vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 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: TX

Complaint narrative:
The collection agency is reporting the collection account XXXX on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything

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 2018-05-22 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: TN

Complaint narrative:
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( TransUnion, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( TransUnion, XXXX, XXXX  ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.

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 2018-05-22 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: TN

Complaint narrative:
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, Experian ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, Experian ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.

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 2018-05-22 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: DISCOVER BANK
State: FL

Complaint narrative:
I have been having some issues with Discover credit bureau for a little over a year now. I reached out to them via email at their card member services website back in XX/XX/XXXX after I noticed that they had never reported any of my payments to them on my credit. I never received a response as well as after reviewing my credit again have discovered there was no action taken to report. My last payment to them was in XX/XX/XXXX for {$250.00}. I also spoke with a representative recently, on XX/XX/XXXX, about settling my account, In the conversation I asked the representative to email me a copy of the settlement agreement for my records, He advised me to make a copy of the conversation, confirmed my email address, and stated that they would email me the settlement agreement. The settlement agreement was never sent to me however. attached is the file i saved as a copy of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: VA

Complaint narrative:
Received an alert from Equifax, stating, I applied for credit from XXXX XXXX XXXX on XX/XX/XXXX. Contacted XXXX XXXX XXXX on XX/XX/XXXX, spoke with several individuals over 45 minutes. XXXX stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with Equifax on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. Equifax stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from XXXX XXXX XXXX and I need to contact XXXX. I contacted XXXX on XX/XX/XXXX, they said I need to contact Equifax to have it removed. Called Equifax again, informed them what XXXX said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact XXXX, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with Equifax and XXXX XXXX XXXX requesting the hard inquiry be removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had 2 checks for {$1600.00} sent to Capital One in XXXX from XXXX XXXX XXXX, XXXX of AL. 

Capital One received and deposited the checks but failed to give me credit for said payments. The XXXX check was deposited on XX/XX/XXXX and the XXXX check was deposited on XX/XX/XXXX 

I have sent proof to Capital One and to XXXX, XXXX, and XXXX  by certify mail several times and Capital One has denied receiving said proof. 

Capital One sent me a letter requesting that I submit proof within 30 days and my attorney fax said proof within the requested time period and they denied receiving it. 

Capital One actions has caused me serious harm in that I am a senior citizen on a fix income and has caused me stress, lowered my credit score, especially showing my account with them as a charge off when in fact I have doubled payed them, I lost lines of credit, pay higher interest rates, and I been denied the opportunity to get into a retirement facility, and I have been refused additional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My car was reprocessed on XX/XX/XXXX and I contacted 5 Third Bank on XX/XX/XXXX. I never received a phone call or an inquiry as to any past due balance on my account. I contacted 5 Third Bank and I was told that I had missed a payment in XX/XX/XXXX which was over two years ago. I have made consistent payments of XXXX dollars for the last 6 years on my account online from my XXXX XXXX account online and have made consistent payments that posted on the same day of the month. Not only have I made additional payments of the loan, I called and spoke representative to inquiry about my balance and they always stated that they send me my payment history rather then going over my account over the phone in regards to the payments made. I requested several times to speak with executive relations department about my balance and account and I constantly get transferred or disconnected. I had an issue in XX/XX/XXXXof an illegal reprocession and I was never contacted that I missed any payment on my account. The bank claimed that there was a ceased and assist on my account and I requested the recording of such requests since I never requested no contact on my account. I was also told when there was a reprocession on the account that there was no updated telephone number on the account. I gave them my contacted telephone number and I have never missed any consecutive payments other than there was one partial payment in XX/XX/XXXX and I have made XXXX monthly payments for six years. I was given incorrect information and the bank refused to go over my account. Not only was my car reprocessed the second time, I was not given any paperwork from the agent when I obtained my car and I was told that I will receive a notice within 10 days. I spoke to a representative on XX/XX/XXXX and I was told that there was XXXX balance due and I made a payment for XXXX dollars to retain my car and I was that it was payments from XXXX-XX/XX/XXXX. I made a XXXX. payment on XX/XX/XXXX and I being charged for late fee, repo fees and additional fees by third party company and I being denied complete records of my account and constantly getting nasty rude and unprofessional customer service representative who given incorrect information and payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I was in the Trial Payment Plan for a Flex Modification with Seterus when XXXX XXXX issued relief options due to Hurricanes Irma and Harvey. My property was effected by Irma. I contacted XXXX XXXX XXXX 's office at XXXX XXXX and was told that Flex Modifications were included under the relief options. When I contacted Seterus to begin the 2nd and 3rd payments, I was told I no longer was eligible for the Modification.

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 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I purchased a car for {$14000.00} from XXXX XXXX over 4yrs ago. With my trade-in and cash down payment knocking off {$3000.00}. My payments we're {$380.00} per month. Santander charged me an extra {$8.00} daily in loan fees plus late fees of {$20.00} per late payment. I requested that my loan be rewritten and they said no. I'd have to refinance through someone else. My bank refused to refinance the loan because they said that the price higher than the value of the car. Santander has been calling my reference numbers speaking with third party individuals regarding my personal finance information with their company closed the account without notifying me in writing and put that I owe more than what my contract shows placing this information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I tried to buy four XXXX XXXX basketball game tickets for {$420.00} on Saturday XX/XX/XXXX using XXXX with XXXX in my JPMorgan Chase Mobile cell phone app. the seller gave me their email and I confirmed the email with them and transferred the money. the seller/recipient explained that they did not receive their money. 

I called my bank, Chase, and had them try to cancel the pending transaction after a half an hour, the same night, after having the recipient check their junk mail folder. i was told since the transaction was pending and there was nothing the agent could do, and to call Chase support back on Monday. I called on both Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. the transaction cleared on XX/XX/XXXX.

i called Chase bank support tuesday morning XX/XX/XXXX and was told that since i used XXXX with XXXX and that it was a third party service offered by Chase Mobile that my bank, Chase, could not do anything to guarantee my money back. they offered to open a claim with XXXX but could not guarantee my money back. 

after not hearing back from my bank, Chase, i called them on XX/XX/XXXX and was told the case was closed but had a case with XXXX open. i was told if the recipient tried to take the money from the receiving account that the account would be suspended and that i would get my money back -- but was also told this was a very slim chance that it would work. 

JPMorgan Chase bank offers a third party way to pay someone without any protection for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that is not mine. This is a result of identity theft and not mine, I have never had XXXX or cable service at all ... Please check your records and remove from my credit profile or I will have no option but to handle this in small claims court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Received an alert from XXXX, stating, I applied for credit from American Honda Financial on XX/XX/XXXX. Contacted American Honda Financial on XX/XX/XXXX, spoke with several individuals over 45 minutes. Honda stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. XXXX   stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from American Honda Financial and I need to contact Honda. I contacted Honda on XX/XX/XXXX, they said I need to contact XXXX  to have it removed. Called XXXX again, informed them what Honda said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact Honda, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with XXXX and American Honda Financial requesting the hard inquiry be removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. XXXX and Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: GA

Complaint narrative:
I'm currently Battling XXXX and have not been able to work. I Filed for an INCOME BASED repayment plan. Received a notification that based on my income I had no payment due until XX/XX/XXXX. A month later I started getting " late payment " notifications and also started getting different due dates and amounts due???? Now I have started to get calls from every fake student loan forgiveness site in the US? Wondering how they got my private number when the only place I ut the information was on my application to the US Department of Education ( who forwarded it to Navient )??? Would like for Navient to honor what they sent me. No payment until XX/XX/XXXX. This will allow me time to fight my XXXX and hopefully get back to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans
State: SC

Complaint narrative:
The RSVP I took this out on or about XX/XX/2018 in the amount of {$3000.00}. Before my hardship, I paid your firm faithfully {$230.00} bi-weekly. I called to see if they could help me before I defaulted on my loan. NO remedy besides you can make partial payment but then you have to pay the upcoming installment payment. I can no longer make that payment. I tried negotiating a payment plan, but their offer was unreasonable. They told me that they couldn't apply the payments I made to date to my balance and their payment plan was you have to pay initial payment of {$230.00} and then the remaining balance in 2 weeks. Also the rep stated she could see if they could extended until 30 days. I told her I'm unable to pay that. The amount principle that was applied each time to my loan was approximately 18.00.

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 2018-05-22 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
The account with BPPR XXXX XXXX should not be on my credit! This was a mortgage that was included in my Chapter XXXX Bankruptcy in XXXX and was discharged. The original creditor was XXXX XXXX XXXX in which BPPR XXXX XXXX somehow obtained the account from. XXXX  is in clear violation for allowing this debt to be reported delinquent after it was discharged in a bankruptcy AND due to the fact the debt was cleared in XXXX, this is way passed the allowed 7 years to report to my credit report. 
One, it is illegal to repot this debt beyond the 7 years allowed per federal guidlines and two, the was discharged through a Bankruptcy so Banco Popular should not be reporting any balance. 
I attempted to have XXXX investigate and remove this on their own but they came back with it is staying on the credit as is. Attached are the bankruptcy docs showing XXXX XXXX ( original mortgage then transferred to Banco Popular ) being included in the bankruptcy.

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 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I received a letter from XXXX XXXX that I had not paid the bill for the XXXX XXXX. XXXX XXXX is in bankruptcy. I had not received a bill by mail or email. I immediately paid the bill over the phone on XX/XX/2018.My credit score has gone from XXXX to XXXX. I want an this fixed and my credit score up to  XXXX. I have contacted XXXX and I have file a complaint with Wi consumer protection and the tell me they forwarded case noXXXX to you. I di receive a letter from XXXX XXXX   that I have XXXX balance but that does dot take. Are of my credit score. I also see they have many complaints against them

Company response to consumer: Closed with non-monetary relief