vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.

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 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I have been rebuilding my credit for years and I raised my credit sore to XXXX where it has approx remained for the last year, I went to check my score recently to find it has dropped a 101 points overnight. a collection company ( Receivables performance Management ) put a collection/charge off on my credit report, stating I owe XXXX to ( XXXX XXXX ) I have never had XXXX XXXX in my life and have never had any type of dealings with XXXX XXXX. I checked into the collection agency and discovered I am not the only one with the exact same issue with this company the internet is littered with the same complaint as mine. the Better Business Bureau complaint/comment section has at least 50 complaints of the exact same claim with Receivables Performance Management saying they owe XXXX or XXXX, XXXX, XXXX ... when they have never had any dealings with them whatsoever. I have never received a letter or phone call from this collection company, this is either a mistake or they have just made up this claim in hopes I just pay to get it off my credit report. this debt is not mine it is either fraudulent or human error, I need this off 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 2017-11-01 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: CA

Complaint narrative:
In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.

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 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX XXXX, the correspondent re-financed his house. Using equity from the interchange, the correspondent asked XXXX XXXX XXXX XXXX ( the escrow company ) to pay off his Citibank account in the amount of {$31000.00}. A first check was sent in XXXX XXXX. As this check was not cashed within thirty days, the correspondent asked the escrow company is cancel that check and re-issue another check. The second check was sent using XXXX or similar courier on or about XXXX XXXX XXXX. That check was cashed and deposited by Citibank on or about XXXX XXXX XXXX. 

The correspondent started checking his Citibank for the deposit for thirty days. When the deposit was not forthcoming, the correspondent then had a phone conversation with Citibank Payment Investigations. The resultant fax ( XXXX ) was sent XXXX XXXX XXXX. 

Subsequent digital and physical mail communications with Citibank indicate that the deposit was made in an incorrect account ( XXXX ). A subsequent digital communication indicted that the correspondent should ignore the letter sent on XXXX/XXXX/XXXX or words to that effect. 

After repeated efforts on the part of the correspondent to rectify this situation and with full and complete disclosure of all attached information, Citibank has refused to continue to communicate regarding this issue. 

The correspondent has continued to pay the monthly payments on the account to ensure the good state of his credit record. 

XXXX Original correspondence with Citibank regarding the paid off account dated XXXX XXXX XXXX includes ; a copy of the source check from escrow company and deposited check from Citibank. 

XXXX Copy of digital correspondence on XXXX XXXX XXXX where Citibank tells that they inadvertently deposited the check into the account of XXXX XXXX. 

Correspondence1 Correspondence2 A collection of the digital correspondence between XXXX and Citibank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB : Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that Experian ( ( CREDIT BUREAU ) ) failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent on XXXX XXXX XXXX sent certified mail with USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.

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 2017-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
Hello Sir/ Madam, I made an international money transfer of {$150.00} into my receivers bank account on XXXX/XXXX/XXXX via Western union. As of now money has not been deposited. 
I called them around 15 times, every time they say that transaction has completed successfully. Even though I provided them the proof of not getting it done successfully. ( receivers bank statement since they asked it ) Already tried to contact higher authorities, no answer from them as well. 

Please help Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XXXX/XXXX/XXXX, I purchased a used car from XXXX XXXX XXXX in XXXX, WA using pre-approved financing which I had obtained through CapitalOne Auto Finance  ( I 've uploaded the vehicle sale contract from XXXX XXXX XXXX and the first monthly statement that I received from CapitalOne ). 

Per my contract from XXXX XXXX XXXX : APR : 6.61 % Number of Payments : 72 Amount of Payments : {$300.00} Finance Charge : {$3900.00} Amount Financed : {$18000.00} Total of Payments : {$22000.00} Total Sale Price : {$22000.00} Per my first monthly statement from CapitalOne Auto Finance : Amount Financed : {$18000.00} Interest Accrued this Period : {$78.00} Ending Balance : {$18000.00} What does not seem right to me is the 'Interest Accrued this Period ' charge of {$78.00}, which was not disclosed at the time that I executed the contract with XXXX XXXX XXXX . I called CapitalOne and they said that it was per diem interest accrued from the day that I purchased the vehicle toXX/XX/XXXX While I do understand how per diem interest calculations work ( I work in the mortgage industry ), I do not understand why that interest was not disclosed to me or factored into the final numbers when I purchased the vehicle. 

I was also told by CapitalOne that my first payment is due on XX/XX/XXXX and my last payment is due on XX/XX/XXXX, which is a 73 month term and is not what I agreed to. By my calculations, the 73rd payment would be for {$78.00}, which is the amount of the undisclosed per diem interest that I did not agree to. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: IL

Complaint narrative:
XXXX XXXX I paid my statement balance 1 hour late. I incurred a lets fee which the company did waive and {$30.00} in interest which the company would not waive. I also found out later that fit 2 months I have to pay finance fees. The company did waive 1 fee. I have always paid my statement balance in full on time except this one time I was 1 hour late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One Credit card last reported on XXXX/XXXX/XXXX that I had a balance of {$5400.00} with a credit limit of {$6500.00}, showing 84 % usage. This has been paid off with a zero balance since XXXX. This has caused my credit score to drop over 40 points and I am in the process of getting a mortgage. I have called the credit agencies AND Called Capital One who said this may take 60-90 days. ALL I AM ASKING IS THAT THEY REPORT to the Credit Agencies but they say because I am in Florida they STOPPED CREDIT REPORTING BECAUSE OF XXXX. THIS IS GOING TO CAUSE A negative situation in possibly not getting my mortgage OR getting a higher rate. Are there attorney 's that I could talk to about getting this taken care of PROMPTLY? Today is XXXX XXXX, XXXX, so it is over 2 1/2 months since they reported the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for carecredit on XXXX XXXX, XXXX. My cat needed emergency needs. The procedure cost {$400.00}. Now I was told by carecredit that a cost of {$900.00} dollars was also taken from the card, but I 'll have to double check that ( waiting for statements in the mail ). 

I also had an emergency XXXX XXXX operation that cost {$1000.00}. There were other smaller payments for my cat, but I paid the minimum since getting the card and never missed a single payment. I kept up with every payment ( minus this {$900.00} ). Each time I paid, my minimum decreased. I had my balance down to {$2100.00}. 

I was given a ridiculous promotional option of paying {$1300.00} before XXXX/XXXX/XXXX. Here 's what is stated at XXXX XXXX : " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due ''. 

Being a single young woman living on her own, paying utilities, rent, car notes and insurance plus health insurance, carecredit 's promotion was laugh worthy. So, I only paid the minimum as I could only afford. At this I was paying {$71.00}. 

Now my statement is {$2500.00} with a minimum of {$84.00}! I called carecredit and the supervisor apparently said that for each time I used care credit, a promotion was given for me to pay off the debt I owed. To my knowledge, I only received the XXXX promotional plan which was too expensive to pay off anyway. 

I never knew about any other promotion or the fact that using my card pretty much made matters worse for me. 

Bottomline is that after faithfully paying my debt and never being late ( even paid early ), I 've been sacked with a HUGE interest rate that put me back at square one. I had credit cards before whereas all you do is use it, pay your debt, done. But it seems like the folks at XXXX XXXX wants to keep their customers in debt and leech off of them with ridiculous interest rates that will keep customers enslaved to this wretched business! 

I need help. I feel as if I 'm being scammed and that care credit will stay taking my money for ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: OK

Complaint narrative:
I have my social security benefits deposited onto the direct express debit card and today I did not have access to my funds. I have been calling the customer service number but have not been able to get to a live person for over 7 hours. I called the number to enroll for the card but they advised that they could not help me and that I needed to contact the customer service number. This is not professional and is unacceptable to not have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please Be advised. Equifax is in breach of the Fair Credit Reporting Act by continuing to keep inaccurate information on my credit report. I have disputed the inaccurate personal information several times yet no changes have been made to my report. Equifax even notified me that the information had been deleted, yet it remains on my credit report which means Equifax is knowingly continuing to report false information. On XXXX XXXX, XXXX Equifax sent me an investigation result stating the inaccurate address have been deleted. On XXXX XXXX, XXXX I pulled my Equifax credit report and the inaccurat information is still harming my credit report. Despite confirming to me in writing that the information was deleted Equifax insists on violating federal law. This is a clear violation of the Fair Credit Reporting Act, and exemplifies open willful neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In XXXX and again XXXX my identity was stolen. In XXXX XXXX Walmart started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a 0 balance when stolen, the person ran up 1600+ worth of charges XXXX XXXX XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent Walmart police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called Walmart and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome

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 2017-11-01 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: Selene Finance LP
State: CA

Complaint narrative:
I would like some intervention because XXXX is not at all coopertaing with providing an actual investigation and correcting my items. I have notifieid them of these inaccuracies as well as sent the physical proof from my credit report to back up my claims ( see report attached ) and still nothing was done. How can they continue to " verify '' these inaccurate items when I am continuing to send them the proof? This is 100 % against the regulations of the FCRA and now these items must be deleted immediately. 

Here is the main issue : Selene Finance XXXX XXXX is reporting this account as paid. 
XXXX is reporting this as 120 days late with a monthly payment of {$1800.00}! 

There has been no update on this account since XXXX of XXXX and does not even include an original amount or the required notice of dispute. How can I be 120 days late on an account that has been paid? The status must reflect this and there should be no monthly payment once an account is closed, let alone paid. How am I still paying on an account that is closed and paid? 

The secondary issue is that they are reporting this XXXX account that I was late on dates that I do not agree with and I know for a fact that they are not allowed to parrot what the creditor is saying, so my question is : HOW are they verifying these late payments on XXXX, XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX?! I can say with 100 % certainty that I was not late on 3 of those dates!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: CA

Complaint narrative:
AFNI contacted me saying that I supposedly owed a debt. 

Then another collection agency under the name of XXXX contacted me also saying that I owed them the debt. So basically they are trying to double collect. 

A few days ago I filed a complaint against XXXX and they said that the debt was completely removed and that they will not pursue it. 

AFNI never verified the debt and they are still showing up on my credit report? 

I sent them a few letters and they never validated the " so-called '' debt. 

I need them to remove themselves from my credit report and am asking for punitive damages for willfully neglecting to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: NV

Complaint narrative:
In XXXX and again XXXX my identity was stolen. In XXXX XXXX XXXX started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a 0 balance when stolen, the person ran up 1600+ worth of charges XXXX XXXX XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent XXXX police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called XXXX and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome

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