vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: HI

Complaint narrative:
I previously opened a complaint with this company with your office. They stated in their response that the debt had never been deleted, and that they had a statement with the original creditor and balance. 

When they sent me the requested documentation, I found that the " statement '' was nothing more than some unidentified screenshot with no information. 

They also lied on their response saying that account ending in XXXX had never been deleted. Id had indeed been deleted previously, and I am submitting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On or about XX/XX/2019 I was contacted by Portfolio Recovery Services with regards to a collections account. After speaking with them for several minutes I agreed to pay off the settled upon amount of {$400.00} dollars or so. I agreed to make MONTHLY payments of {$65.00} f or six months. I was told there would be a bill mailed to me and I waited for that. 
Upon receiving the first statement I mailed a check for {$50.00} which was the incorrect amount. I do not know why this happened but I do take responsibility for that mistake. From there on I have continued to make payments in the amount of {$65.00} each month. The phone calls began immediately after the first payment was submitted and cashed and have not stopped even though I have requested that they terminate any contact with me. The calls are relentless, they come in on " ghost '' numbers, are continuous even on weekends and they have also contacted my place of employment. That is where I draw the line. My employer has nothing to do with my credit history and even after I made it very clear they were not to call my place of employment they still did. Their contention is that I agreed to make weekly payments and not monthly which is not what I agreed to. I asked them why I would agree to make payments every week instead of paying it off in one lump sum? It offers very little to no advantage to stretch payments out weekly. At that time I felt comfortable making monthly payments and so I continued to do so, on time, every month. 
I spoke to their representative again about 2 months ago and I thought we were again in agreement. Apparently they do not honor their commitments or have a comprehension issue. I asked them to stop calling me and to send me statements so I can finalize this debt. The calls continue and the statements if they arrive are erratic. 
I have one more payment to make which I am going to withhold because as they threatened in some of the phone calls they marked a late payment on my account even though that was not the case. I was specifically told in the beginning that even though they could not sue me due to the amount of time that had passed they could submit negative information to the credit bureaus, which they subsequently have done. 
There is no reason for this to have occured, because as you can see from the checks I have attached payments were made every month without fail. Yet the phone calls persist and the negative information is on my credit file which I am disputing. I am also going to be initiating legal action for harassment and seeking restitution with the help of my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
i have a lit of inquires that i have no idea where they came from and they were not me

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 2020-01-01 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: NV

Complaint narrative:
To whom it may concern, I have noticed a discrepancy on my Equifax Credit File. I had a student loan with the " Department of Education '' that I paid off in full in XXXX of XXXX. However on my Equifax credit file this creditor is reporting Paid/Closed but with 6 charge offs, 7 lates and a past due balance of {$1400.00} which is incorrect. The account number in reference on my Equifax report is # XXXX. 

This account should be reporting as paid in full and closed, with no charge offs or late 's due to the fact that the late payments noted are XX/XX/XXXX to XXXX of XXXX which is definitely incorrect. The Creditor was paid in full of XXXX of XXXX with no balance left whatsoever so for this creditor and Equifax to be reporting 7 late 's and 6 charge offs after is mind boggling to me, especially when the report itself shows my balance as {$0.00}. I need this information updated correctly within 30 days under the FCRA guidelines and regulations of all reporting agencies and creditors must report accurate and correct information. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Tina Bank Loan # XXXX To Whom It May Concern, Im writing on behalf of my mom. My mom is a XXXX year old woman who has lived in her home 29 years or more. She and my dad, XXXX XXXX purchased this home in XXXX for {$87000.00}. The address of the home is : XXXX XXXX XXXX, XXXX, SC XXXX. On XX/XX/XXXX, I called TIAA to inquire as to the balance owed. I was told by XXXX, the house was refinanced in XXXX with an amount of {$60000.00} still owed. I remember a refinancing to get a lower interest rate but no equity was dispensed. And if my mom received money for upgrades to the house, please give check # and the amount of check issued in XXXX, XXXX. She had nothing on file. The bank of record at that time wars Everhome Mortgage. So with a 30 year mortgage and no equity withdrawn, the house should be paid for. With her still owing {$60000.00} that means only a $ XXXX went toward the principal. I need some assistance. Ive been added to her account, so there is no privacy laws at risk. I can be reached at XXXX or XXXX. 

Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank USA reported on my credit report ( XXXX  ) that I made a late pymt on XX/XX/2018. During that time, I was on military leave. I communicated with Capital One by phone, prior to my leave, to automatically withdraw a pymt from my bank account. 

The pymt was never withdraw from my bank account and the pymt was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a credit card with American Express that is currently on a financial hardship repayment plan, where I am charged lower interest for the period of the plan. 

However, AmEx has been charging me two separate interest amounts every month, instead of just the one, that negates the purpose of being in this program. 

When I asked why, they made excuses about expired promotional balances but refused to comment on how this was in-line with my repayment program. 

I should not be charged these two separate interest amounts while in the repayment program ; otherwise, what is the point? This is deceptive and wrong. 

My entire balance should be subjected to the same lowered interest rate while in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$750.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.

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 2020-01-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit report is currently displaying incorrect balance amounts on my two XXXX accounts, affecting my overall credit usage score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PenFed CU XXXX # XXXX On XX/XX/XXXX, my XXXX credit card from PenFed Credit Union was lost/stolen, while I was visiting XXXX, XXXX, XXXX. I noticed the card was not in my possession that same evening, and contacted PenFed to report the card as lost/stolen, and dispute any unauthorized charges that were on the card. There was one approved charge and a few declined charges on the card. The approved charge which I am disputing is the following : XXXX XXXX XXXX XXXX for {$12000.00} PenFed agents were quick to lock my card, request a replacement card to be sent to my address, and give me a credit for the fraudulent transaction. Starting from XXXX, I kept receiving calls from somebody named XXXX, from a standalone firm, and not PenFed, doing the fraud investigation on behalf of PenFed, which is in itself ridiculous ... why is my private financial information even being shared with a 3rd party without my consent?! She left me 2 voicemails on my phone, and I kept trying to reach her, every single time, calling the number she had left. However, I was unsuccessful every time, and I left her voicemails with all the information she might have needed including the police report number, asking her to contact me via phone or email, if she still needs to talk to me. Today, On XX/XX/XXXX, I noticed the charge has been reposted onto my account, which has made me furious ... I really hope this is just a mistake with their system. To solidify my case, I have filed the police report # XXXX, Officer XXXX, XXXX # XXXX. 

The unauthorized charges on the XXXX credit card that PenFed CU is refusing to reimburse me for is as follows : XXXX XXXX XXXX XXXX for {$12000.00} I, hereby, request that PenFed CU stand by its zero percent fraud protection guarantee, and make me whole. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.

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 2020-01-02 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus 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.

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.

Also, the creditor of this account, which is XXXX XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online.

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 2020-01-02 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus 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.

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.

Also, the creditor of this account, which is XXXX XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online.

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 2020-01-02 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
WELLS FARGO is reporting my account # XXXX as a CREDIT CARD on my credit files. This account should be reporting as a LOAN. I just at the beginning of this 0 % 60 month term loan, therefore the balance is still high, due to it's my first year paying on it. This is causing my credit score to drop horribly because by wells fargo reporting it as a credit card instead of a loan, it's showing that I have a high utilization rate. 
Please update this account from reporting as a credit card to reporting as a installment loan. Thank you!

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 2020-01-02 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: Atlanticus Services Corporation
State: LA

Complaint narrative:
FORTIVA is reporting my account # XXXX as a CREDIT CARD on my credit files. This account should be reporting as a LOAN. I just at the beginning of this 0 % 60 month term loan, therefore the balance is still high, due to it's my first year paying on it. This is causing my credit score to drop horribly because by Fortiva reporting it as a credit card instead of a loan, it's showing that I have a high utilization rate. 
Please update this account from reporting as a credit card to reporting as a installment loan. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
As of XX/XX/XXXX XXXX XXXX my previous loan servicer for the past 10 years and my current loan servicer Select Portfolio Service starting XX/XX/XXXX has failed to communicate with each other regarding the incorrect monthly payment amount of {$4300.00} With Property value of over {>= $1,000,000} according to XXXX XXXX. As of XX/XX/XXXX Incorrect information is being reported to the consumer credit reporting agencies that my mortgage amount monthly is {$4300.00}. By supplying incorrect information to Consumer reporting agencies I lost my leased car and I was not able to finance it due to low FICO score. 
XXXX never admit it or made any effort to correct their mistake by doing the right thing and fixing my monthly mortgage payment did the amount that I am legally supposed to pay. 
I have evidence of registered letter and making phone calls to XXXX XXXX  and filing a complaint regarding my case with the consumer Financial Protection Bureau asking XXXX to please make correction to my monthly mortgage. All my phone calls were ignored and my letters that I send certified mail was not acknowledged. ( Responding back to Consumer Financial Protection Bureau XXXX XXXX  clearly stated that my property value is XXXX dollar or more and I am legally obligated to pay {$4300.00} XXXX  and they are not willing to make any correction in what there are reporting to Consumer reporting agency is also correct. ) I am providing XXXX XXXX and Select Portfolio Services with the documents that I have from XXXX County and the statements that I printed from the website of Select Portfolio Services and XXXX   XXXX servicer as evidence the XXXX  was dealing with me unfairly and I was right all along I had a document from XXXX County saying that my property value is only {$800000.00} in my exemption is {$7000.00} so that brings down the value of my property not up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: LA

Complaint narrative:
Please review the attached documents and update my credit report as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: NC

Complaint narrative:
I am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. In XXXX of XXXX, I sent my payment to Walmart for the minimum amount required. Accordingly, I mailed this to Wal-Mart before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked Wal-Mart Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. I asked to have the late fee waived. Walmart complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the Walmart Customer Service Department to discuss the possible oversight. I asked about the minimum  payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. I tried to file a complaint with XXXX  but the online dispute website was down at the time. 

I'm writing to dispute the above account. I disputed the Walmart credit card balance a few months ago. THis account under XXXX Walmart was closed but still showed as late. The account was transferred to Capital One Walmart with the incorrect amounts. I've been sending 3 % of the total amount due. I would like to have the trade line for Capital One Walmart at CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: LA

Complaint narrative:
Please review the attached documents and update my credit report as requested.

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