vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
have talked to capitolone supervisor andhave sent letter to corporate office with no response all can be seen on accountand payments set with supervisor at capitol one, interest fees to high and payment not being reported and late fees 5 times in a row for XXXX even though make payment ofXXXX that wasagreed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
This company originally reported this item to the credit bureaus back at the beginning of XX/XX/2017 I disputed this item with them as well as the credit bureaus they ended up deleting this item and sent me a notice saying they would stop collection attempt and remove it from my credit file in XX/XX/2017 this is my last attempt trying to get this item removed before I file suit since they failed to verify this item and send real reporting items that have my signature for this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Endpoint Resolution Services (ERS)
State: TX

Complaint narrative:
This Company did a background check on me and contacted my landlord, my mother and my job telling them they are trying to get a hold regarding this debt, I have no idea what this debt is for because they have not informed me via mail, they just keep calling me. They preformed a background check on me without my consent and bothering innocent people about this " debt ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley National bank has charged me fees when I transfer money from my XXXX account. Each time that I transfer from XXXX, it says it is free. Valley national bank did not provide information that they charge fees when using this mobile service, XXXX.

I have been charged for over 20 dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 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: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX Neon Blue/Red XXXX from XXXX XXXX XXXX on XX/XX/2018 for {$200.00}, tax included. Payment was made by XXXX pay through my Bank of America checking account. Order number given was XXXX. Order was confirmed by email and shipping was pending. All communications with this seller since have been in vain. No response to any emails requesting updates. I have reviewed XXXX pay policy sine this event and am quite aware that I have been scammed, but would like this seller to have some consequence. Please help!!

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 2018-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
I've tried to reduce my monthly payments based on my income. I have yet to get an answer and it has been over 30 days. I have submitted all the documents and applied for the reduction twice. However, every day I get at least two or three emails demanding that I make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 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: AR

Complaint narrative:
in XX/XX/2018 I disputed a account that's reporting inaccurate information on my Equifax Report. The inaccurate is XXXX XXXX # XXXX. In XX/XX/2018 I disputed the account again and they continued to report back as verified. The XXXX XXXX account is reporting as charged off. So if the account is charged off there should not be a monthly payment reporting on this charged off account per the FCRA. So Equifax has been reporting this inaccurate information and it needs to be removed from my report immediately.. No charged off account should be reporting a monthly payment,, I have enclosed copies of the account showing a monthly payment of {$2500.00}. Please remove the alleged account from my file ..Equifax is not reporting 100 % accurate information,,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CT

Complaint narrative:
Sent them a debt validation letter. Did not receive any information to confirm debt is owed to them ( I am 100 % certain I do not owe this company ). Instead of validating it they put it on my credit report.

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 2018-08-30 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was notified on XX/XX/2018 from XXXX XXXX and my XXXX XXXX account through XXXX XXXX regarding a hard inquiry reported on my XXXX  credit report without my knowledge. I knew this was identity theft as I recently found out about another hard inquiry a few days prior with an account being opened without my consent/knowledge through another company. I am currently dealing with that case and have registered with the FTC as a victim of identity theft as well as submitted an FTC fraud report. In addition, I had also notified the 3 credit reporting agencies of my initial unauthorized hard inquiry from another company and on XX/XX/2018 placed a fraud alert for 90 days on my credit reports. I contacted XXXX  credit reporting agency immediately on XX/XX/2018 who advised me to contact Synchrony Bank with whom the credit inquiry was made to dispute the matter regarding removal. I spoke with the supervisor from customer service at Synchrony Bank who could not assist me further as they state they would need more details about the account otherwise there is no way they could trace the transaction that took place as they are lenders for revolving store credit accounts of numerous companies. I explained to them the only information reported on the credit report was SYNC-National Credit Cards/Airlines ( see section of report ). It was also told to me that most likely it is showing up like this because the initial application for a line of credit was denied therefore Synchrony Bank does not receive record of these transactions and thus they can not be tracked. I was again advised to contact my credit reporting agency to dispute the matter. Unfortunately, the credit reporting agency states it must be dealt with company and they would need a letter from them directing them to remove the unauthorized/fraudulent hard inquiries on my credit report.

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 2018-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: YES AUTO CREDIT
State: OK

Complaint narrative:
I purchase a XXXX XXXX XXXX XXXX from Yes Auto on XX/XX/XXXX by placing XXXX down and making payments on the rest. On XX/XX/XXXX they came and repo the vechile stating I defaulted on the first payment. The issue I have is I never know when my first payment was due or where to make the payment. I searched through my paperwork that I signed and couldnt find any of that information. 

On XX/XX/XXXX I contacted Yes Auto to firgure out if they had repo the car because it was not parked where so parked it when went to work. Thats when I was informed they had repo it because my payment was due on XX/XX/XXXX. I tried explainning I didnt know when the payment was due and it was a mishap. I was informed that I had signed the paperwork and it was in my contract. They told me it would be XXXX repo fees plus my car payment of XXXX. I then informed them that I wasnt going to pay all of that considering I just paid a XXXX down payment on XX/XX/XXXX and wasnt intentionally trying to not make payment I simply didnt know when it was due. 

When I got to lot to obtain my things I staff person came out and got in my personal space about the key. I explained I was getting my thing. He got confrontional with me and I then told him I had a right to get my stuff in peace. Once I obtain my property I got into the car I drove in and being to leave. Then the same guy that was confrontational came running and jumped into the front of my car trying to prevent from me leaving then another person came and jumped in front of my car as well on the other side. Both were banging on my car. The first guy then started banging hard on my car staring stop the XXXX XXXX XXXX! 

Due to his deposition earlier I did not feel comfortable dealing with him and I also wanted to speak with the person that sold me car to discuss this matter and talk about my XXXX I had paid two weeks prior. 

I was informed that they tried calling me but I never got any calls to my job or personal number. I had called my reference the day that Yes can stated my payment was due and reference 1 told me that reference 2 had informed them earlier in the week that they had received a call from the car lot stating to the affect that they werelooking for their car. 

The issue I have is I didnt have the vechile 30 days before they took it back and I would have been more than happy to pay reasonable late fee if in fact I missed a payment. I dont understand how they can repo a car two weeks after someone gives them a down payment. 

My other concern is of the staff members jumping in front of my car and cursing me and behaving in a threatening manner and also trying to hold me against my will at the lot over a key, that is not worth much compared to my XXXX I gave them for a down payment on a vechile I intended on having longer than 2 weeks.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-30 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX   ) XXXX XXXX XXXX ( XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX 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 non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In XXXX 2018 I disputed a account with Equifax that not reporting 100 % accuracy .. The alleged account is XXXX XXXX XXXX XXXX # XXXX.. Equifax reported back that the account was verified and reporting 100 % accuracy.. Well today as of XXXX XXXX2018 I noticed that the account is charged off and has been sent to another agency sold to another lender,, and Equifax is not reporting 100 % information on my report, The account is sold and Equifax has failed to report the information 100 % accurate and the alleged account needs to be removed from my Equifax file. I have enclosed a copy of my recent report with Equifax and the account is not reporting the sold account information. Equifax please remove the account from my file,, your company is in violation of the FCRA. And my rights have been violated. The account is sold I've called and spoke with the original creditor and they advised me that the account is sold,, so the credit company is not reporting the information accurate,, I found out this information from the original creditor and its Equifax job to report 100 % information on my report, and Equifax failed to do so,,, ,so please delete this or I would be subject to file a small claims for your violation and non-compliance In the pictures enclosed it shows in the remarks that the account is charged off only,,, where the status should show sold to another agency or outside lender,,,, thank in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I have been getting robo calls from Navient every day for past two weeks. Computer voice is asking for XXXX XXXX to call XXXX or go on line with Navient.com to fix or check account. There is no email address listed for Navient and all calls come in after company is closed so trying to respond to them goes to voice mail with no option of leaving a message. Obviously, a false account was made using my landline #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Said I have 3 months to stay or go and they said the government will help me with the payments I was there for 2 months and I had to drop out due to daycare which they also said I will be helped with also on my credit report I have debris disputes about the same account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: NC

Complaint narrative:
RE : Account : # XXXX After formally disputing the collection account referenced above ( that does not belong to me ) with Financial Data Systems & the credit bureaus, I filed a complaint with the Attorney Generals Office against the debt collection. The correspondence from Financial Data Systems, dated XX/XX/XXXX, to the Attorney General office  stated that they had enclosed information in regards to what they sent me & attached a copy of the financial agreement form dated from the alleged time of service, XX/XX/XXXX XXXX, however I did not sign that agreement & the Signature of Patient section is completely blank, no one signed it- including the alleged witness! 
The company continues to claim that the collection account is valid & my responsibility, however it is impossible to validate any account if the financial agreement is NOT signed by the patient/consumer ( or anyone for that matter ). 
There is no legally binding contractual obligation verifying I am the one responsible for the alleged amount owed ( {$410.00} ).

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 2018-08-30 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX   XXXX  XXXX ( XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX ( XXXX   : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX  : 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 non-monetary relief
Consumer complaint received 2018-08-30 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX   XXXX XXXX ( Equifax : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX ( Equifax : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX Equifax : XXXX XXXX : XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 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: PA

Complaint narrative:
XXXX XXXX XXXX appears on my credit file as a XXXX XXXX XXXX   XXXX  in which I did not apply for. I'm not trying to hear the XXXX about Experian owns or merge or what ever lie XXXX XXXX is running. Now its XXXX XXXX XXXX all it is a scam by Experian as well as XXXX XXXX XXXX. I did not apply or request no loan from XXXX XXXX XXXX XXXX. I'm also filing a complaint with the XXXX XXXX. I opt out with Experian in XXXX XXXX XXXX for no marketing or offers as for my opt out is violated. 
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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Credence Resource Management requesting validation, not verification of a debt they claimed I owe. In this letter I requested that they send me a list of items to validate this debt in reference to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 { b }. I received quite a bit of letters from Credence Resource Management stating that they validated the debt as accurate ; however, they failed to provide me with the proper documentation to support this accuracy, but instead they continued to send me an itemized statement of a bill. This however does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In response to these letters I sent another letter to Credence Resource Management certified on XX/XX/XXXX requesting that they remove this inaccuracy of this debt from my credit report due to the FCRA act stating that they are not allowed to report inaccurate information on my credit report. I have warned them of taking legal actions against them if they can not comply to these regulations. As of XX/XX/XXXX, I have not seen any deletion of this debt and they continue to report the credit bureaus of this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I recently did a pre qualify soft pull for citi bank But the application passed through my credit report as a hard pull. By the fair credit act if they can '' t prove that this report was a hard pull then they must delete this Item.

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 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2018 I called Citi credit card company at XXXX. I followed up with an email I received promoting 21 months of 0 %. The employee on the phone said that no offers were on my account. I asked if it was for new credit card members and he said no. I have been a credit card account holder for 7 years. I wanted someone from the marketing team to call me but he said that would not be possible. 

XXXX XXXX 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 2018-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ive made Ally Financial aware that due to a divorce and reduction in income i was having difficulty making payments on my vehicle. Although they have issued 2 payment deferrments in the past, i feel based on the circumstances they should have considered lowering the payments temporarily to allow me a chance to get things caught up. Their representatives have been extremely rude and uncaring, only interested in collecting money. Not all of them, but most.

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