vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Capio Partners is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I visited Experian 's website because they said I could get a free copy of my credit report. I monitor my credit through XXXX XXXX. It has data from XXXX  and XXXX but not Experian. I also check my FICO score through my XXXX XXXX XXXX account. I thought I was getting a free credit score from Experian as they advertised, but now they have billed me for a monthly subscription of {$21.00} for XXXX and XXXX, 2019. I called them twice and got through today to XXXX in the XXXX who agreed to cancel my subscription but no refunds. I complained and now he is refunding the XXXX fee of {$21.00} but not the XXXX 2019 charge of {$21.00}. I don't feel this is right. Their website is set up to trick people into subscribing. I don't need their service. They should also refund the XXXX 2019 charge. I don't get anything for their charges and I don't need 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 2019-03-05 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have an American Express everyday card. 
I noticed I have had a high payment throughout the last few months. But there isn't a lot of clarity in the monthly statement. 
I called AMEX today to ask what my current interest rate is as I know it fluctuates the AMEX rep said I am paying a " penalty APR of 29.9 % ''. 
I asked what a penalty APR is and they said you are even a few days late making a payment ( I made a late payment last XXXX ) then it is an automatic late fee of XXXX AND 6 MONTHS of a penalty APR 29.9 %!! 

I have good credit and late fees happen but a penalty APR for 6 months is bad business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 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: OH

Complaint narrative:
Equifax is reporting 2 Bankruptcies on my credit report. They are continuously stating they are verifying the reports through XXXX. I have a letter from XXXX stating they deleted the Bankruptcies from my consumer reports and are no longer showing any Bankruptcies. They also say they are not reporting any Bankruptcies to Equifax. I also have a letter from the Bankruptcy Court stating they are not reporting any Bankruptcies to Equifax as well. They also have not marked any of my reports as disputed per FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
This is strictly fraud. I have not done business with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late in 2014, I took out a loan with XXXX. After making several payments I learned that this company was not licensed in my state to make loans or charge the usurious interest rates they were charging me. I contacted them to stop taking money out of my account, but they attempted 1 last time, and then I attempted to reach a settlement with them based on the original XXXX I borrowed, minus the XXXX I paid, minus the NSF fee incurred by them attempting to debit my checking account 1 last time after I gave them proper notice to stop. I have attached the e-mail chain from my last correspondence with XXXX cash. 

My e-mail went unanswered and I never thought about these crooks again until I was notified last week that a collection account was placed on at least 2 of my credit reports by a company named XXXX XXXX XXXX. When I contacted them they said they bought the debt from another debt collection company that bought it from XXXX. Because XXXX had no legal recourse to collect on the loan, they left me alone but then sold the debt to at least 2 other companies to attempt to illegally collect on the loan. 

I want XXXX XXXX  to lose all of my contact information, stop selling a debt that can't be collected on, and notify every collection agency they sold it to to leave me alone and remove any negative information from my credit report. The next step is a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: LEXISNEXIS
State: OH

Complaint narrative:
I have had some issue with my credit file reflecting inaccurate information. I am XXXX XXXX I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Please delete these from my file they are not accurate. My name is spelled XXXX XXXX XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX   XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have had some issue with my credit file reflecting inaccurate information. I am Self Employed I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   Please delete these from my file they are not accurate. My name is spelled XXXX XXXX. XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX CT XXXX, XXXX, FL XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, FL XXXX The following numbers are not accurate : ( 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 explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
On XX/XX/2018 I purchased the following furniture ( a dining room set, a bedroom set, and a coffee table ) at a furniture store in XXXX. I was told that I was qualified to purchase the furniture items on credit and that I didn't have to pay the full amount for 6 months. I was also told that the documents pertaining to that purchase would be sent to me either in the mail or via email. Few weeks later I did not receive any documents so I called the person that I purchase the furniture from. He told me not to worry about it, that I would get it soon and that I had 6 months to pay. As time passed by I got busy with life, as Massachusetts was a new XXXX for me and working a new job. In XX/XX/2018 I called the person from the furniture store where I bought the furniture and that's when he mentioned that it was a third party that lent me money to buy the furniture and that I would have to get in touch with them to find out the statements in regard to the purchase. He then told me the company is called XXXX and then gave me their phone number. This whole time XXXX was taking $ XXXX on my account every XXXX weeks and by then they had already taken a total amount of {$4600.00}. The original price for the furniture was {$3200.00}. They also then told me that there was a remainder of {$2500.00} that I would have to pay to finish paying on the account. I spoke with XXXX representatives at XXXX about the matter and they both told me that I have to pay at least {$1200.00} to close the account. Due to financial hardship I don't have that amount of money to pay XXXX considering that they've already taken an excess of {$1300.00} on top of the original price of the furniture. Since then XXXX has sent my account to collection and that has dropped my XXXX XXXX tremendously. I tried to resolve the issue with them and even offer to pay {$700.00} to pay off the account and have the matter rectify on my credit report but XXXX refuses to work with me. At this point I would like XXXX to stop their deceptive practices towards the consumers and place my account in good standing with the credit bureau as it should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not sure who is using my name I use to live in XXXX I now live back to 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 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: VA

Complaint narrative:
I have problem with my 2nd mortgage company. The house is still underwater. The payments have been in default almost 10 years. I got this 2nd loan originally from XXXX XXXX, but it was sold many times without my knowledge, Now SN Service Corporation owns it. I am current and have been trying to get my 2nd mortgage loan modified since XX/XX/XXXX, but SN is Failing to Process the Application in a Timely Manner. SN has never been processed my loan modification and instead wants me pay {$20000.00} upfront and double the monthly payment for 12 months then they will get me a loan modification. They violated loan modification law to demand me pay {$20000.00} upfront and over charge monthly payments. Now they scheduled a foreclosure sate on XX/XX/XXXX. I want them stop and cancel the foreclosure date immediately and get my loan modification approved and make sure I get best deal according to my case since the house is still underwater. I have sent all required docs to them more than 6 months ago. In short, the servicer simply doesn't review my loan modification in a timely manner. Thank you! 

XXXX XXXX Loan # XXXX SN service corporation XXXX ext XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from

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 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
On or around XX/XX/XXXX I received a call from XXXX at XXXX XXXX XXXX XXXX claiming to be trying to collect a debt from a credit card from XXXX. I was threatened with a law suit, liens on my home and bank account. I got angry and he hung up on me. I felt bad so the next day I called this company back and spoke with a gentleman named XXXX XXXX I explained to him that I did not have the money to settle this debt, in the amount of XXXX, so I was offered a settlement amount of XXXX which I thought was something I could do given some time. XXXX asked me if I could pay XXXX and that would lock in the settlement amount, and that I would have until XX/XX/XXXX to pay the remaining balance of XXXX. I reluctantley gave him my checking account information, stating to him that I was not comfortable doing so, he promised me that no other monies would be taken out of my account without my ok. I was told that he would keep in touch to see where I was financially. I spoke with XXXX again on XX/XX/XXXX at which time I was thinking that I would have the money in the bank, but was not 100 % sure ... so he said he would call me the day before it was due, which would've been XX/XX/XXXX. On XX/XX/XXXX XXXX had contacted me, at which time I told him that I did not have the money in my account, he informed that by not settling this case I would be sued, I would have a lien on my home, on my bank account ... and I told him that unfortunately I would have to take that chance I had not realized that they money had already been deducted from my account ... he acted as though he had no idea. On XX/XX/XXXX a deposit had been made into my account, which I was using for my mortgage payment. Low and behold that on XX/XX/XXXX I went to the ATM to make a small withdrawal, it was rejected stating there were insufficient funds, I then looked at my account on my phone and saw that on XX/XX/XXXX a payment of XXXX was withdrawn and sent to XXXX XXXX XXXX XXXX. I was livid, this left my account with XXXX in it, which in turn my house payment bounced. I called XXXX at XXXX XXXX XXXX XXXX and he told me that is what my agreement was, that I was told that the payment was due on the XXXX, and that I postdated the checking information for that day. I told him that I did no such thing, I told XXXX on the XXXX that I would not have the money for XX/XX/XXXX. Therefore they took the money out of my account without permission, they stole my money ... .I have tried to email them, but it comes back stating access denied ... ..I am at wits end. I have contacted the XXXX XXXX 's office in XXXX County. I have also filed a complaint with the XXXX ... ..I will pursue charges if forced too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Eburch Consulting INC
State: LA

Complaint narrative:
Today, I told myself let me contact the credit bureaus to see if XXXX XXXX started my disputes for my file. She has been giving me the run around since I paid her XX/XX/XXXX. Nothing posted on her portal, every time you contact her its like your bothering her with questions and asking about your file. Its been a constant then on top of that someone from the group referred before I purchased trade lines with there business. After speaking with the credit bureaus today again no disputes have been sent out. Ive reached out to XXXX calm and asked her whats going on she stated to me that she sent the disputes in. She told me she would not refund me my money. Im a business owner myself customer service is key! If your taking to many clients maybe you should turn some down so you can accurate for the ones that are paying you. Here are screen shots below regarding this! please beware if your trying to find a good credit repair, do you research before paying someone thats lazy and is going to beat around the bush.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-05 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: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma has been sending me inaccurate credit scores and report through my email and their website Credit Karma Monitoring Service.

Credit Karma company has a business partnership with XXXX and XXXX Credit Reporting Agencies only and not with XXXX. 

On XX/XX/XXXX I received a XXXX alert verification and Notification from Credit Karma that my XXXX XXXX XXXX XXXX XXXX account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX  on XX/XX/XXXX. 
Credit Karma implemented a recent XX/XX/XXXX Transunion credit score of XXXX. 
But Credit Karma hasn't displayed the same information and credit score with XXXX. 

Also, Credit Karma is not displaying XXXX XXXX XXXX XXXX XXXX XXXX of a merchandise credit of XX/XX/XXXX till Present.I have been making timely payments since XX/XX/XXXX till Present. 
I made contact directly with Castle Credit on XX/XX/XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XXXX XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, XXXX and XXXX. 

I been having many issues with XXXX XXXX XXXX their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX are supporting our XXXX XXXX and XXXX in the community of XXXX. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is Credit Karma violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Nelnet, Inc.
State: OH

Complaint narrative:
When I got my apartment last XX/XX/XXXX I had a XXXXredit score of XXXX when I applied for a credit card a couple weeks ago I was turned down due to late payments on a student loan. I have prided myself on making payments on time and paying off my used car. When I was turned down I was totally shocked and did not understand. So when I returned to work I pulled my credit report and saw that Nelnet had me 120 days delinquent and {$3200.00} behind. I had been paying the XXXX XXXX XXXX and XXXX but did not realize that I had a third loan company sitting out there as I had never received any correspondence from them. I had resided with my mom my whole life with no address change. She or I would of never threw away any correspondence from XXXX or any mail that was not junk. I never received any notification either through mail, email or telephone. I then contacted them and found out the I was in forbearance in XXXX and XXXX but was not notified when that ended. They had an old email address for me that my employer changed sometime ago. I questioned as to why the when an email address is changed it should of came back to them saying it was not deliverable. That'always happens when I send an email to the wrong email address. They said that had sent letters to my moms address, called and emailed me. I ask them why would I XXXX up perfect credit by just not paying one of my creditors. I got no where with them or their solution department. They continued to say we contacted you with no response. I kept saying why would someone with perfect credit XXXX it up like that? I filed a dispute but they seemed to be standing their ground. I ask that since I was not advised I ask them to remove it from my credit report and allow me to start making monthly payments. Since after several phone calls and hours of conversation I contacted my uncle who is a collection lawyer and recommended we file the dispute and contact the CFPB. He said this exact thing happened to his son but he new someone who worked with XXXX and he was able to get it cleared up I don't have the connections he has. He said that CFPB would take this serious and look into it. Getting my credit report cleaned up is what I am hoping for. Please advise me how to further handle this very frustrating and upsetting situation,

Company response to consumer: Closed with explanation