vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 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: WI

Complaint narrative:
I took out a loan with XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX  in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments inXX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: WI

Complaint narrative:
I took out a loan with XX/XX/XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.

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 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/18, I went to XXXX XXXX XXXX XXXX  to pick up dry-cleaning. I paid {$79.00}. When I walked my 4 minute distance home, I discovered that not only did they not fix my zipper, but they lost my pair of pants that were {$50.00}.

I went back there to bring up the fact that they didn't fix items that I paid for, certain things weren't dry cleaned, and my pants were lost. They told me that they gave me my pants, but it must have fallen on the ground when I was walking, but that made no sense. 

I filed a claim with my bank because these are not the services I paid for, and they lost my pants. My bank denied my claim.

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 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California
State: CA

Complaint narrative:
Last XX/XX/XXXX, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent account which I need to be deleted asap : COLLECTION CONSULTANTS ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent account from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Veteran trying to modify loan, started XX/XX/XXXX, was using XXXX XXXX XXXX benefits but amount is more since goes to school but bank wants EXACT! Have explained and fax and explained and email and still dont listen. Took of school va benefits and used XXXX  job pay stubs on XX/XX/XXXX changed the RMA form and faxed and emailed, always an excuse that cant read so emailed. On phone today XX/XX/XXXX for an hour, talk to rep at loss mitigation, then asked for supervisor was rude, so asked for someone higher, explained same information, was rude also, asked for someone higher left me on hold, re emailed again since keep saying fax no good! As a veteran, just trying to save home, this is the worst bank and is harrasment! So will keep complaining till someone will handle this account, veterans have resources but if bank can not read and rude reps something needs to happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: OR

Complaint narrative:
I was sent a collection notice by EOS CCA stating that I owed XXXX {$77.00} for a bill from years prior. I called both EOS and XXXX  for proof of such a bill and neither were able to supply me with documentation of what I was being charged for. The XXXX representative said they did not keep records after 2 years and were unable to provide me with the bill. I repeatedly called EOS for months requesting the documentation from XXXX and have yet to receive anything to this date. I will not pay a bill that can not be backed up by proof of service/no payment. Unfortunately, this has had a significant impact on my credit score as a result despite many attempts to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My name is XXXX XXXX. I am writing to complain about interest charges made by Santander Bank in the amount of {$34.00} interest rate charge assessed on my Master card # : XXXX on the last statement ( for the period ending XX/XX/2018 ). I do not believe I should have been charged that much according to the terms of the agreement we have. The balance I owed on the prior months statement was originally {$2800.00}, due by XX/XX/2018. I paid a total of {$2700.00} by the due date and the amount I paid posted to the account by XX/XX/XXXX. 

That left a balance owed of {$82.00}. That was the balance upon which interest charges, I believe, was supposed to accrue. I point to the written terms of our agreement ( found on the reverse side of every Mastercard statement from Santander Bank at page 2, left column ) where it states : Santander will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest free period. 

Therefore, under the plain meaning of the agreement, the interest rate on my account ( i.e., 9.74 % ) should have only been assessed on the amount still outstanding -- $ XXXXso that the interest was about XXXX cents a day so the total interest charge should have been about {$1.00} ). However, I was charged interest of {$34.00}! 

Clearly, I was charged interest on the amount that I paid while in the interest free period in contravention of the terms of the agreement we have. I called Santander bank ( i.e., Santander N.A.  ) on XX/XX/2018 ( XXXX ) and spoke with " XXXX '' who agreed the interest charged looked incorrect and that she would note the complaint and I would hear back in 5 days or so. I never did. I called again and was told the bank stood by their calculation, but no explanation was provided. 

I then wrote the bank at their address listed for disputes via letter dated XX/XX/XXXX and waited 2 weeks, but received no acknowledgment of my complaint. I flag this complaint to your office as I suspect this could be a standard practice whereby Santander may be padding its bottom line by encouraging staff to assess interest in contravention of their agreements on Mastercard accounts. 

The {$34.00} interest charge is too small for me to bother with a small claims court claim, so I kindly request your office to look into it if its within your jurisdiction to do so. Thanks so much. 

I think Santander was wrong under the explicit terms of our agreement and ask that you please again review the decision as I think there is human error or a misunderstanding here. Once you have reviewed the matter, please contact me to let me know the result.

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 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I have had a XXXX  credit card for years with auto payment for balance in full monthly. This month they decided to all of the sudden charge me a late fee and interest and claim that I've never had auto payment setup. They are trying to ruin my credit score by removing my auto payment in full and in an attempt to earn  additional interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from Experian. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX  ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX  XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX  ) XXXX  XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC 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 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collection Service Inc is in violation of HIPAA Privacy Violation. This collection agency did NOT provide me a HIPPA RELEASE that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA RIGHTS. 

I have requested for VALIDATION, NOT Verification from FRANKLIN COLLECTION SERVICE on XX/XX/18, XX/XX/18, XX/XX/18. 

On XX/XX/18 FRANKLIN COLLECTION SERVICE ON reply to my dispute letter, where they have violated my HIPAA rights sending me my medical information without providing me a HIPAA release form giving them access to my medical information. I have disputed with XXXX and XXXX five different times and they have yet take this extremely seriously As I have received a response from the collection agency that clearly violates my rights according to HIPPA. I have documented my case without error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ

Complaint narrative:
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted XXXX University closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that CONSERVE NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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 made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters, as well as submitted supporting documentation to prove that this account is a result of identity theft and fraud. Experian has refused to remove or " block '' the reporting information from my credit report. Experian removed the account for approximately 10 days in XXXX however, they reinserted the item in XXXX. I contacted the collection agency as well as the Experian requesting validation of date that includes a contract verifying my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. Experian has stated that they have " verified '' the account as valid several times although I have disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to Experian further Experian has refused to block or remove the account from my Experian report. which has caused turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
It's been a while since I submitted a disputed. However, the student loans were duplicated on my XXXX and XXXX   credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one Sally Mae account which should drop off in XX/XX/XXXX. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RUI Credit Services, Inc.
State: PA

Complaint narrative:
Today, XX/XX/18, I was contacted by this number and asked to identify myself. I asked who was calling me and the agent stated that because they were on a recorded line they could not divulge who they were or where they were calling from until I identified myself as the person they were trying to reach. I again asked who was calling me and where they were calling from. I was told, again, that the agent could not tell me until I identified myself as the person they were trying to reach. I told the agent that they called me, so they needed to tell me who they were and where they were calling from before I would confirm or deny my identity. Again, I was told that because they were on a recorded line, they could not divulge that information without me identifying myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: FL

Complaint narrative:
Capital one credit card i never got never applied and i told capital one and they told me they would send me a form but never did, i have tried several attemts to get resoved with them but its hurting my credit and chances to get better cretit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have had checking/savings accounts at J. P. Morgan Chase Bank since it was Washington Mutual. I paid all my bills electronically for years, but this year I began getting charged insufficient fund fees while having overdraft protection. 

Upon my investigation, I noticed Chase began deducting funds on the day I paid my bills instead of on the scheduled due date ( e.g. most bills arrived on the XXXX and weren't due until the XXXX of the following month ; but Chase deducted the funds when I entered them on the XXXX ). They claimed I needed to ensure I selected the " pay by '' instead of the " send by '' date. I ALWAYS selected the " pay by '' date. Also, when I checked the status of the payments they deducted from my account, they were all " pending. '' I was constantly transferring funds from my savings to cover the fees and funds they claimed weren't available due to their premature subtraction of " pending '' funds. I felt like I was hemorrhaging money and began ignoring their insufficient fund notices for bills due on the XXXX because my pension and SS checks arrive between the XXXX and XXXX of the previous month. 

I had to resort to paying bills via check or credit card. There's something very, very wrong with this practice. It seems that due to past bad acts, Chase is looking for any way to collect funds from its customers. If I hadn't set up alert notices, I may not have become aware of these insufficient fund charges. I wonder how many other Chase customers, as well as customers of other banks, have been deceived by this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This is in regards to my XXXX XXXX 's credit card. This was my first time ever dealing with them. I went into the store in XXXX to use a gift card from my husband. After getting my items, the sales clerk offered me a store credit card, which she advised me that theirs does NOT do a credit check. At check out, my transactions were handled by another clerk who processed my purchases and the application. I had to insert another major credit card which I believed was for verification of credit worthiness. I was approved and provided the information for my credit line. 
I have since noticed that there were credit inquiries made to multiple credit reporting agencies. 
I contacted XXXX XXXX 's card company, XXXX on XX/XX/18 to discuss my concerns. I was advised that the inquiry into my credit can not be removed even due to their sales person 's incorrect information. He only said he wishes the store sales people were trained better. This does not help my situation. I did have him pay off the balance and close the card as this is not a company I want to do business with that provides incorrect information just to get a sale. This is unethical sales practices. Consumers should be provided full and actual information at the time of account opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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: CA

Complaint narrative:
It's been a while since I submitted a disputed. However, the student loans were duplicated on my Equifax and XXXX credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one XXXX XXXX account which should drop off in XX/XX/XXXX. Please advise.

Company response to consumer: Closed with non-monetary relief