXX my cousin has been helping me they never call him XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/18 and a couple times before I received a call at my work number for my Bank of America Secured Mastercard. I advised they are to call the cell phone on my account. Then on XX/XX/18 they called again and after verifying the account I told the agent that I never gave authorization or that I never stated my work number as my primary phone contact number. The agent advised needed to make a payment on my credit card I advised to call back on the next day as I'd have funds available to make the payment. He said he would he also said that he would update the numbers on my account. I work generally between XXXX so calling my work number wouldn't be a good contact. Also I applied for the secured card inside the Bank of America app which I had for my regular banking and savings and on those accounts they have my cell phone XXXX as the regular contact. I had missed a couple payments and I didn't know the account was in jeopardy of closing. When the man called on XX/XX/18 he didn't even advise the account had closed on XX/XX/18. I had missed a couple statements. The bank advised their primary contact is the mail. But it was also on them to have the right phone number. I get calls from the regular banking side on my cell of XXXX regularly but I never did for the secured card but they were created in the same BOA app. If they had been using the correct phone number I could've been made aware and made a payment to keep the account open. Summer months are often tougher bill wise so I had fallen behind. But BOA being a major bank and all I would've if called on the right number did something to get that payment in. I personally think they should reopen the account and let me continue and it's then on me to get that {$130.00} caught up on the account. If not then they should at least remove it from my credit report and send me my collateral of {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
Just discovered via XXXX XXXX that you have put a collection on my credit report for {$2000.00} on XXXX XXXX. 
I have not used XXXX for any phone, cable or Internet connections. I have been with XXXX XXXX  for years and its all in my husbands name. 
Ive contacted the Collection Agencys and the Creditor directly XXXX XXXX which got me absolutely nowhere the collection company stated they have only Notes and couldnt provide me with sign documents on any of the information and or reason for the collection to be placed on my credit report I asked why they dont have documents and if they are able to contact cox to get them and email me them so I could have them to proceed further in this erroneous collection that has significantly dropped my credit score I am completely confused and mad at the creditor/collection agency who has not been able to provide probable support in order to place this on someones credit and ruin their score without contacting me prior or helping me with proper documents supporting the amount they have placed upon my credit reports. 
Im asking Please remove this collection from my credit report - it is not my debt ... not mine!!! Ive disputed it also with XXXX/XXXX  and XXXX also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX  as a result of not being my debt. The account balance of the debt is {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
American Honda Finance is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from Honda. Not only was it upsetting to see that Honda was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted Honda to inform of the reported late payments and was advised that no payments were reported late. 



I requested a payment history review and was advised that two of my payments dated XX/XX/XXXX and XX/XX/XXXX were paid towards late fee 's and not the payment due. Honda has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in  question along with a copy of the current credit reporting from Honda.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: PA

Complaint narrative:
I HAVE CONTACTED XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries i had contacted XXXX Creditor how has Run my Credit with Unauthorized and after contacted and sent proof from creditor, no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Bloomingdales offered an interest free 12 month special event account, in addition to the normal revolving ( or regular account ) that I initially opened. I made a special event purchase in XXXX of this year, with the intent of paying it down over the course of the next 10 months. It is my practice to pay my entire balance every month on the regular account to avoid interest charges. I have had to call the customer service line to correctly allocate my payments every month since XXXX. It has never been done correctly. Each time they try to correct their error it got worse. 
I stopped shopping at Bloomingdale 's in XXXX, so that I have only the special event account ( interest free ) with a remaining balance, and yet every single month I get a statement showing an open balance on my regular account, and an interest charge. 
I have spoken to numerous credit manager at Bloomingdales. Each has been embarrassed by the mismanagement of my account. Each time, the interest is reversed.

I want to report Bloomingdale 's for their fraudulent practice of charging interest on a special account set up to be interest free.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
i ordered several items from XXXX, of XXXX, pa. most of the items were received, plus they charged me for shipping which was supposed to be free. on XX/XX/18, i paid {$23.00} for the two sweat shirts, leaving a balance of {$27.00} the balance of {$8.00} was paid in full. this is when i discovered that shipping charges were made, and the late charges started. i have a {$120.00} balance and they willl keep it up unless something is done to stop them. the bank involved is the XXXX XXXX. i really hope something is done because now we are in the area of harassment, thank you for your time and co- operation sincerely yours, XXXX XXXX XXXX . thanks again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : I have enclosed proof from my XXXX XXXX of it being over 7 years reporting on my credit Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX 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 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NJ

Complaint narrative:
Volkswagen Credit ( also known as VW Credit and XXXX XXXX , XXXX ) advertises that they have no pre-payment penalties for early payment of principal on car loans they provide. What they do not advertise is that there is no way to self-service this pre-payment ( via an online portal or webpage ) ; in fact the ONLY way to apply a pre-payment to principal at VW Credit is by calling in to their 800 number and even then, only by speaking to a live representative. This number routinely takes over 20 minutes to reach a live representative. VW Credit has proven their disregard for American laws and regulations, and now they are materially impacting the ability to pre-pay their loans by enacting systematic and process-driven blockers in an effort to drive more interest revenue ( NOTE : prior to XX/XX/XXXX overpayments were automatically applied to principal ). 


Product/Service : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Purchase Price : XXXX Payment : Partial payment made Cash Disputed Amount : XXXX Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX   Salesperson : XXXX I also attempted to create a XXXX complaint and received this response : Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/XXXX against XXXX XXXX , XXXX Your complaint was assigned ID XXXX. 

We regret to inform you that the XXXX XXXX XXXX can not process your complaint. The case has been reviewed by one of our Complaint Specialists and was found to contain issues that are out of XXXX XXXX purview. 

XXXX is a private non-profit service organization that has no legal authority over companies. We do not regulate the laws for Illinois State. You may want to contact Consumer Protection,  www.consumerfinance.gov. 

Sincerely, Your XXXX Customer Relations Advocate XXXX  Serving XXXX and XXXX Illinois P : XXXX E : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: TX

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : I have enclosed proof from my XXXX XXXX of it being over 7 years reporting on my credit Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation