vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
A few years ago i noticed this account pop up on my cbr. I moved to a different state about that same time so i figured maybe i didnt revieve any notifcation because of this move. I contacted to debt collector to update my address and also requested the final billing from the original creditor. The amount of the debt seemed to be very high. After about 45 days or so i disputed this directly throught XXXX and XXXX  because i never recieved the information i requested. I still have not recieved validation of this debt. It is also not appearing as " disputed by consumer '' on any of my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
On XX/XX/XXXX I called 21st Mortgage Corp. to see if my check # XXXX {$390.00} was received for my XX/XX/XXXX mortgage payment which I sent onXX/XX/XXXX with first class stamp in their envelope and payment stub. I was told to wait a few days to see if it showed up. I was then called by the person I spoke with ( XXXX XXXX ext. XXXX ). that my check was not received and that I could either make a payment over the phone or wait. This has happened two times previous that my checks were not received and my account was delinquent which affected my credit. I made the payment over the phone and stated that if check showed up to contact me and or return the check. Neither occurred, on XX/XX/XXXX I noticed a second withdrawal from my bank account. I called the person to ask why the check was deposited and he said he had no control over this situation. I am on a fixed income and had to make arrangements to recoup from the additional costs As stated before this is the third time this has occurred, and it should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
This is a claim from an unknown source for services performed in  XXXX ,  2015  at  XXXX   XXXX   XXXX   XXXX .   Account :  XXXX  Amount for services {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
In XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through Honda Financial Services. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. Honda Financial Services did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called HFS to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to HFS to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and HFS ' discretion to remove these from a consumer 's credit report, yet in this case HFS was completely unwilling to assist. I am about to apply for credit to purchase a home, and HFS ' report has reduced my credit score to where my interest rate will be higher than it would have been without HFS ' report. I have made every HFS payment on time for over three years now, and the one time that  there was an issue, it was not my fault. Yet HFS is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by Honda Financial Services before it costs me thousands more in interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On Saturday XX/XX/XXXX, I received a text alert from Citibank asking if I was trying to make a certain charge on my credit card. I responded NO and was directed to call a certain phone number. On the ensuing phone call, the agent informed me Citbank would be closing the account because of this fraud and sending me a new card. <P/>The following week, I was able to login to my account online and see that there were additional fraudulent charges. I contacted Citibank and informed them of this additional fraud. <P/>1 )XX/XX/XXXX XXXX USD XXXX CA {$320.00} Reference # XXXX 2 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX 3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX I have made repeated phone calls to Citibank over the past 3 months. I was told at first that they were investigating these charges and not to pay these amounts or any related interest charges as they would all be reversed at the end of the investigation. I was more recently told on at least 3 occasions that these charges would be removed from my account and I would see the credit on my next statement and the credit would not appear on my online account until the statement had been run. I have now received my 3rd statement that was supposed to have these charges removed and the charges remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have tried to get pay pal to delete my old checking account information and replace it with my new bank account information ... they refuse saying that I opened the account with my old checking account info as my primary. I have explained to them that it is normal in the course of several years to switch bank accounts. So now they are charging my transactions in which I am unable to select the account myself automatically to my old checking account. I have been charged 5 NSF fees in the amount of {$35.00} each. I tried to call to have this resolved and spoke to 3 different people. The last was an escalation rep XXXX that told me since XXXX XXXX covered the charges I must have had the money in the account. I tried to explain to her that yes, they paid it but they charged me a fee for doing so. She refused to assist any further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through XXXX XXXX XXXX. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. XXXX XXXX XXXX did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called XXXX to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to XXXX to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and XXXX ' discretion to remove these from a consumer 's credit report, yet in this case XXXX was completely unwilling to assist. I am about to apply for credit to purchase a home, and XXXX ' report has reduced my credit score to where my interest rate will be higher than it would have been without XXXX ' report. I have made every XXXX payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet XXXX is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by XXXX XXXX XXXX before it costs me thousands more in interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through XXXX XXXX XXXX. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. XXXX XXXX XXXX did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called XXXX to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to XXXX to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and XXXX ' discretion to remove these from a consumer 's credit report, yet in this case XXXX was completely unwilling to assist. I am about to apply for credit to purchase a home, and XXXX ' report has reduced my credit score to where my interest rate will be higher than it would have been without XXXX ' report. I have made every XXXX payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet XXXX is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by XXXX XXXX XXXX before it costs me thousands more in interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: GA

Complaint narrative:
I 'm complaining about Credit bureau Transunion. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and everytime someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Transunion about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report : XXXX XXXX ( X/XX/17 & X/XX/17 ), XXXX XXXX XXXX XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX XXXX ( X/X/17 ), XXXX ( X/XX/17 ), XXXX XXXX-Credit card ( X/XX/17 ). <P/>Second dispute with Transunion was two public records ( bankruptcies ) on my credit report. I spoke with a customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the two public records again with Transunion and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer service rep and he stated that Transunion never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Transunion, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Transunion need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a 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 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX / XXXX /   17  Hi, my name is  XXXX   XXXX . My Capital one 360 checking account has failed to send  XXXX   ( App )  my updated copy of my bank statement. I am not able to recieve funds from the app without it being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
A double payment was taken out of my account and I have been trying for two days to have Loancare reverse the payment. They give an estimate of a week before they will return the payment that was their mistake due to computer issues they had this weekend. I am not the only customer in this situation and it would be helpful if they returned the payment in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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:
My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on Experian is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On  XXXX / XXXX / 16 , I had a   XXXX   XXXX   XXXX   XXXX   XXXX   and was billed {$210.00} from  XXXX   XXXX   XXXX   XXXX . I have paid {$20.00} per month to pay down this debt which should now be a balance of {$140.00}. I received a notice from  Transworld Systems Inc. Collection Agency on beha lf of  XXXX   XXXX   XXXX   XXXX  for {$190.00}. Not only is this the wrong amount, a collection agency can damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX demanding verification of accuracy of the accounts and these companies only sent back letters saying it is verified but NEVER sent back any files that actually verified the accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been making the minimum payment on this card ; however, the creditp r (   XXXX    XXXX    XXXX   ) ha s been reporting my account late from  XXXX  2017-  XXXX   2017 . I was not notified nor did I receive any correspondence of the account being late and their is no reason I should have considering the payments were being made on time.   XXXX  Upon disputing the inaccuracy the comany only sends letters stating the reporting is accurate ; however, they will not provide me with any documentation stating that it is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Within the la st three mont hs, I have been attempting to co-apply for financing. In reviewing my credit reports with the  XXXX  agencies, I have discovered  XXXX  public records of Tax Liens on my report.  XXXX  is a federal lien, as recorded by the  XXXX  County Clerk 's office, in the amount of {$12000.00} on  XXXX  ( joint lien ), and the other is a state tax lien ( West Virginia ), recorded in the  XXXX  County Clerk 's office in the amount of {$3100.00} on  XXXX . These are NOT my liens, as confirmed by the IRS and state tax authority - it is a person of same name, but not my social security number. Both  XXXX  and  XXXX  have removed this misinformation from my report, but Experian has NOT. I had Experian admit to me, on a recorded phone line, that they do NOT CROSS CHECK SOCIAL SECURITY NUMBERS! This is outrageous and unacceptable, and this is negatively affecting my credit, and causing me distress and an inability to obtain credit and/or loans and mortgages. I have filed a complaint with Experian, and they said they will take up to 30 days to investigate. Again, unacceptable. I ask for your assistance with rectifying this situation with immediacy. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28 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: GA

Complaint narrative:
Equifax continues to say they are still verifying through this company which is incorrect and untrue. I also received information from Equifax advising XXXX is reporting correctly and that is untrue. They were REMOVED from my report on XXXX/XXXX/XXXX and placed back on XX/XX/XXXX. Now XXXX is BACK ON MY CREDIT REPORT. The accounts were disputed, but they will not do any investigation about these issues. Per The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. According to FCRA 611 ( 15U.S.C 1681I ) Certification of accuracy of information. if any information has been deleted from a consumer 's file, the information may not be reinserted by the consumer reporting  agency. if any information has been deleted from the consumer 's file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This has not been done AT ALL. The credit bureau has not verified any information nor did I receive any documents that XXXX would be placed on my file let alone reinserted. Please review and help me get the resolution that is justly needed in order to clear my name and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Experian stating that they were not reporting a credit card that I 've had for about a decade, which has been used every month and which has been paid in full every month. <P/>Last week I received a letter stating that they have resolved the issue. However, on the form they sent me, the credit card ending in XXXX still does not appear. I assume that this will continue to effect my credit report with them, as it would suggest that I have n't had any credit history in several years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Leading Edge Recovery Solutions, LLC
State: NY

Complaint narrative:
At leas t three times  a day, I receive a robo call from this phone number stating I owe a debt. Initially I contacted the phone number back and was told I owe a debt - they would not tell me who the debt was with and demanded me to pay it over the phone. I told them I did not owe any debt and to mail me whatever they were referring to. I have never received anything in the mail - but the calls continue every day - multiple times and at all hours.

Company response to consumer: Closed with explanation