vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX at or about XXXX XXXX, a call was placed to American Express customer service to request a lower interest rate. Spoke to a person whose name XXXX ( person had an accent not completely sure ) who suggested I change from the American Express Blue to the American Express Every Day Card. I agreed on the condition that I could get a lower fixed rate. Was offered 16 %, requested lower. Person explained that interest rate would be a particular plus price. The next offer was 14 %. Reiterated that I was looking for a fixed rate. I was assured that the new interest rate on the new card would be 14 % fixed as this was my condition to change my card to the Every Day Card. Based on this information I agreed to change from American Express Blue to American Express EverDay. Knowing this call was recorded I went over the terms of the card several times. At the end of the transaction all parties were in agreement that the interest rate would be fixed at 14 %. Received the first bill, int rate was as agreed. Upon receiving the second bill, interest rate was now 14.25 % not the terms I agreed to. Complaint filed in XXXX. reiterated the agreed upon terms. The matter would be researched, tape of telephone conversation would be reviewed. Was offered XXXX credit to compensate for the rise in interest rate. Called back on XX/XX/XXXX to check the resolution and was told to call back in another week. Called back on XX/XX/XXXX. XXXX stated that there was no complaint, he explained that he prime rate increased, interest rate can not be fixed. Explained that was not what I was told when I agreed to the new card. I was assured that the interest rate would be 14 % fixed. He then verified that a complaint was filed and closed on XX/XX/XXXX with no resolution. Requested the termination of my account as this was not what was agreed to. I was assured 14 % fixed and expected American Express to honor the agreement on XX/XX/XXXX. Called was transferred to XXXX to close the account. She set up another complaint stating the tape of the phone call would be listened to to determine if I was told the interest rate would 14 % fixed and in which case they would honor the promise. She explained that the customer service made his statements in error based on my complaint. I told her this was supposed to be done back in XXXX. Requested I call back in 5-7 business days to check on the resolution. On XX/XX/XXXX, called and spoke XXXX. Tape was listened to, there was no error. Once again attempted to explained how interest is tied to the prime rate. Asked her to stop her explanation as I stand by what I was told on XX/XX/XXXX and that my account is to be terminated. Any and all charges were to cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clark County Collection Service
State: NV

Complaint narrative:
Recently after checking my credit reports, i found out that Clark County Collection Service is reporting a collection account in the amount of {$490.00}. 
I sent a letter to them via XXXX on XX/XX/XXXX certified mail requesting validation of debt pursuant to FDCPA. ( Certified letter tracking number XXXX ) They responded to my request for validation of debt with letter dated XXXX, XXXX 2019. 

There are few issues with there response. 

1. They said that i have been notified about this debt on XX/XX/XXXX, which is not correct i havent been notified about this at all. 

2. As a Validation of debt they sent a statement/bill from NV XXXX which is not enough to validate a debt. 

3. The bill sent to me as a Validation has my name on it but has unknown address on it ( XXXX XXXX grand canyon ... ) this is not my address. 

4. According to this bill the balance owed is {$620.00}, but they are reporting this account with credit bureaus as a collection account in the amount of {$490.00}. 


This is a Clear Violation of FDCPA and FCRA Please see said Validation Request letter attached along with there response letter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was involved in a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. XX/XX/XXXX he contacted me through a social media called " XXXX XXXX '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX XXXX NJ Stated he was an XXXX XXXX XXXX. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX and things kept happening. Machine fell in water and he needed money, no access to bank account or his credit cards, got in a car XXXX, got XXXX, needed money for medical bills, food and airfare. Wallet got stolen. Finally this XX/XX/XXXX he repeated his story of getting into an XXXX and sent same pictures. I am still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through XXXX XXXX and Chase bank I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I believe i was depositing money for a scam. I deposited money to XXXX XXXX, XXXX XXXX Florida chase account XXXX XXXX XXXX , XXXX XXXX ohio , XXXX XXXX XXXX ga XXXX chase account number XXXX , XXXX XXXX XXXX XXXX, utah chase account XXXX I have filed a report with local police but they dont think they can do anything and have not contacted me further. I have receipts, pictures, texts and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
My loan with Credit acceptance was being taken out directly from my checking account. My bank removed the payment without notice therefore, I was unaware it was not being paid. By the time I discovered it my payments were behind several months. I have started giving higher payments since then. First payment was {$500.00} & then {$190.00} every 2 weeks. As you can see loan is going down? This is highly affecting my score & very unfair. Please help? 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 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: GA

Complaint narrative:
XXXX did a background check with CHECKR background check and some information is not mine. I attached a copy of the packet XXXX sent me and a copy of the claim on my background check. either someone used my lost old expired license or checkr has the wrong information. 

XXXX, NV Consider UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) XX/XX/2014 Case Number XXXX File Date XX/XX/2014 Court Jurisdiction XXXX - NEVADA-XXXX COUNTY-XXXX  XXXX XXXX MUNICIPAL COURT XXXX COUNTY XXXX XXXX XXXX County XXXX State NV Charge UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) Charge Type misdemeanor Oense Date XX/XX/2014 Charge Date XX/XX/2014 Disposition FOUND GUILTY Disposition Date XX/XX/2014 Sentenced to TYPE : FINE : 50 TYPE : COSTS : 65

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Good Morning, I am filing a complaint with the consumer financial protection bureau against Navient, my student loan service provider. Since XX/XX/XXXX i have held a student loan with them. From XX/XX/XXXX to XX/XX/XXXX/XX/XX/XXXX I have made my payments on time every single month. Typically we mail in 2 checks in one envelope to cover the costs of the loan. For the past 12 1/2 years we haven't had a problem. All of a sudden the past 6-7 months, every time we send our checks into Navient they are being misapplied. They keep telling us we owe them money when we send in exactly what their requesting of us on the bill each month. Theres no way we ever owe them anything else. And every month I have been calling them when I get the bill to discuss this with them ( Ive talked to two managers and countless reps ) and theyve admitted to me that theyve misapplied the payments. One manager told me to start sending in the checks and denote each loan number and amount on the bottom of the checks ... we did that and they're still misapplying them and saying we owe them. Of course they blame it on their computers and never once human error or carelessness. And every time I call them, they end up readjusting/updating my account to reflect paid on time status because they admit that I did send in what i was supposed to, its just that they misapplied it. I am beyond tired of having to call them every month for an obvious scam they're trying run. They need to be sued and shut down. Id appreciate a response. Thank you Kindly, Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My identity was compromised in XX/XX/2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from XX/XX/2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.

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 2019-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This account has already been paid based on a bankruptcy filing. It is no longer owing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: NC

Complaint narrative:
My identity was compromised in 2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX County. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from 2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My identity was compromised in 2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from 2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.

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 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Account showed up on my credit report that I have no ideal about. Never heard of this company. Never signed a contract with this company. Information should be deleted from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: GA

Complaint narrative:
Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; XXXX   payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. XXXX  payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from XXXX. Equifax payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Repeated robocalls from a company identifying itself as AR RESOURCES attempting to force debt payment for some organization which I have never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; Transunion payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. XXXX   payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from Transunion. XXXX payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.

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 2019-04-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; XXXX  payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. Experian payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from XXXX. XXXX   payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.

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 2019-04-17 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: PA

Complaint narrative:
Hard inquire on my Equifax report for XXXX XXXX XXXX on XX/XX/XXXX that is not mine as i have never applied for anything from them ever. Happened while i was on vacation to Mississippi. Returned home and had a card from XXXX XXXX XXXX addressed to a XXXX XXXX XXXX with my address on it. I have never heard of this person although we share the last same name. I will attach the card from XXXX XXXX XXXX and proof of my identity. I have called both XXXX XXXX XXXX and Equifax and have gotten no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
I have contacted USAA at least 3 times regarding their sending of physical mail. Their site allows the option for electronic statements and each time I call, no matter what rep 8 get, I am told the same line .... " You shouldn't be receiving anything in the mail ''. I have contacted the CFPB before and got no success. I'm tired of my account numbers, address, military rank, name, insurance policy numbers and vehicle identification numbers being sent in physical form. USAA has demonstrated their lack of ability to control their physical communications and this increases risk to myself and countless others who move frequently due to military requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: AZ

Complaint narrative:
XX/XX/XXXX Loan ID XXXX. 

Lender required Direct ACH Debit using my bank account. This is a violating the Telemarketing Sales Rule and the Electronic Fund Transfer Act by requiring borrowers to agree to recurring automatic debits of their bank account as a condition of obtaining a loan. 

Located on loan application. 

Note ; ( e ) you fail to keep in force a bank account we can use to generate electronic payments page 4 Full Force and Effect. This authorization will remain in full force and effect until we have received written notification from you of its termination in such time and in such manner as to afford us and Depository a reasonable opportunity to act on it. You may send written notificatio by e-mail to XXXX or by mail to AvantCredit, ATTN : Compliance Department,XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Illinois XXXX. Upon termination of this authorization, you will be deemed to have selected the Remotely Created Check option below for all subsequent payments.page 3 This loan has since been paid off on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am in a process of buying a house decided to pay off my credit cards synchrony bank issue about several of them had them going on 3 years after I paid them off in full synchrony bank decided to closed them down all at once. with any warning no reason. call and spoke to them they was overly rude. and just kept telling me they are not obligated to tell me why they closed all of my account at once. I never once been late they said basically its the law for them to do what ever they want with there 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