vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING LATES INACCURATELY ON ALL THREE CREDIT BUREAUS.THE ACCOUNT NO. IS XXXX.ALL 3 BUREAUS HAVE VASTLY DIFFERENT REPORTS YET ALL 3 BUREAUS VERIFY THEM AS ACCURATE.I have attached credit reports pulled within the last week for proof. 
The problem stems from the XXXX pay online site, the auto-pay, and the security systems of my banks who have systems in place to claw back large pymts. made on-line to XXXX.The vast majority, almost all the late payments can be attributed to this system.XXXX and Equifax have been the only co-operative bureau.Even though the XXXX dollar payment is large I earn enough to handle 6 payments or 6 cars.The problem is the banking system that recognizes legitimate payments as possible fraud and asks them back from XXXX and XXXX gives them back and destroys my payment history.I would like my payment histories removed or altered to reflect the fact of the on going banking security problem that I have nothing to do with or are notified about in a timely way to avoid the late payment history.The FCRA entitles me to fair and accurate reporting, yet looking at the attachments here you can see that that does not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I purchased and vehicle on XX/XX/16 for XXXX @ interest rate of XXXX - my monthly payments are XXXX Recently went on my account to determine my pay-off balance as well as the contractual terms.In doing so, I could not find my PRINCIPAL balance. I ask the loan personnel for a copy of my PRINCIPAL ONLY balance but was not given it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Opened new CitiBank checking account on XX/XX/XXXX and funded $ XXXX using my external acount at XXXX. About a month later, Citi closed my checking account due to pending verification and transferred the funds ( $ XXXX ) back to my external account on XX/XX/XXXX. However, the external account was closed by then ( XX/XX/XXXX ). The funds were returned to CitiBank as the account was closed.Citi is unable to trace the transaction and I am still waiting/have not received the funds yet.Citi keeps saying that they have sent the funds to the external account and that they dont have the funds. The citi case # is 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 2018-05-20 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: PREFERRED CREDIT INC
State: WI

Complaint narrative:
my account should be listed as closed on my XXXX and XXXX  credit file prefered credit inc refuses to send me a letter stating my account was closed and has a XXXX balance i need that letter to prove my account was closed i am very mad at this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have contacted Portfolio Recovery directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
It happened on XX/XX/2018. I have an account with Paypal. I use it to buy things online. {$400.00} was sent by mistake on one of my friendss cellphone number who happens to not have a PayPal account. I called them immediately and they told me they were going to investigate. Well I then received an email from them saying that they wont be able to give me a refund because the transaction was not unauthorized. They gave me an email and the name of the company that has received the money. XXXX XXXX XXXX. I contacted them. They said the account that they had with PayPal is closed. I dont know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
American Honda Finance account number is not fairly and accurately reporting to XXXX XXXX and until recently XXXX.The problem is my late payment history which reports vastly differently on all 3 credit bureaus.I have attached the recent bureau reports within the last week for proof.

The late payment history occurs not from my ability to pay ( I could afford 5 or 6 XXXX dollar monthly payments ) but from a technical problem with auto-pay, the Honda website and my banks ' security problems with large online payments.I will send a payment in and the bank will tell Honda to send it back and HONDA DOES.I never received notice of the numerous incidents in time to avoid the lates.It became confusing but now I attend to each payment as if my bank and Honda wouldn't do their jobs correctly.

I would like my credit reporting to be altered to acknowledge the above and would hope that my payments would always be credited on time.XXXX has only 1 late but the others have more than 10 yet they are all different months with the exception of 2 or 3.Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Account # XXXX -- Navient changed my interest rate from a High 6 to a 9.75 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MI

Complaint narrative:
I made a payment of {$440.00} towards a private student loan with discover student loans. This payment should have paid the last of the loan off, however while the money was withdrawn from my checking account the payment was never applied towards my loan balance. I have called multiple times and been asked for patience while they attempt to resolve the issue, I have messaged them through their online messaging system with similar results. I have uploaded a copy of my bank statement, as well as a letter from my bank confirming the payment, as they requested and still they have not resolved the issue nearly two months later. I have lost faith that they have any intention of fixing the problem at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have contacted XXXX XXXX directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.

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 2018-05-20 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford Motor Credit, partial acct. no.XXXX  is appearing on XXXX and XXXX credit bureaus as an unpaid charge off.XXXX  has previously deleted.

The problem stems from the fact that the car is a lemon.Ford and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT FORD WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does Ford , but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for Ford to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for.

BUT IT APPEARS THAT FORD THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I have contacted OneMain directly as well as the 3 credit bureau 's. I have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. 


I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I have contacted LendMark Financial directly as well as the 3 credit bureau 's. I  have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. 


I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX partial acct. no.XXXX is appearing on EQUIFAX and XXXX  credit bureaus as an unpaid charge off.XXXX has previously deleted.

The problem stems from the fact that the car is a lemon.XXXX  and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT XXXX WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does XXXX  , but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for XXXX  to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for.

BUT IT APPEARS THAT XXXX THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, partial acct. XXXX is appearing on XXXX  and EXPERIAN credit bureaus as an unpaid charge off.XXXX has previously deleted. 
The problem stems from the fact that the car is a lemon.XXXX and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT XXXX WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does XXXX XXXX but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for XXXX to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for. 
BUT IT APPEARS THAT XXXX THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.

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 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
This company does not have permission to place a collection on my credit file, nore do I have any accounts with a XXXX XXXX and never have. I received a very obscene phone call from a person by the name of XXXX. He told me I have a debt come XXXX XXXX and I needed to pay him {$500.00} now over the phone this call was onXX/XX/2018 and if I didnt then he would place it on my credit. I told him that I DONT or have I never had any accounts with that company. I advised him that he would need to send me proof and he then he disconnected the call. I woke up the next day with a notification stating this company has placed a debt on my credit file and the date was opened in XXXX. I have spoken with a attorney and it has been determined that this company has illegally placed a debt on my credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was on vacation through my current time share company, XXXX. I was recruited by XXXX for a sales seminar for another " higher '' timeshare that was for the parent company, XXXX, of what I already have, XXXX. First, we were scolded that we did not " check-in '' at the " help '' desk until 3 days into our trip. Now I know that those 3 days are 3 days that they have to keep us from looking at the paperwork. I was lead to believe that I was just getting a " deluxe '' program of what I have now. I NOW realize that I have a MORTGAGE with ANNUAL maintenance fees close to {$1000.00} and also MONTHLY fees of almost {$100.00}! My boyfriend was present and he was unaware that they just sold us a MORTGAGE!!! So it was not me no hearing them. We were there for about 4 hours. At the very last 20 minutes, we were put into a different room with another person who put all of these pages in front of me at a rapid pace to sign because she had to be somewhere with her daughter. I was NEVER told that I was BUYING a piece of PROPERTY! I was really misled. The next day I called the man who had taken us to the sales seminar, XXXX, to ask him about the paperwork and mortgage and he said he would talk to us in " 30 days ''. I do not understand what is the importance is of " 30 days '' and why he would not talk to us just 24 hours after spending 4 hours with us the day before! XXXX had asked me if we wanted to see this place and we thought it was just another time share and said no. He SHOULD have said " YOU JUST BOUGHT THIS PROPERTY/ MORTGAGE AND SHOULD LOOK AT WHAT YOU BOUGHT! '' But, he did not. If he did, I would have known I was scammed. I tried to call XXXXXXXX XXXX XX/XX/XXXX to discuss cancelling my contract but the office was closed when I called at XXXX XXXX. Looking back, it was a total card trick. I just want my XXXX back. XXXX salesmen are unethical. I just want out of the contract.

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 2018-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I paid off two collection accounts with Portfolio Recovery ( accounts ending in -XXXX   and -XXXX ), the accounts are showing up on my credit report again. The accounts are stating that they are open again. Per law, Portfolio Recovery has 5 days to notify me of this and no notification has been received. The accounts have been PAID AND CLOSED. The receipts of these transactions are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX  Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I currently have a payment agreement with district courts in Michigan of {$40.00} a month with Credit Acceptance. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.

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