vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My car was repossessed XX/XX/XXXX and was redeemed the following day XX/XX/XXXX. The " Redeemed Repossession '' comment is still reporting as of XX/XX/XXXX and negatively affecting my credit score. This is currently violating the FCRA 15 U.S. Code 1681c due to reporting after the 7 year / 7 year 180 day mark.

Per 15 U.S. Code 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ...

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.5 Also : ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

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 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Greetings, - I had an account with Barclays Credit Card since XX/XX/XXXX and my interest rate has been 22.24 % APR. 
- The account was in very good standing till 3 days ago. 
- I had never received my Barclays Credit Card Statement in mail as I usually do.

- Bank Claims that they mailed it to me ( Their word against my word ).

- I got a call from the Barclays Credit Card requesting a call and that the account was past due. 
- At point I immediately called l to Barclays Credit Card and made the payment XXXX. 
- I looked at the statement and found that I had a Past Due amount of {$65.00} statement ending XX/XX/XXXX - Furthermore, I talked to several people regarding this Interest issue in the chain and they must have updated the entry in the Barclays credit card account I have, and this is what I found. 
- 3 people out of the 4 I talked with XXXX XXXX, Missed the name of the next person and Manager XXXX ( I think that is her name ) all told me that my Barclays Credit Card Interest rate is 22.24 % DAILY. 
- I conformed with each of them and they each said 22.24 % daily. WoW there is a Training gap there. 
- Finally, I got XXXX who is also a manager, said the Barclays Credit Card Interest rate is 22.24 % per year not per day for may account. 
- XXXX was nice and understanding and tried to explain the math to me but still does not make logical sense. 
- I asked XXXX for a written break down and that could not be provided. 
- I understand the late fee, but what dont agree and understand is the Rip Off Interest of {$17.00} for a past due amount of {$65.00} - So, I did some simple math - {$65.00} Past due 30 days 22.24 % APR interest should be 22.24 % / 365 Days = 0.06093151 per day x 30 days = {$1.00} in interest till the next billing cycle - What I fail to understand that Barclays Credit Card charged me Interest on the amount that was waiting to be part of the next months statement still in process for this month. 
- I dont mind paying reasonable interest ( {$1.00} ~ {$3.00} ), but what they charged me {$17.00} - I feel there is some illegal activity going on and needs to be addressed. 
- Barclays Credit Card company can not charge interests on balances that are not come due till the billing cycle. 
- I am planning on paying off the card to avoid asinine, un-regulated and high Dollars in interst - I am requesting a full investigation on this issue and would like a call AFTER  XXXX Pacific Time at XXXX from CFPB and the Barclays Credit Card Thanking you in advance for helping me with this issue. 
Mr. 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 monetary relief
Consumer complaint received 2019-08-27 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:
At the maturity date of my loan XXXX stated that I owed another {$3900.00} in fees. 
I asked for proof and my payment history and they sent me 32 pages of daily interest and fees. 
They refused to send my payment and account history. 
The are in violation of federal credit reporting laws as they charge off my loan and they are still reporting as being delinquent every month and they are showing a balance. 
How can my loan be late if they charged it off? 
XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment {$200.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Term 42 months ( 3 years ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Not current No data Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes this account information Charged off account Fixed rate Times 30/60/90 days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
This is the 2nd time that PHH has provided incorrect information to the credit bureaus on my mortgage. 
I am on the phone with them again, today XX/XX/19 They reported that my mortgage balance increased which is not correct. They have confirmed it is not correct and now want me to do the leg work to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I made payment to american express card but due to some error it got declined and my bank charged me {$30.00} and AMEX charged me XXXX XXXX then I chat with AMEX and tell them about it and they returned my fee. I also call my bank and tell them about it and due to my good history they gave my money back and asked me to call AMEX to inform that do not try to pull payment again ( generally institution pull amount for three time incase it get declined ). So, I chat with amex and they assured me that their institution won't try to pull the payment but still they did next day back to back two times. Then I called amex again and discuss about it for half an hour and they were trying to manipulate. Then I told them that I have written proof that your agent gave me and I will go legally against this. Then representative agreed to give {$60.00} fees back to my account. But when statement was generated I didn't get that amount and when I called again they changed their word and they said we will call you after we look into it, still they did not call me back. 

I called them on XX/XX/2019 around between XXXX to XXXX, you can check call recording and they agree to pay that amount but now they change their word. 

I have case id : XXXX which was given to me on XX/XX/XXXX by representative who assured me for that {$60.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 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: PA

Complaint narrative:
This is the 2nd time that XXXX has provided incorrect information to the credit bureaus on my mortgage. 
I am on the phone with them again, today XX/XX/19 They reported that my mortgage balance increased which is not correct. They have confirmed it is not correct and now want me to do the leg work to fix it.

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 2019-08-27 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: NJ

Complaint narrative:
There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX 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 2019-08-27 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: NJ

Complaint narrative:
There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: MN

Complaint narrative:
I logged on to the website for the Annual Free Credit report. I was able to obtain two of the three credit reports right away. The report from Equifax I couldn't obtain. The four questions that were asked, I had to respond with " None of the Above. '' I tried answering the form twice today, that is a total of eight times I had to respond with " None of the Above. '' I know that the answers that they are asking have nothing to do with me or my account. 
Here is a simple statement about my credit history over the last ten years. I have neither applied for or obtained credit in a form of a loan or credit card. I did have my identity stolen and all marks about the identity theft have been removed from my credit files over a year ago. 
I am asked on the questionaire about store credit cards, loans, car loans, personal loans, bank names and monthly amounts for those accounts that apparently occurred within the last five years. Again, I have not applied for any credit in the last ten years. 
I would like Equifax to ask relevant questions regarding me. I believe Equifax needs to maintain accurate records regarding myself,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I received a call from XXXX XXXX ID # XXXX on ThursdayXX/XX/2019 while I was at work. He stated he was from AmeriSave Mortgage Corp and could help me refinance my home for a low rate. I had asked what is a 30 year fixed at this time. XXXX asked a few questions and then stated he could lock me in at 4 %. I let him know I was interested and would call him when I got home from work. I did go home and we spoke again. XXXX seemed to promise me a lot and how no one could beat their rates as they are a direct lender. XXXX stated I needed to go forward in order to lock that rate in. XXXX mentioned same thing while I was at work. He repeated that many times making me feel I would miss an opportunity if I didn't proceed. I mentioned I needed to confirm with my fianc and he stated I could fill out and schedule an appraisal. If we decided not to move forward we didn't have to. I moved forward with the info he had told me feeling like I could back out anytime. I was told it was a XXXX deposit for the appraisal. I was under duress as he kept stating no one could get rates that low and if I didn't act I could lose that rate. What brought up the red flag was how persistent he was being. He wanted to schedule the appraisal the next day. I told him I had to work. He asked could my fianc. I said she had to work. He then asked can you leave at lunchtime or can anyone else meet them. I started getting nervous and Said I would let him know but we are not doing the appraisal tomorrow. I conferred with my fianc and she did not want to move forward. I spoke to XXXX the very next day. Friday XX/XX/2019. I told him we were not going to move forward. Thats when he said well your going to forfeit your XXXX. I said why we didn't receive an appraisal? He said well its non refundable. I have disputed my charge with XXXX   which is my credit card that I used. Thats when they informed me of this site and I could see all the similar write ins on AmeriSave. I hope something can be done about their deceptive practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Disputed this company twice ( XX/XX/XXXX and XX/XX/XXXX ) online. Failed to receive validation of debt only received collection bills all for {$200.00} ( starting after 1st dispute ). 3rd dispute was a Debt Validation letter dated XX/XX/XXXX, mailed out late XX/XX/XXXX. The letter includes my needs and the federal law in tact on debt validation before reporting an account to the credit bureau. This account has been reported to my name since XXXX. All disputes went through credit bureaus and as I dispute accounts, collection agencies would send just bills. I received a bill in the mail on XX/XX/XXXX from this specific agency and I called them and on a recorded line as they told me it was, I asked to speak with manager or debt collection dept to see if my letter was received. The agent tried to verify my identity and I stated to him I didnt feel comfortable because of previous attempts of calling in to handle this matter, I felt nothing was resolved and my information was just being taken to continuous attach this debt to me. He claimed he got the manager and when I asked about the letter I was told we dont have that ... I cant access that information ... .now I see there was a letter received but I cant access the letter. I continuously read off my letter I mailed in, continuously asked to speak to the dispute department, which at one point he told me they did not have that dept. I continued to asked for a manager and then I was told they were not available and in the beginning a manager did come on the phone and I had a conversation with two people. I ask to speak with the division  manager, as his name is on the bottom of the letter with an attached bill, the agent said the division manager will not talk to me. It got out of hand for me because I felt like I was being lied to with incorrect dates, I was told my letter was received and then it wasnt received. I was told there was no dispute dept and then if I wanted them to review my letter I needed to mail it in to them and someone who does disputes will review it. They have no connection with the bureaus but Ive received a bill everytime I dispute with the bureau. This is effecting my credit horribly and no one seems to want to provide me with the necessary information of the original signed contract from this consumer. As I have told them it is not my account and I have never had an account with that company and if there is fraud taking place, I need to be provided with something besides a bill to take to my local police dept for a fraud report if there is someone using my name. This has greatly affected me as Im a single mom trying to buy a house and start a business and I cant receive a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: VA

Complaint narrative:
I brought a XXXX XXXX XXXX on XX/XX/XXXX in which time I was issued temp plates through Carvana, LLC. On XX/XX/XXXX I call Carvana to locate my Plates, after speaking to the service dept. I was told someone from the local office will be calling me to tell me the plates was going to be XXXX XXXX  that day. Once receiving that call from a local employee by the name of XXXX. She explained that there was a mistake with the mileage on the title and until the mileage is corrected I would have to wait for it to be changed. So I received another set of temp plates under 30 days as an EXP date. As of XX/XX/XXXX I have yet to receive my Plates and registration for my truck and the temp plates are about to expire AGAIN on the XXXX of XXXX. I spoke to two Reps. Today that stated that they are working with their registration Dept. to correct the problem and find out whats the status. I was told that they are on hold with that Dept. and will call me back with an update which I haven't heard anything back as of yet. Mine you, I already made my 1st payment and my second is due soon with no Hard Plates or registration as of yet. I dont understand why is the process taking so long to be completed. Its been 55 days since I received the truck and nothing is being done about getting my plates to me! I need someone from the corporate registration dept.to call me with an update as to where are my plates and registration?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: FL

Complaint narrative:
On XX/XX/2018 I entered XXXX XXXX with my offer in hand from my bankers for a pre-approval of an auto loan at 5 % interest rate. I explained in great detail that I did not want or need a loan or appreciated the numerous amount of searches that auto houses complete, my credit was XXXX and I was absolutely happy with the interest rates and that I had done my homework and knew that the rates could not be beaten. 

The sales representative presented me with a vehicle that I was interested in but it was at their XXXX location. The sales representative made arrangements for me to test drive the vehicle by taking a copy of my license and providing me with a document to sign which I was under the impression was a Test Drive consent form. 

I was driven to their XXXX location to test drive the vehicle. After the test drive of the vehicle from XXXX XXXX XXXX location to their XXXX XXXX location an approximate 15 miles, I was informed by the sales representative that purchasing the vehicle via the auto loan from my bank was not an option and that I would have to obtain financing from one of their auto financers. At this stage, I declined and left. 

I subsequently have purchased my vehicle via XXXX XXXX using the interest rate I was approved for by my bank but I have since been made aware that I have a hard inquiry that is reporting by XXXX XXXX on my files held by TransUnion credit reporting agency. It has also come to light that there are other auto  companies who have placed inquiries on and around XX/XX/2018, each of these company has been contacted and each has stated that their inquiry had been authorized by XXXX XXXX! 

I did not authorize XXXX XXXX or any other auto financing company to access my personal credit file for the purpose of obtaining a loan to purchase one of  their vehicles. I am quite aware of my financial options, before, during and after the visit to XXXX and it makes no sense to suggest that I would require financing options from XXXX XXXX 's lenders who are not able to meet the interest rates offered by my personal bankers of 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 explanation
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
Waiting on the removal of accounts that are not my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Integrated Recovery Services
State: CA

Complaint narrative:
XX/XX/2019 - XXXX called leaving a message to resolve a debt or " proceedings '' will be initiated. Stated that something was mailed to my address. No mailing is at my address. Stated that company is Integrated Recovery XXXX. Phone number given in the voicemail is XXXX. 

This company has called from other phone numbers prior to this call as well. 

This webpage also has statements that the 877 number above actually does not belong to Integrated Recovery XXXX : https : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
I have been a victim of identity theft.

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