vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 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: GA

Complaint narrative:
I was never late 30, 60, or 90 days late. I am not sure how this happened. I believe that I had made my payments to the companies when I received my statements. My only thought is there was a billing error with my statement because I have always made my payments on time. 

I contacted the companies in regards to this matter but they never responded. Also during the time the late payments took place My Identity was stolen. I have sent them letters, made calls but not response these accounts is hurting me and I need the matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : 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 2017-10-10 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: NY

Complaint narrative:
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the XXXX account does not have any delinquencies, and must not report on my credit report, i have already spoke to XXXX and XXXX, they removed this inaccuracy with the letter that creditor provided but experian has not removed this yet, please have this remove and help me to remove from experian. 
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 non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX at XXXX pm I made a deposit for {$700.00} at the ATM of the Fifth Third Bank office in XXXX Ohio XXXX XXXX XXXX XXXX, XXXX, OH XXXX where I have my account, the ATM did not make the deposit and he also did not return the money but gave me a receipt where he says that due to technical problems the deposit could not be made nor the money returned, I filed the complaint and the bank gave me the amount in credit while the dispute was resolved, after 30 days I received a letter saying that I had lost the dispute and therefore I had to pay the money they gave me in credit, I made a second claim and after another 30 days I received another letter with the same resolution, that I had to pay the money given in credit. It should be noted that I faxed a copy of the receipt provided by the ATM to me on XXXX/XXXX/XXXX at XXXX pm, I have complied with what the bank has demanded on my behalf notwithstanding they still I have proof of the error of their machines they insist that it 's my fault, they closed my bank account and they passed me to a delinquent collection department

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-10 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: CORELOGIC INC
State: AL

Complaint narrative:
On XXXX XXXX, XXXX visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.

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 2017-10-10 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On XXXX XXXX, XXXX visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.

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 2017-10-10 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
First, I am outraged that I am just learning about income based payments within the last two years. Every time I would call, they would pre-screen me for some type of hardship or deferment. The amount of interest that has accrued in beyond what I could ever pay in a lifetime. This was very deceptive! When I would get assistance for income based-programs the payment was still more than I could afford. I would call time and time and again to explain this to them. I would explain that I have not worked in three years and my husband 's income supports a family of XXXX.  I would still get a ridiculously high payment. They have capitalized greatly as the amount owed has grown tremendously. Had I had a viable option from the beginning, I know that even a small payment would 've decreased what I owe now. 

Secondly, I called them explaining to them that the program I went to school for is no longer offered and the department that offered the program is defunct and they said they could not help with this. They refused to even send me any forms about my options regarding this manner. 

This is a systematic strategy solely for the purpose of generating revenue on the backs of struggling student loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
I 've never received any notification of this debt. Collection agency is calling but has n't sent evidence this is owed or I was ever notified previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
After I did modification my first loan in XXXX, my second loan remained same 11.5 %. It was difficult to pay. Every 6 months the landers were change and made me difficult to make deal with them. 
And on XXXX, XXXX the new lander XXXX XXXX of my second loan, sold the property as a foreclosure house an auction to somebody else, who evicted me from my propertys even if I paying my first loan. Before they sold the house many times I contacted to my first lander and explained the problem. But they did not even try to help me. After I left the house I stopped paying my first mortgage. Now they are keep sending the letters thats my responsibility to pay. 
Im confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Please refer to the following complaints : XXXX XXXX/XXXX/XXXX XXXXXX/XX/XXXX I have asked this company to validate/verify the said debt and they repeatedly and knowingly report this information without verifying the debt. I have specifically, starting inXX/XX/XXXX asked that the debt be validated as per FCRA. This company ONLY sends a bill and calls it validation. I have yet to receive the following : -Original contract that has my signature as a promise to pay - Contract or assignment documentation that shows they are able to collect and report on my credit. 
-Full accounting of the said debt from account inception ; contract and promise to pay, all payments, offers credits etc. on the account and how they arrived at the full balance. 

Simply providing a bill is not sufficient under the law. They did not provide this information within 30 days of the original XX/XX/XXXXrequest and this company is hereby in violation of the law FCRA as they continue to tell the credit reporting agency that the debt has been validated and it has not. 

I have reported this illegal act to the California Attorney General and this will be the last resort before filing a formal law suit against Diversified Consultants. I am requesting that DCI remove this line item from my credit report as they have not validated the debt. 10 months later they have not validated the debt however they keep breaking the law in telling the credit reporting agency that the debt has been validated. I am seeking resolution at this level or I will sue this company which will result in a fine for each occurrence. Meaning every time this company broke the law and lied and told each of the credit reporting agencies that this was a validated and verified debt as well as sent me a bill and not the validation requested they will be held liable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: TX

Complaint narrative:
I have a lease through Volkswagen Credit, which was until recently on automatic payment. A few months ago I noticed Volkswagen charged nearly {$150.00} more than my typical payment. Volkswagen never communicated it would charge this additional amount, so this was a complete surprise. 

I contacted VW credit and did not hear back for several days. So, I disputed the portion that was above and beyond my usual payment with my bank. I again contacted VW in writing and did not hear back. 

My bank confirmed with me that they tried multiple times to contact VW credit to work things out, which is typical for a dispute case, but were unable to get a hold of anyone and eventually the dispute was authorized by default. 

The next month I receive a bill stating I was past due in the amount of the typical payment plus the mystery charge. VW credit had still not contacted me about this transaction despite repeated followup. Finally I get someone on the phone who explained what the extra charge was for ( a tax on leased vehicles specific to my city, which gets passed on to the consumer once per year ; she could n't tell me why I had n't received this extra charge in the 2 previous years of leasing the vehicle ). I tell her I will go ahead and pay the past due lease amount, since I did not dispute the charge to begin  with, and I will read the law regarding taxation on leased vehicles ( this is not typical in my state but unbeknownst to me at the time a handful of cities tax leased cars ). During this conversation the representative assured me that since I paid the " past due '' amount it would not show up on my credit report, and I have until the lease ends to pay the additional charge for the tax. 

After researching the surprise tax charge, I pay it within 30 days of the conversation and several months before the lease is set to end. A couple of months pass and I find out that despite paying the past due amount and the additional surprise charge, there is a derogatory mark on my credit report. I send a message to VW credit explaining the situation and letting them know that I was told very specifically that my credit would not be damaged by what happened. They reply, in so many words, that they do not plan to revoke the derogatory mark and they do n't care what their employee said. 

First the diesel scandal and now a confirmation that Volkswagen does n't care about their customers or doing what they say they 'll do. Stay away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IL

Complaint narrative:
I do not know if you can help me or not. I decided to say something after my mother was involved in a class actions suit and received a settlement for the same type of company. About ten years ago I signed up with a debt settlement company. I thing there name was XXXX XXXX. All I remember is that they took money every month and put it into an account at XXXX XXXX XXXX. They said they would settle my debt. I was told to have all my creditor 's contact them and they would handle everything. I paid a large sum every month and all I got was liens and a wage garnishment. When I told them I no longer wanted to work with them and wanted my money back that was being held in this account, I was told that the money was not refundable as it went to pay their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Our insurance company fax proof of insurance to Ocwen 7 times in the last 6 weeks they just placed Force insurance and took {$1400.00} out of our escrow account I do n't know what else to do to prove to these people we have insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: CITIBANK, N.A.
State: MD

Complaint narrative:
A hard inquiry was reported from " Thd/cbna '' on XXXX XXXX, 2017. I called Citi Theft Solutions through the Home Depot. They were supposed to remove the hard inquiry. To date, this has not been 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 2017-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have been unable to access my online banking account for over a month. I called Capital One, and they escalated the request to " Tier II. '' I heard absolutely nothing from them. This call took place around XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I visited a Capital One caf account. The XXXX banker called Capital One, and they said that they were aware of the issue and they were issuing a patch that would correct the problem at midnight ( on XX/XX/XXXX ). He said it was a problem that had resulted after a system update, and had affected only a few dozen people. I was told that it would fix the problem, and on XX/XX/XXXX I would be able to access the account. I still can not. I called again today ( XX/XX/XXXX ), and all I was told was " they were aware of the problem and do not have an estimated time of resolution. '' It 's an online account, and I have no way to access it other than through the app. It 's exceptionally frustrating, and Capital One does not seem to be taking the matter seriously since it 's only effecting some of its customers. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: TX

Complaint narrative:
On XX/XX/XXXX, I received the result of my dispute submission. The result was, the account belonged to me. I am a XXXX, and my father is a XXXX, the account belongs to him. This collection account apparently was opened in XX/XX/XXXX, In XX/XX/XXXX I lived in California with no pets why would I have a XXXX XXXX XXXX account? 

I believe because my father and I both have the same name, and I recently ( as of XX/XX/XXXX ) live at the same address there was a mix-up and his collection issue has found it 's way into my credit report. A simple investigation into the account may show the original account owner is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened a Bank of America checking account XXXX XXXX with a promotional offer of earn {$300.00} after direct deposits totaling {$4000.00}. I directed by tax refund and employer direct deposit into the account during the promotional period totaling over {$4000.00}. 

I called in a few months after and a BofA representative assured me that all the requirements were met and that I simply had to wait for the bonus to be deposited to my account. 

In XXXX XXXX I had still not received the bonus so I called in, at which point BofA XXXX informed me that I was denied the bonus due to my tax refund not being considered a direct deposit. There was nothing in the fine print that excluded the tax refund from qualifying.

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 2017-10-10 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: Credit Plus Inc
State: WI

Complaint narrative:
My credit was pulled by Credit Plus. They were checking rates for refinanced mortgages and did NOT have my authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: Colony Brands, Inc.
State: TX

Complaint narrative:
The XXXX XXXX sold my account to a collections company but is still reporting debt by them. 
I first tried to request a letter stating that if payment was made it would be reported as such on Monday, XXXX. At that point they told me they sold the account to a collections company and I would need to pay the collections company, then I would need contact XXXX XXXX. I then requested a letter stating that they had indeed, as they stated, sold the account to another company or that they do n't hold the debt any longer. They refused this as well. Today, Tuesday, XXXX I called back telling them I really do need that letter especially since they are who are reporting the account too. XXXX XXXX again refused to issue a letter to me, but then told me XXXX XXXX go ahead and pay them, XXXX XXXX even though they no longer own the account/debt. This I know is not right and I need help resolving this issue.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-10 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: Riverwalk Financial Corporation
State: WA

Complaint narrative:
I found an entry on my credit report with XXXX that claimed a collection report by XXXX XXXX XXXX XXXX owed to XXXX Colleges in the amount of {$130.00}. The date opened was XXXX/XXXX/XXXX. This does not make any sense since I have never owed XXXX XXXX any money and even if I did, no attempt was made to collect in the first place. 

I disputed this with XXXX but they would not remove it. XXXX XXXX is of no help since they will not even talk to me. I feel that based on the history of XXXX and the fact they are unresponsive to this fraudulent claim, this item needs to be removed from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation