vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: NH

Complaint narrative:
I have an account from a debt collector named XXXX XXXX XXXX that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX  and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: OH

Complaint narrative:
I would like to request the removal of my Credit Freeze from all 3 credit reports Innovis, XXXX XXXX and XXXX XXXX. I am in the process of buying a home and I need access to my files asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date below, but when I reached out to you, you changed it late from XX/XX/2017 and you place it on XX/XX/2017. 

It was late XX/XX/2017 and now it shows that it was late XX/XX/2017 - that's strange? 

I am not sure how this happened, or how your can your company make this error ... And I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$200.00} to a seller that was selling shoes and clothing through an instagram account. 

I made the payment using XXXX by XXXX on the Chase XXXX and assumed, since the option was in the Chase XXXX itself, it would be simple enough to have the payment canceled if I ended up getting scammed. 

After I sent the seller my payment, he blocked me on XXXX, meaning I could no longer contact him whatsoever. I tried contacting the seller about the scam on 4 seperate XXXX accounts, only to have them all blocked as well. 

The following day, XX/XX/XXXX, I called my bank to see if there was anyway for them to cancel my payment, but according to them there was nothing they could do, and using XXXX was the equivalent of handing the seller cash. This took me by surprise as I thought XXXX would have had a strong connection with my bank and a strong protection program, considering the option to pay was right in Chase 's XXXX, but apparently I was wrong. 

I'm XXXX XXXX XXXX and I really don't want to get into a huge law enforcement mess, as I'm pretty sure that will cost me more money than I'm trying to get back and a lot of stress, all I want is my {$200.00} back that I assumed would have been protected by my bank. 

The sellers XXXX account XXXX ( that's two underscores ). 

Thank you for taking your time to hear my concerns, and I really hope to hear back from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I began making payments on my student loan in XXXX and have not missed or been late on a single payment. I set up autopay in XXXX and have continued using autopay up until today - same bank, same account. 

For no reason that I can discern, my XX/XX/XXXX autopay failed to debit from my bank account. This has never happened before. This was not due to insufficient funds or to any action taken on my part. 

I received an email notifying me of my " missed '' payment, and promptly logged into my account. As a result of this " missed '' payment, I noticed ( but was never notified ) that I lost the 1 % on-time customer interest rate reduction that I had earned for making my first 48 loan payments on time. 

I just called Nelnet to get them to fix this. After spending 47:03 on the phone, as well as paying the " missed '' XX/XX/XXXX payment, they said they can't do anything about this issue, and will " look into it. '' I was told " someone will probably call you back in 3-5 days. '' I smell a rat. The mistake was made on their end, and serves their purposes. 

Is Nelnet purposefully " missing '' a payment from on-time customers so that it can quietly take away their 1 % interest rate reduction, and then attempt to drown them in a sea of bureaucracy when ( if ) they notice and complain? 

Class action lawsuit? 

Expecting resolution of this matter, along with apology, as well as restitution, immediately. 

Sincerely, [ redacted for purposes of publication ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX and today ( XX/XX/XXXX ) I received calls/messages and spoke with someone for XXXX XXXX threating a suit for fraud. The language and demeanor is very threatening.

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 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The collection agency sent me letters stating they purchased my original debt and are asking for payment. I responded to them stating I had filed bankruptcy and there was no way they acquired this debt as it was being paid back through my Chapter XXXX bankruptcy. They refuse to remove their accounts from my credit reports or acknowledge that the accounts were handled under my bankruptcy. The collection agency continues to damage my credit files even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A federally funded financial institution ( Wells Fargo ) setoff funds from my checking account to pay a balance on closed credit card account issued by the same bank without authorization. They stated they could do this based on an agreement I signed when the checking account was opened. I have disputed I signed such an agreement and they are refusing to provide a copy and/or have refused to reverse the setoff.

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 2019-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I got this loan in XXXX from Associated Bank, it was pose to be a 10 year loan, but its a 30 year, the banker and mortgage company who done the loan was on the news for fraud I looked in to my loan about XXXX ask to refinance, the banker told me I wouldnt be able to refin in about a year, but I always get the run around, over and over, come to find out the value isnt in the home, which I looked into more and the value was never in the home I got the loan with a XXXX credit score with the amount of XXXX my interest rate is at a 12.2500 % which is very unrealistic at this current day in time. and it seems like its nothing I can do they never gave me my original paperwork its been a tough situation dealing with them, and I have paid them for the loan already, at this point its like highway robbery. No one is being held accountable for me getting played by 2 of their workers and Im just feed up with them. It just a pure embarrassment how I let these men play and Prey on me, if I would have know better I would have done better. Can you please help me to get a resolution, Im tying to find me a lawyer to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/2018, I received a bill in the mail for my credit card that was maxed out. That's when I noticed it was stolen ( as it originally had a XXXX  balance on the card ). I called Discover to notify them of my card being stolen and made a fraud report. The transactions total over {$4000.00}. Discover held an investigation since this time, but is still reporting me liable for these charges. I have provided numerous documentation to help support my claim from police reports, to phone records, to identity theft documentation, etc. I would like help in resolving this matter as I don't feel it's fair for me to make these payments on transactions that I didn't make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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: TX

Complaint narrative:
Experian, I have been having a major problem regarding Experian Credit Report Agency not completed the investigation accurate and I have requesting in writing the items be deleted based upon the credit bureau 's lack of compliance with the Method of Verification Process. I have disputed this account over 20 or 25 times since XXXX. 

i have sent them method of verification on XX/XX/XXXX and they did not even investigate at all. 

the creditor keeps changing the date of remove in the status detail area..

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 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Alliance Credit Services, Inc.
State: CA

Complaint narrative:
I tried to settle with XXXX XXXX and the company shut down there was a few times I tried to contact the finance company and no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one called the company asked about the 0 % interest disclosure it is not included on the statment on purpose it posted internally on the company computer when you call them. 

I asked for the interest posted t be disputed they declined told me could write to their general corresponsdence mail box via fax XXXX They did not feel like this was a scam, disagree

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The collection agency sent me letters stating they purchased my original debt and are asking for payment. I responded to them stating I had filed bankruptcy and there was no way they acquired this debt as it was being paid back through my Chapter XXXX bankruptcy. They refuse to remove their accounts from my credit reports or acknowledge that the accounts were handled under my bankruptcy. The collection agency continues to damage my credit files even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX, Lexis Nexis and XXXX XXXX. I am in the process of buying a home and I need access to my files asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX, XXXX XXXX and Sage Stream. I am in the process of buying a home and I need access to my files asap.

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 2019-04-08 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: IL

Complaint narrative:
I started an investigation into the collections account that has mistakenly been sent to collections in my name ( the debt was never mine, the VA approved my ER visit and the hospital was aware that the debt was not mine, but they billed me anyway and I wasn't aware of the debt until XXXX of 2018. I contacted the VA and they informed the creditor how to pursue the debt with the VA, they ignored this and just resubmitted the claim to a different collections agency six months later. 

Transunion did a quick investigation and concluded the debt is accurate. There is no indication if the information I submitted with the initial dispute was ever received or viewed and the company makes transparency in the process non existent. I informed them of the entire situation in the dispute form I submitted and there was absolutely no reference to it anywhere that I can observe. 

This situation has caused me financial distress that could result in tens of thousands of dollars over the life of loans I am currently purchasing. I worked incredibly hard to establish an excellent credit rating and this has contributed to my rate plummeting.

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 2019-04-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Dear CFPB and XXXX representative, This complaint is a follow up to unresolved issues from 2017 filing to XXXX XXXX. XXXX 's mishandling of the account is a huge violation of the Fair Credit Reporting Act, and I urge the CFPB to take a cautious look at XXXX Credit Card actions backed by XXXX. Numerous consumer sites detail the fraudulent activity by the company in opening accounts, moving money around, restricting access and ruining consumer credit. This needs to be put to an end with an acceptable resolution. Legal action should follow if consumers are not granted an acceptable and prompt resolution. Further information in the attached word document. Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TN

Complaint narrative:
Cbna made two unsolicited hard inquiries on my credit on one day. It dropped my rate by 41 points. This is completely unwarranted.

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 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2019 at XXXX, my young daughter received a voicemail from a XXXX XXXX with XXXX XXXX XXXX , & XXXX XXXX XXXX XXXX XXXX telephone number XXXX. The voicemail stated I had listed my young daughter as a " point of contact '' for a GE Capital Bank/JC Penney account ( false claim ). The gentlemen referenced an account number of XXXX. I have never given my child 's number to any such company as a point of contact for me. I received the first letter concerning this in the mail on XX/XX/2019 ( dated for XX/XX/2019 ) demanding Final payment by XX/XX/2019 in the amount of {$2500.00} in order to " avoid suit ''. I have not received any other calls or correspondence from this company. 
Furthermore, I have written a letter to this company and will it mail certified letter disputing any such debt. I do not currently hold a JC Penney account nor have I ever charged this outstanding amount on a credit card with them. I utilized a Consumer Protection lawyer in XXXX TN several years back ( XXXX XXXX ) who assisted me with some 3rd party debt collection unfair practices. This appears to be the same thing again.

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 2019-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Told dealership I am pre-approved with XXXX XXXX and asked if they could submit my info to XXXX XXXX only as I do not want multiple inquiries on my credit report. They said that would not be a problem. This was on XX/XX/19. I got an alert XX/XX/19 that the dealership submitted info to other creditors. Three times I demanded not to have my info submitted anywhere else and three times I was told it would not be. XXXX the finance manager calls me back and says the rep was trying to help me get a lower rate and now he is the villain for trying to help out. She mentioned that she can't read his mind and doesn't know what made him do that. He is your employee, how about ask him why he went against the word he gave me. She said if he would of gotten me a lower rate that I would be happy but since he couldn't he is the villain. I explained this is not about help, this is about you telling me you are going to honor my wishes and then completely disregarding what I said and doing what you wanted to do. I told her to remove the inquiries outside of XXXX XXXX and she states we already submitted the information and we cant remove them and that she doesn't know how. A professional would apologize and see what they could do to correct their mistake. If you do not know how then ask your manager or their manager until you find the solution.

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 2019-04-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Told dealership I am pre-approved with XXXX XXXX and asked if they could submit my info to XXXX XXXX only as I do not want multiple inquiries on my credit report. They said that would not be a problem. This was on XX/XX/19. I got an alert XX/XX/19 that the dealership submitted info to other creditors. Three times I demanded not to have my info submitted anywhere else and three times I was told it would not be. XXXX the finance manager calls me back and says the rep was trying to help me get a lower rate and now he is the villain for trying to help out. She mentioned that she can't read his mind and doesn't know what made him do that. He is your employee, how about ask him why he went against the word he gave me. She said if he would of gotten me a lower rate that I would be happy but since he couldn't he is the villain. I explained this is not about help, this is about you telling me you are going to honor my wishes and then completely disregarding what I said and doing what you wanted to do. I told her to remove the inquiries outside of XXXX XXXX and she states we already submitted the information and we cant remove them and that she doesn't know how. A professional would apologize and see what they could do to correct their mistake. If you do not know how then ask your manager or their manager until you find the solution.

Company response to consumer: Closed with explanation