vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 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: TN

Complaint narrative:
I have autopay set up on my XXXX XXXX Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my XXXX XXXX autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails XXXX ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call XXXX financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing  fraud I immediately login into XXXX to find that the XXXX account was showing 30 days late on two consecutive months. Either way, I call XXXX XXXX   to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the XXXX XXXX statement showing where the late charge had been credited. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit report please remove the following addresses they are not mindsXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

My real address is XXXX XXXX XXXX, XXXX  OH XXXX.

My current employer is XXXX XXXX.

My Name is XXXX XXXX XXXX please remove any other variations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit report please remove the following addresses they are not mindsXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

My real address is XXXX XXXX XXXX, XXXX  OH XXXX.

My current employer is XXXX XXXX.

My Name is XXXX XXXX XXXX please remove any other variations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have reached out to the company on several occasions advising them I was a victim of a crime and provided the company with the Attorney General Office- Bureau of Victim COmpensation for ref : Bureau of Victim COmpensation XXXX , XXXX XXXX XXXXXXXX , FL XXXX Victim : XXXX XXXX XXXX ( self ) BVC Analyst : XXXX XXXX Claim number : XXXX XXXX Crime Date : XX/XX/XXXX this company has yet to remove this report from my credit file. my most recent attempt in XX/XX/XXXX for them to remove the inaccuracy has been ignored

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Neuheisel Law Firm, P.C.
State: CA

Complaint narrative:
I received a letter from The Law Offices of XXXX XXXX XXXX XXXX originally dated XX/XX/XXXX stateing the firm is the Current Creditor and a Judgment has been entered against me for {$10.00}, XXXX I have already responded to this Old Credit Card Debt from the XXXX, a debt from which I do not owe. 
The Neuheisel Law Firm filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX I worked with the XXXX  XXXX XXXX of the XXXX Sherifs Dept. to have the levyed funds returned and the Case of Levy dismissed. 
I never owed this debt, and will now seek Legal representation to defend myself against this debt collector and request the court for 30+ years of damages. 


HISTORY : This is an old debt of 30 years ago originally known as XXXX XXXX XXXX. The debt was not mine, however I have been fighting this for all of these years. 
XXXX XXXX XXXX XXXXXXXX collected the debt. from XXXX XXXX of XXXX was aquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered in to Chapter XXXX on XX/XX/XXXX. 
The Neuheisel Law Firm filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX The XXXX Sherifs Dept. released the levy and returned the funds on or about XX/XX/XXXX There are currently hundreds of complaints filed to the CFPB in regards to ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The Law Offices of XXXX XXXX XXXX XXXX The Neuheisel Law Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
I was sent an email claiming I needed to " review and acknowledge disclosure of this receipt within the next 30 days '' for my federal Perkins loan. This email was from XXXX XXXX on the XXXX of XXXX, 2018. I had never gotten loans through this company before, so I was confused but made an account anyways. 

Their account creation was incredibly obnoxious ( three security questions were required for some reason ) and to log into my account I always needed to answer one of them, something I'd never had to do before on any website, loan or not. To add to the frustration the website logs you out after 10 minutes or so, regardless of whether or not you're active ( I was entering information at the time ) It's UI is so horrendously confusing to the point that it seems deliberate ; you have to " link an account '' to see any loans. " I don't have an account to link? That's why I created one? '' Are questions that immediately came to mind. I tried to use the code that came with the email to link whatever account existed, and I get the message " this code is currently in use. '' I try again, and then call their support ( this is all on the XXXX of XX/XX/ 2018 ) ; they tell me, unhelpfully, to try again later. I waited an hour and tried again, to no avail. Their support line was then closed, so I was stuck with no way to progress. 

XXXX XXXX gives you no other method to link an account. You need your school 's code, which they don't provide a search method for, and your account number, which they also give you no method of obtaining if you don't know what the account is. When first accessing the account, the code is the only method through which you can access the account. There is no quick way to resend the code, as with literally every other website that I have ever used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank
State: GA

Complaint narrative:
Reordering dates of transactions to cause smaller debits to be insufficient. 
I have been a customer with XXXX XXXX XXXX XXXX for 9 years and am aware of the banks order of processing payments. I did not join in the class action lawsuit filed against Synovus for the processing of transactions from larger to smaller. On XX/XX/2018 I had an available balance of {$200.00}. The definition that Synovus gives of an available balance is the amount of money available to me at that time including all cleared transactions, deposit hold items, ATM transactions and check card transactions. On XX/XX/2018 I placed 2 debit transactions for {$30.00} and {$22.00} leaving an available balance of {$150.00}. On XXXX, I placed a debit transaction of {$30.00} leaving an available balance of {$120.00}. On XX/XX/2018, I had a preauthorized payment of out for {$330.00}. I understand this payment would overdraw my acount and I would be charged {$36.00} for that payment but the 3 debits on earlier dates were processed after the preautherized payment causing me to have 4 charges at {$36.00} each. Why would I have made 3 transactions less than the {$36.00} fee if I didnt have the available funds at the time they were placed. I could have easily went to a local branch atm and withdrew the available {$200.00} and paid cash for the 3 smaller transactions and only had the preauthorized to be insufficient in which that is how it should have been processed. I filed a complaint with the XXXX on XX/XX/2018. The company did not respond. The XXXX sent a second notice to Synovus on XX/XX/2018. As of today XX/XX/2018 the company still has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I called XXXXXXXX XXXX today XX/XX/18 to pay off my remaining balance of {$3500.00}. I was told that my payment couldn't be processed because they do not except Credit Cards nor Debit Cards. I was never told this prior to taking out a loan. The company says that they are non-profit but obviously they are profiting off of students interest rates. 

The person I spoke to gave me a sob story about how they have been burned in the past with stolen Credit Cards and that is why their policy is the way it is. Then later in the conversation she said well we never excepted Credit Cards nor Debit Cards ... misleading and lying to students doesn't really seem professional. 

I want to pay my student loan off, I have great credit, and a 0 % interest rate for 15 months. So what is the real reasoning for their idiotic policy? Tender is tender, why hasn't XXXX been introduced to the 21st century?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
pls remove acccount from credit breusa

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
XXXX XXXX has sent an invoice from XXXX XXXX XXXX which has several charges that are duplicates or over charges for the same procedures. They seem to be padding their bill, on top of the fact that it was never sent to my address. It also clearly lacks any signature by me. Furthermore, it clearly does not disclose that I am in any way liable for the billing or was ever made aware that I would be. After further investigation on my part, I have found that ; since I never asked for credit from XXXX XXXX XXXX and never contracted to pay them, they have no right to act as though I did! This means they have no right to place it in Collections or place it on my credit reports. In Texas they must have written, contractual, signed permission to inquire of my credit report and to post to it. Further, they have yet to prove they ever sent me a notice, as I have stated numerous times before. In Eastern 's reply to my last complaint, they admitted as much when they claimed they had sent notice twice and made no reference to XXXX 's having done so and on which dates. Never the less, none were ever sent to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX  Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this account.

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 2018-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AR

Complaint narrative:
We were trying to refinance our home with Loan Depot and through the application process, the loan officer looked at our home online, told us how nice it was and also was able to view price and estimated value of the home, as well as what homes sold for in the immediate surrounding area. We were told there shouldnt be any problem at all with refinancing, as well as cashing out {$30000.00} to pay off other debt and that we should also get approximately {$2000.00} at closing. The value of our home was at {$210000.00}, but when the appraisal came back almost 2 weeks later ( after the appraiser had to come back and take a picture of the attic ) it was only {$170000.00}. Our home is in a very prominent area of town, has brand new carpet placed in XX/XX/2018, a new a/c unit, an updated kitchen and dining room, corner lot, and in great shape overall. A home just 2 houses from ours sold for {$210000.00} and the one directly across the street from that one sold for {$240000.00}, both in the same time frame as the refinance attempt. We were shocked and very concerned at such a low appraisal and feel that we were cheated and not given a fair and true appraisal. We called Loan Depot and requested a refund of our appraisal fee in the amount of what we paid, {$420.00}. Our request was immediately declined. We would also like to have our application fee refunded. We have been in Law Enforcement for over 20 years and work very hard for our money, and in obviously unsafe conditions daily, and dont appreciate being taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX collection appeared on my credit report. I contacted them to ask what this was all about because I have not taken a loan out for a while and I have never taken a loan out with XXXX XXXX, XXXX other than my car loan from many years ago. They mailed me the attached document which tells me nothing about this debt. No validation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
My credit report was involuntarily frozen by XXXX due to its security breach. I applied for a loan today with Ally Bank through XXXX XXXX, etc. in XXXX, AL ; however, Ally Bank wants to charge me 15 % interest with a XXXX credit score. Two years ago I was granted a 12 % interest auto loan with a credit score of around XXXX with XXXX XXXX XXXX. I was told by the finance manager of XXXX  that the reason Ally Bank charged this high interest rate is that my credit report had to be unlocked and that some finance companies penalizes consumers because of this. This is totally unfair to consumers. I did not place this freeze. XXXX  had to place this freeze due to a security breach. What is going on? Most auto interest rates in today 's market starts at or about 3.0 with an average credit score of 640-699.

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 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX Portfolio Recovery proceeded to make via contact skip trace to a phone number of relative. Instead of trying to locate me the informed the individual about my debt, the amount owed and a letter they sent out which I never received. My understanding is that my debt information can not be shared with anyone who is not associated with the account and/or granted permission by me. I have not given any one permission to receive information about this account. After they disclosed confidential information regarding my account they then told the relative that it was against the law to contact the original debtor which is not true. They continued to fall harass and threatened the relative until the relative ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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 dates below on both of my capital one cards, and it's reporting with multiple inaccuracies. 

XX/XX/XXXX-Current XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, 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 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Two weeks ago I received my annual credit report from XXXX online with no problems. On XX/XX/2018 at XXXX I applied for my XXXX  and Equifax annual credit reports online. I received from XXXX  but Equifax denied and demanded unusual documentation to be submitted by mail. Screenshots attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc.
State: DE

Complaint narrative:
This account should be deleted. Company never sent item and charged me for the amount of a product never received.

Company response to consumer: Closed with non-monetary relief