vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: CA

Complaint narrative:
I mailed a certified letter on XX/XX/XXXX to Avante XXXX asking for debt validation and the company mailed me a letter back on XX/XX/XXXX stating that they were unable to locate the account. Even though the debt is on my credit report If the company cant provide me with accurate information I requested or cant locate a account with the information I provided the debt should be deleted from all reporting credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
It was reported on my credit on XX/XX/XXXX that I owe money to XXXX. I have never received anything from XXXX XXXX ( the collection company ) or spring on this saying I owe money. I havent even been with XXXX for 6 months. I can not find any contact information to dispute this with convergent as I am unable to find a number or even website. I do not believe this debt is mine. And XXXX had and has always had my updated information.

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 2018-05-17 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: GA

Complaint narrative:
Derogatories disputed and verified as accurate on XXXX XXXX XXXX XXXX XXXX {$1400.00} which was sold to XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX {$940.00} XXXX XXXXXXXX XXXX   XXXX Equifax : XXXX XXXX   XXXX $?.?? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: LJ Ross Associates
State: PA

Complaint narrative:
I moved out of my home on XX/XX/2015. At that time I spoke with a customer care agent at XXXX XXXX so shut off my electric service. to this day the account shows " open '' and I have a balance of XXXX which is incorrect. I have tried multiple times to dispute this. If XXXX would pull their calls from XX/XX/2015 they will here myself and the customer service rep confirm that service should be shut off at my address. The last address they should have it in XXXX PA XXXX I do not recall the street or house number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXXXXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove the following fraudulent inquires from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a Bank of America customer since XX/XX/1988 before they bought out XXXX XXXX. Yesterday I received a check for proceeds from a land sale in XXXX County XXXX. The check was from a licensed XXXX escrow company in the amount of {$5800.00}. I deposited the check to my savings account via their mobile banking system on my phone. I received a notification that there would be a 10 day hold on this check. I have a problem with this because, according to the Federal Reserve, funds are verified within1 to 2 business day. The bank has access to my money long before I do. I spoke to two representatives at the XXXX Contact Center who said, 'sorry, nothing we can do. '. This was not some fly-by-night transaction involving a personal check. I take exception to B of A holding my money while they 'verify the funds. '. They also declined to give me their Headquarters location or a phone number, which I did find myself and have emailed the CEO of B of A. Once upon a time, check holds were quite common due to inefficient methods of verification but that changed quite some time ago and funds are cleared through one major clearing house. I find this totally unreasonable and unfair.

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 2018-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I have a Home Depot Consumer Credit card. I had a promotional balance with terms of 12 months no interest if paid in 12 months. The original transaction amount was {$450.00}. I did not payoff the purchase in the 12 months and the promotion expired. I received my statement the next month and it shows the interest charge calculation. Home Depot calculated the interest for this purchase on a {$500.00} instead of {$450.00}. I called Home Depot customer service on XX/XX/18 for explanation as to why my interest was not calculated daily off of the actual transaction amount and how was this increased difference calculated for my original transaction amount. After 30 minutes and holding while the contact spoke to her supervisor I was told that's just how we do it because of averages. I could tell the contact was unable to explain their calculations. I have no issues in understanding my deferred interest was accruing within that 12 month period. I do have an issue that the interest was accruing off a dollar amount higher than what I paid at the store.

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 2018-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I went to Kohl 's in XXXX Montana on XX/XX/XXXX. I selected 7 mens shirts for purchase. When I reached the register I was asked to open a Kohl 's charge card and I declined multiple times. The cashier then stated she would give me a 25 % discount on my purchase if I applied. I asked what if I am not approved? Her reply was she would still give me 25 % discount. She advised me my total was {$330.00}. I discussed with her that 25 % would be a large savings on such a large amount and I felt it was worth applying to receive 25 % off my large purchase. After applying, I was not approved and the woman told me I saved {$12.00} by applying. I told her no.. you stated 25 % discount on my entire purchase. She then stated some brand-name shirts I was purchasing were excluded. I told her, wait that is not what you told me to get me to apply for your store card. She then refered to corporate policy was the problem and it was not her fault. I asked for the manager and I started to both the cashier and assistant manager that I was promised a 25 % discount on my purchase regardless of the approval for the card. I also stated that the exclusions were not disclosed to me.. in fact the cashier was very misleading, persistent and insistent I apply to receive such a large discount savings. The assistant manager was very dismissive of my complaint. I asked to speak to the store director and was told she was in but unavailable. I was told the store directors name was XXXX and provided a phone number I was told was her direct line and even if she didn't answer I could leave a voicemail. I left the store after completing my purchase. I then attempted to call the number I was given and it was the stores general number. There was no access to XXXX or any voicemail. I proceeded to contact Kohl 's XXXX number without ever being able to speak to someone about my complaint. I then proceeded to email Kohl 's cares store feedback on XX/XX/XXXX and received an automatic reply with a case # XXXX. This email said they will contact me in 48hrs but occasionally it may take a little longer. I emailed again on XX/XX/XXXX without any reply as of XX/XX/XXXX. Disclosure is a very important part of doing business and Kohl 's was deceptive, did not disclose any terms and simply dismissed my concern. It was quite disappointing and upsetting to experience. Also being highly embarrassed by having the Kohl 's employees discuss my credit denial publicly in front of the employees and customers during this incident was totally unprofessional as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, I was scammed {$200.00} on XX/XX/2018. I sent the recipient {$200.00} from my Bank of America account to his XXXX XXXX account using the XXXX payment. 

I filed a fraud report though bank of america and they said they have contacted XXXX XXXX and that XXXX XXXX has rejected my claim account. 

The XXXX transfer confirmation number is # XXXX to XXXX XXXX The recipient called me from ( XXXX ) XXXX, he has blocked my phone number when I tried to call him back. 

The recipient also emailed me from XXXX Any help you could provide to get my money back would be greatly appreciated.

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 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Our lease was up with XXXX XXXX and we were finishing the final stages. According to the reports XXXX XXXX sent me personally : on XX/XX/XXXX we paid a payment of XXXX which XXXX told us was left owed as a deficit. That shows on the statement as bringing it to XXXX balance. On XX/XX/XXXX the bike was returned and it shows XXXX balance. It does not show a balance again until XX/XX/XXXX. Thats when I was sent a letter regarding an amount of XXXX and given till XXXX to review and call in and it has no actual due date. It also states on the letter that it had already been reported to our credit bureaus. On XX/XX/XXXX the bike was sold for more than assumed and it cancelled some of that balance leaving XXXX. And this is the first date this amount was shown. On XX/XX/XXXX my credit was reported 30 days past due with a past due balance of XXXX ( not even a balance on the statement ) which is only 10 days from the day the charges were added. It dropped my credit score 114 points XXXX says our account remained open and thats why it was reported past due, there was no balance to pay or report until XX/XX/XXXX and reported it over 30 days late 10 days later. Customer Service continues to tell me they will show the account paid/closed. That does not take this fraudulent past due report off and it will remain for 7 years. I have made that clear to her and explained that is not how credit works. She has ignored my requests for a credit contact and gives me the run around with reporting it PAID/ CLOSED. It is paid and closed I also want that incorrect past due off my credit. As of XX/XX/XXXX there was XXXX balance again. I have filed with the XXXX also and they responded with the exact statement aboce, which says I was never 30 days late but that is what was put on my credit report. It has dropped my credit 114 points and will affect us buying a house if not removed!

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 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weinberg Mediation Group LLC
State: PA

Complaint narrative:
Weinberg Mediation Group began calling me several weeks ago regarding a XXXX  XXXX   card debt. Twice I answered the phone and talked to a representative, I told them I was going to contact XXXX  XXXX to validate that the debt. The first time the lady was very polite and said that was fine. 

The second time I spoke with a gentleman who was beyond rude. He told me that there was already a garnishment of my wages pending. I asked him how that was if I hadn't been sued and a judgement entered. He told me there was already a judgement against me. This was false information. I then told him the same thing. That I was going to talk to XXXX  XXXX to verify information and would contact their office back. I also requested that they validate that they own the debt. The guy told me that they could not mail me anything. He told me to call total and that " eventually '' I would get routed back to Weinberg Mediation. 

Not even 1 week later Weinberg Mediation called my parents house ( who live 100+ miles from me ) and left the following message on their home phone voice mail " This is a final courtesy call from the Weinberg Mediation Group before  reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good Day. '' My mother called the number back and they gave her details on my debt even though she never identified herself as my mother. She told them I didn't live there and they have the wrong address. They told her it was about a debt and that I needed to call them back. 

They have my home address and my home phone number. They KNOW how to get a hold of me, I've answered my phone when they call, outside of the times I'm at work. 

I believe they should be held accountable for continuing to call outside parties when they have my contact information and were just in touch with me a few days prior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is blocking me from accessing investment app XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX form with Navient, the response they gave me was that I was not approved for the XXXX. After that I asked the representative what the reason of for this denial, his reply was " he could not give me an answer. '' Next, I asked him how much would ; I have to pay each month on the account, he then gave me an outrageous amount. I subsequently begin to say to him, I am XXXX and receiving social security benefits, and I do not get much money each month. Moreover, I would not be able to afford the amount that the company is asking me to pay ; his response was, were you XXXX when you took out the loan. '' I was so taken back by his responses, which left totally speechless, I said thanks and hung up the telephone. After having that conversation with Navient, I just let it go. Until about a year later when I tried to reapply for the XXXX  XXXX by having my physician fax the necessary medical documentation that was requested. However, I have not heard from Navient. In my opinion, whats the purpose of saying that students can apply for XXXX XXXX  XXXX if the company is not going to honor any documentation stating the fact that you are XXXX  XXXX and incapable of working? There is absolutely no talking to this company, they are rude and do not care if you are destitute and unable to pay your rent. In addition, I have not had any problems with my other students loan accepting me as being XXXX XXXX. 

I would have to get the documentations from my doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial Services is Charging an excessive wear fee even though they had completed an inspection prior to lease return. The inspection report didnt include any Items that needed attention. Subsequently, the vehicle was returned. After having possession of the vehicle for more than 3 weeks they are claiming an excessive ware fee. This is a frivolous fee. I have attempted to come to a resolution on this with Toyota FS on 3 different occasions. However, they are not willing to work on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased  has caused a delay in income tax services, among other things and has harmed me severely financially.

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 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Have a security freeze on account with Equifax. Been trying several months to have it removed. Can't reach anybody on the telephone. Was told to submit in writing, which I did, and was told some sort of code would be sent to me allowing me to lift freeze on line. No code has been received. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn,  and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.

Company response to consumer: Closed with explanation