vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 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 trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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 trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Note the fields requiring an answer do not accurately describe my complaint. I have a B of A debit card which I use at ATM machines to get cash when I am on vacation. I always avoid fees so I only use my Bof A debit cards at Bof A ATM machines. I am going to Vermont. There are no BofAs in Vermont. BofA refuses to waive ATM fees for ATM use in Vermont, even though they have no locations in Vermont. This is an unfair and deceptive business practice, as they market a product, the debit card, then make it impossible to use without a fee. They do not accept email complaints from customers. I made a telephone complaint and was told it would be reviewed by a supervisor but not necessarily responded to. Their suggestion was to simply carry large amounts of cash so I would not need the ATM machine.

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 2018-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below, and even though I had talked to representatives last month when the errors occurred. The rep of Toyota told me last month that they will remove the late mark on my credit due to internal errors and only to find out that this month they applied the payment wrong again. 

LATE MARK ON : XX/XX/XXXX & XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments correctly to you when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I was pulling into a for variance after hurricane Irma I was  told at the end it can be put back to the end of my Mortgage. Now they want me to do a loan modification I am not working I am a single parent I was diagnosed with XXXX XXXX very aggressive Im trying to get XXXX .. my Loan its being served by Seterus . My lender its 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 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
In XX/XX/2018, I, XXXX XXXX XXXX, and my husband, XXXX XXXX, filed for bunkruptcy of some credit card debt incurred through XXXX XXXX 's business. 
That bankruptcy never included the XXXX & XXXX mortgages held by myself and a third party, XXXX XXXX These mortgages are for the primary residence of XXXX  XXXX, XXXX  XXXX, & XXXX XXXX. 
In XX/XX/2018, XXXX  XXXX XXXX ( holder of the 1st mortgage ) notified us that they sold that mortgage to Fay Servicing. We were paid up and current with XXXX, and going forward from XX/XX/2018 our payment were to be made to Fay Servicing. We did all that. 
Now Fy Servicing/XXXX is insisting on a duplicate payment back to them that we were never notified about and XXXX has attached themselves to our bankruptcy after-the-fact. 
On XX/XX/2018 as we filed the bankrupcy, a payment to XXXX was pending. That payment was made XX/XX/XXXX properly and on time. XXXX admits this. 

This pending payment was automatically swept up into the bankrupcy ( even though XXXX was never named in the bankrupcy ). 

Fay Servicing should remove the requested payment from the bankrupcy, and amend our mortgage payment records and all credit reporting agency records to reflect that we are current with the morgage and there was never a late or missing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX XXXX. I have previously disputed this account. I have never done business with Portfolio Recover y Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. XXXX XXXX XXXX XXXX has reported a  collection on 2 credit reporting agencies on XX/XX/XXXX. I sent registered letters to XXXX XXXX XXXX XXXX   requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. 

Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/XXXX outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. 

I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: MI

Complaint narrative:
I have contacted AES/XXXX several times over the past 5 years to have negative debt that they have no proven is owned by them or owed to them. I have disputed this information numerous times with Experian and XXXX XXXX and still 4 private student loans that have not been validated with proper chain of custody or assignment. These accounts are ruining my credit and preventing me from being able to purchase a home. I have a Ch XXXX bankruptcy that was uncontested and therefore XXXX XX/XX/2012. There are several lawsuits against this student loan company and there subsidiaries ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) for wrongful lawsuits that resulted in default judgments that were filed after the statute of limitations had passed and without proving ownership of said loans. I would like for this incorrect information to be removed from all 3 credit bureau reports and XXXX XXXX report. The following is the information showing for the loans as of date. The duplicate accounts were removed from my XXXX and XXXX credit bureau reports that were listed under XXXX XXXX, however, they still remain on XXXX   and XXXX XXXX reports as shown below. 

AES/XXXX {$62000.00} AES {$27000.00} AES/XXXX {$13000.00} AES {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I opened a Capital One Credit Card when I received the 0 % interest offer in the mail for transfer balances and purchases. The 0 % was good into the later part of XXXX. ( I want to say XX/XX/XXXX ). After opening the card online, I called and verified the credit card offer of 0 %. The customer service representative stated I was correct with the details of my offer, the 0 % on transfer balances, and I had to wait 10 days to transfer the balance after my card was opened. I waited the 10 days and then transferred a balance of XXXX. When I received my first bill due XX/XX/XXXX I called Capital One asking why there was interest reflected on my statement as this was supposed to be 0 %. The customer service representative took the time to confirm my account was 0 % and that the interest reflected on the statement was for the transfer balance FEE. I said ok and asked him what my next statement min payment was going to be if I paid the min balance due which was XXXX. He spent several mins calculating the min payment and even put me on hold to calculate the payment. He said it would be XXXX. Today when I got my statement there was an interest charge of XXXX. I called Capital One and they then stated that my card was not interest only on balance transfers only purchases. I was misled by TWO capital one representatives when I called to verify the details on my offer. Today I requested that they close the account and take off my interest charges for the month since I was misled by not one but TWO representatives. Capital one even confirmed they saw the two phone calls logged on my account but refused to waive my interest for the month. I have no problem paying the transfer fee of the 3 % that I was told I would need to pay. However, I find it misleading and unacceptable when I as the consumer educated myself on the product they were offering me,,, twice! I am looking for the CFPB 's help to ask capital one to remove all interest charges on the account since it was opened. I will pay the 3 % offset of the fee for balance transfer. However, because of the amount of interest they have charged me, I now owe more than I originally transferred on the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
This company, Suburban Credit Corporation calls me everyday and leaves me a voicemail stating they are trying to collect a debt from me. Sometimes on the voicemail they use my correct name other times they leave a message for someone else that I have never met before but it is the same message every time. XXXX XXXX calls every day and request that I call her back at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. 

XXXX XXXX XXXX, XXXX has reported a collection on 2 credit reporting agencies on XX/XX/XXXX. I sent registered letters to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. 

Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/XXXX outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX, XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency,  and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX, XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. 

I have not now, nor ever had any contractual obligation or arrangement with 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 2018-09-06 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: CA

Complaint narrative:
In the past 8 months i have disputed my XXXX XXXX XXXX account and XXXX  XXXX XXXX account with EXPERIAN five times and always comes back verified. I requested method of verification and got no respond.

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 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have an unverified account from RESURGENT CAPITAL SERVICES a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with RESURGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. RESURGENT CAPITAL SERVICES has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to RESURGENT CAPITAL SERVICES requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that RESURGENT CAPITAL SERVICES, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6.  Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If RESURGENT CAPITAL SERVICES is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with RESURGENT CAPITAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was constantly sending in documents to qualify for a workout solution. 
I live with my family and we are all working in resturants I tried to better myself and help my family by investing the money from my job into the business so I could always have a job. I only had a 20 % investment into the business. 

One of the representatives said I did not need to show the taxes from the business another said I did, after sending over 50 pages of the business tax returns they told me I did not earn any more and could not afford my mortgage. 

They made me go to a Wells Fargo Bank to sign my documents. Every thing they could do to discourage me from working to save my home they did. 

I say that I have been denied because of a Computer Glitch and hostile workers in Wells Fargo.

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 2018-09-06 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: National Enterprise Systems, Inc.
State: NC

Complaint narrative:
I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX  XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak English neither XXXX which the XXXX  XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. 
But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. 
Also i want to report XXXX  XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. 
My Social Security Number only got issued this year on XX/XX/XXXX. 
I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. 
The Representative at XXXX  XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. 
I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. 
I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. 
So i Hope this finds a good hearted person to help me dispute this from my credit correctly. 

Thank you so Much. 
Kind regards XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
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 response to consumer: Closed with explanation