vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc.
State: CA

Complaint narrative:
American First Finance took {$100.00} out of my account without authorization, or without a notice of charges being taken out. The money was also taken out past business hours so I was unable to call on XX/XX/XXXX. When I called on XX/XX/XXXX and tried getting the issue resolved they said they had no supervisors on duty as it was Sunday so they all take the day off, I would have to call back tomorrow morning. This needs to be resolved and doesnt seem like a legit operation if there are no supervisors present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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:
I submitted disputes to XXXX and Experian two of the three credit reporting agencies to let them know that these accounts of bankruptcy in the public reports se action of my credit report were not mine and they stated that they completed an investigation and stated these accounts were verified as mine and I asked for proof of these investigations and how these investigations were conducted and verified in which they failed to do without going to a courthouse that these papers were claimed to be filed in. so I would like these accounts removed from my credit reports from these agencies at once.

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 2019-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,  you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have made several formal written request to Portfolio Recovery regarding two collection accounts that can not be validated. They are in the amounts of {$1200.00} and {$600.00}. the original creditors are XXXX XXXX and XXXXXXXX XXXX. My last dispute was in XXXX of 2018. They have not been able to provide me with any type of signed document from the original creditors showing that I owe this dept. This is required under the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Also they are still reporting every month to my credit report witch under the 611 ( 5 ) ( A ) states that if they cant provide me this information they must Promptly Delete It. I feel like unless I am going to take them to court, they can do whatever they want and theirs nothing more I can do. Please Help me with this,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - T, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2019-08-11 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: FL

Complaint narrative:
I previously notified XXXX XXXX XXXX XXXX on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.

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 2019-08-11 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: FL

Complaint narrative:
I previously notified XXXX XXXX XXXX XXXX on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.

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 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX-XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy : Bankruptcy Rereference number : 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 explanation
Consumer complaint received 2019-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2019-08-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I made a purchase using my USAA Cash Rewards Credit Card of {$630.00} on XX/XX/2019. I had a promotional balance of {$3000.00} with an APR of 0 % at the time of the purchase. On XX/XX/2019 I made a payment of {$870.00}. This payment was applied to the promotional balance, and only {$69.00} was applied to the purchase, with the remainder being subject to a 15.15 % APR. This appears to be in violation of Section 104 of the CARD Act of 2009. The payment should have been applied fully to the amount subject to the higher interest rate, and then to the balance with the 0 % interest rate. The company responded that payment allocation can not be changed, and that the balance will continue to accrue interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Using my Chase Freedom Unlimited credit card, I purchased two XXXX XXXX   XXXX on XXXX on XX/XX/XXXX. I ended up getting a better deal and returned the phones to XXXX on XX/XX/XXXX, they were delivered on XX/XX/XXXX. At the end of the month I noticed that I was not credited for my return and I contacted XXXX in regards to this. XXXX claims to have never received the phones despite USPS tracking saying that it was received. I contacted Chase to dispute this transaction and provided the tracking information. Later, Chase called me saying that I had 1 hour to provide additional tracking information or else the dispute would be closed. This was not enough time and I was informed that I would be able to provide more information and re open the dispute. I contacted USPS and they confirmed that XXXX was in possession of the items, when I provided the information to Chase, initially they said this should be enough. Then a few days later Chase told me it was too late, too much time had passed, despite them never telling me about any deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a victim of the XXXX college scheme and i was enrolled at the time of its closure. All my my loans were discharged and should be due to not completing the program due to its closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
Since I was in the process of buying a house I agreed to work with Lexington Law to help me improve my score. 

I was contacted by a paralegal, XXXX as I went over several things with her of what we needed to do, however, it was going to be difficult to pay the fee of {$100.00} each month. She said she had a smaller plan and she would let me know what it would be. She said nothing was going to happen until XX/XX/XXXX when my payment was paid. 

They charged me {$14.00} to pull my credit report on XX/XX/2019 to review and see what needed to be done. I told her I was working with a Mortgage company and they requested that I remove any Disputes on my credit report. Too late ... ..they had already filed 2 disputes to the bureaus. I was not aware they had done this and I called the 3 bureaus to remove disputes and the creditors changed how these were reported and it caused my credit scored to drop 35-70 points across the Credit Bureaus. 

They charged me {$55.00} on XX/XX/XXXX for a smaller plan which I have no idea what that means and I disputed it on my credit card. They didn't do anything but file these two disputes which have ruined my credit so I feel that I do not owe them anything. 

They do not listen to their clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have made several formal written request to XXXX XXXX regarding two collection accounts that can not be validated. They are in the amounts of {$1200.00} and {$600.00}. the original creditors are Capital one and XXXX XXXX. My last dispute was in XXXX of 2018. They have not been able to provide me with any type of signed document from the original creditors showing that I owe this dept. This is required under the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Also they are still reporting every month to my credit report witch under the 611 ( 5 ) ( A ) states that if they cant provide me this information they must Promptly Delete It. I  feel like unless I am going to take them to court, they can do whatever they want and theirs nothing more I can do. Please Help me with this,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: FL

Complaint narrative:
i attended XXXX university back in XXXX, i received a loan from Great Lakes student loans. i took off one semester when i tried to re-enroll the school was closed no more XXXX College at the time i didn't think to much of it until XX/XX/XXXX when XXXX XXXX , XXXX garnished my entire income tax. The FDCPA protect consumers against pre-judgement garnishments. Also seeing as though the school closed in XX/XX/XXXX and my entire income tax was garnished on XXXX XXXX if the school was already closed then the collection agency should have known, thus information should have been provided via letter, email, phone call, etc no attempts were made to contact me. i feel this has been a very unjustified way to do business by the Federal Government and its education branch im am seeking to recover my refund and plan civil suite for damages in the amount of {$10000.00} plus the {$5200.00} that was garnished do to fraudulent practices and misrepresentation of the truth

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2919 a fraudulent application was submitted for a Synchrony-XXXX  XXXX store credit card. I was notified via my fraud protection services and I immediately notified Synchrony and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. 

Initially when contacting the Synchrony Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days. 

On XX/XX/2019 I made a 2nd call to the Synchrony Fraud Team, and I was informed it would be removed in an additional 45-days. 

On XXXX-19 I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days. 

On XX/XX/2019 I again called Synchrony and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail. 

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.

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 2019-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Xtreme Products LLC
State: FL

Complaint narrative:
I tired goin to this school for 30 days and witness all types of fraudulent and XXXX  activities going on i.e getting anyone off the street basers bums homeless people just to sign them up and get the funds from the government .... I then moved out of state which was the addition reason I left the school years later I received documentation stating that these people have received over 3,000 + dollars in student loans that I never received or cashed a check for or anyting I've called they've given me XXXX stories for weeks at a time and they're trying to tell me now that is Under New Management so they don't have anything to do with what was going on when I was there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I called in to dispute a late charge fee at U.S. Bank because I was not aware that I had missed a payment due to the fact that i had been unable to access into my acc. Earlier before, I had been granted access by a different agent into my acc. After, reviewing my account, i called and spoke with XXXX who was the first agent i spoke to dispute my charge and she attempted to make me believe that a fee could only be disputed after a payment had been posted. Therefore, if the payment showed pending, she would still not be able to do anything. She then only pressured me to make payment ( disregarding my request ). I was willing to make the full payment but i found this rationality odd. I then thanked her for her customer service and called back again. At this point, I'm speaking with XXXX who informed me that a reversal had been made on XXXX which is why she could not grant me this request. I then chose to request to speak with her Supervisor " XXXX '' but he too denied my request. He never recognized the fact that i had not been receiving the bills or that i had been blocked out of my acc to which i had just been granted. Very poor customer experience. I will be paying the XXXX XXXX dollar debt and ending my relation with this bank. I would however appreciate any help about the late fee ( its bad enough that my credit is affected due to a glitch error ). Yes, i could have called before but i was not aware my account was not up to date.

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 2019-08-11 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
This company reported to the credit bureau a 30 day late payment when there has never been a 30 day late payment. In addition, they said I had a late payment this month. They never attempted to debit the payment, instead they deposited the payment amount into my account. After 3 hours on the phone and several transfers, being hung up on, etc. they still could not solve the problem. One of the most corrupt and incompetent companies I've ever interacted with.

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 2019-08-11 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:
The credit bureaus are reporting erroneous information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA failed to auto-debit from my personal BBVA account that pays my BBVA mortgage. I have had this auto debit setup with BBVA since XXXX. Nothing has changed on my accounts. This is the second time BBVA had a failure to auto debit from my accounts. Current incidient happened in XX/XX/XXXX when BBVA failed to auto debit my account to pay the mortgage which was noted as a mistake CAUSED by BBVA. It was a known mistake by BBVA bc letters were sent to customers apologizing for failure to auto-debit. This is an issue bc BBVA automatically sent my " failure '' to pay to collections. Since this is BBVA 's mistake, BBVA will need to send a letter to collections and take appropriate action to reverse the damage to my stellar credit score. I have tried multiple times to discuss this with BBVA and they said they can not help me. I am extremely frustrated. Please help. Thanks!

Company response to consumer: Closed with non-monetary relief